What is the Central Credit Register?
The Central Credit Register (CCR) is a database that collects and securely stores information about loans (including overdrafts) and is managed by the Central Bank of Ireland (CBI) under the Irish Credit Reporting Act 2013 (CRA). You can visit the CCR website, or the CBI's information page.
What information does Monzo collect and share with the CCR?
Monzo is required to collect and share certain information with the CCR in relation to your overdraft, including your:
Name
Address
Date of birth
Personal Public Service Number (PPSN)
This information is used to create and update your credit report.
How is this information used?
Information provided to the CCR may be used by lenders to:
Assess your creditworthiness for credit applications
Monitor your existing credit agreements
Fulfil regulatory and legal obligations
If you don't repay your overdraft when you're asked to, this will be reported to the CCR and will appear on your credit report. This may affect your future ability to borrow.
Your Rights
Under the CRA, you have the right to:
What are your responsibilities?
When applying for an overdraft, you are required to:
Provide accurate, complete, and up-to-date information in your application.
Disclose any aggregate foreign debt exceeding €5,000, if applicable.
Notify Monzo of any changes to your personal or financial circumstances that may affect your overdraft agreement.
How to Exercise Your Rights
To exercise your rights under the CRA, you can:
Request your credit report or make amendments via the CCR website
You can also contact us through the Monzo app.
Email us at help@monzo.com.
Phone us on our toll-free local number 1800849291 from anywhere in Ireland. To call us from outside Ireland, the number is +35312337650.
Alternatively send a letter to: Monzo, Unit 1, Floor 4, One Central Plaza, Dame Street, Dublin 2, Ireland.
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