These terms
These legal terms are between you and Monzo Bank Europe DAC (Monzo/we/us). Irish law applies and the Irish courts will settle disputes. You should read this along with our current account terms and conditions and Data Privacy Notice.
This service
Open Banking allows us to access information from your accounts with other banks. We use this to decide if we can lend you money.
How it works
By consenting, you're allowing us to access information from your nominated bank account. We look at data for the past 13 calendar months. This includes things like your balance and transaction data. We'll use this information to help us:
decide whether you're eligible for a Monzo lending product, like a loan or overdraft
improve the way we estimate our customers' income and spending
develop our business strategy on who we should give credit
understand how our customers use and engage with Open Banking
You won't be able to see the information we receive in the Monzo app, but you can ask us for a copy.
How to contact us 💬
You can 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.
Monzo Bank Europe DAC, trading as Monzo, is regulated by the Central Bank of Ireland. We are licensed as a credit institution by the Central Bank of Ireland and our reference number is C548457. We are a Designated Activity Company registered with the Irish Companies Registration Office and our company number is 770591. Our VAT number is IE4339872OH.
Past versions
