What to do if your phone is lost or stolen

If your phone's lost or stolen, act quickly to protect your phone, money and Monzo account.

You can secure your account even if you can't access the Monzo app.

What happens next depends on what you've lost:

Lost phone, but still have your cards: You'll be logged out of Monzo on your devices. You can still use your physical cards in shops and at ATMs, but online card payments, virtual cards and Apple Pay or Google Pay will be blocked.
Lost phone and cards: You'll be logged out of Monzo and your cards will be blocked to protect your money.

If you're unsure whether you still have your cards, choose the option to protect both your phone and cards.

Your bank transfers, scheduled payments and Direct Debits will continue as normal.

You can remotely lock your phone using:

You can also mark your phone as lost or erase your data if you need to.

Once you've secured your Monzo account:

Contact your mobile provider to block your SIM and arrange a replacement.
Change important passwords, particularly for your email, banking and other accounts containing personal information.
Check your recent Monzo payments for anything you don't recognise. If you spot something suspicious, contact us straight away.

Once you have a replacement phone, download the Monzo app and follow the steps to sign back in.

You'll need to confirm your identity before you can regain access.

If you're having trouble signing in, contact us and we'll help.

Report the theft to the police and ask for a crime reference number. You may need this if you make an insurance claim.

If you can't access Monzo Web or you're worried someone has accessed your account, contact us as soon as possible.

We can help you secure your account and get access back.