Sending money with Monzo

You can send money to another Monzo user or by bank transfer.

To another Monzo user

Open Payments, select their name, enter the amount and tap Send.

You can undo a payment immediately after sending it. The undo timer is 15 seconds by default and can be extended to 60 seconds in Settings.

By bank transfer (using IBAN)

Go to Payments → Pay someone, add bank details, enter the IBAN and full name, then confirm.

Bank transfers usually arrive the same or next banking day.

If a transfer was rejected, the money never left your account. Check the details and try again.

If it shows as completed but hasn’t arrived, you can contact us in the app and we’ll check it.

If you sent money by mistake, contact us as soon as possible. We can request the receiving bank to return the funds, but this isn’t guaranteed.