How do I reopen my closed Monzo account?

If you want to reopen an account - all you need to do is contact us!

The easiest way to get a hold of us is to email us at usa-help@monzo.com. We'll ask for some quick verification info, then we can get your account re-opened.

When you reopen your account, you can keep using your same account and routing information as before - but, we will need to send a new card out (even if you still have the old card on hand).

We aren't able to open a brand new account if you previously had a Monzo account in the US. So if you have a closed account - we ask that you re-open the existing account instead of creating a new account.

Adjust your cookie preferences

We use 4 types of cookie. You can choose which cookies you're happy for us to use. For more detail, and a list of the cookies we use, see the Monzo cookie policy.

Was this article helpful?

Related articles

Download on the App StoreGet it on Google Play

Monzo is a financial technology company; not a bank. All banking services are provided by Lead Bank or Sutton Bank; Members FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank or Sutton Bank, Members FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms, Lead Bank Cardholder Agreement, Sutton Bank Terms, and Sutton Bank Cardholder Agreement for more details.

As of June 18, 2025, the Annual Percentage Yield (APY) accrued from Monzo’s Savings Jar is 3.75% with a Monzo Preferred subscription and 2.00% APY for Monzo Everyday users. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. See Lead Bank Interest-Bearing Account Agreement or Sutton Bank Savings Account Agreement for more details.

Funds held in the Monzo deposit accounts are held with Lead Bank or Sutton Bank; Members FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank or Sutton Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo’s failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage.

Monzo Preferred is an optional monthly paid, subscription membership program. Subscribers will be charged every month. Once enrolled, subscribers have access to Monzo’s highest APY, cashback rewards, exclusive upgraded benefits and access outside of Monzo’s basic offerings. Please see Lead Bank Terms or Sutton Bank Terms for more details.

Can we use optional cookies?

We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about our cookie policy.

Adjust your cookie preferences

We use 4 types of cookie. You can choose which cookies you're happy for us to use. For more detail, and a list of the cookies we use, see the Monzo cookie policy.