r/monzo

my partner's phone was stolen at knifepoint this morning so i'm posting on their behalf

they've managed to cancel all other cards on google pay but monzo won't do anything because my partner can't get into their email for verification and obviously can't receive texts to their number. they've tried calling and monzo won't speak to them without this verification. I saw that you can email them with your account number and a photo of you with ID etc but they don't have their monzo number memorised

they also can't reset their email password because they can't get into the backup email either, everything's locked behind 2-factor authentication

the phone's been reported stolen to the police and the phone company who have deactivated the phone but not google pay

is there another way to verify their monzo account/cancel the card remotely? if not, will monzo refund any money spent by the thieves since the police have been notified?

Hi all - I don’t frequently use paypal at all and only recently realised I made two purchases via paypal credit, one which has £95 left and charges interest from 10 July, and one which is £105 which charges interest from October.

Is it possible to pay them both off now via Monzo flex so I can then pay them off in 3?

I can afford to pay them off now but would rather flex when I can but my flex has a minimum £100 spend. When I try to add Monzo flex paypal gives an error and when I try to add manually if requires a sort code which I don’t have for flex?

I've taken over a business, I'm director and shareholder.

The company already has a business account with Monzo but with the previous director personal details.

I tried opening a new business account but it said one already exists for that company. As a hint it said the other director can add me to he account.

But the other director doesn't want anything to do with the company so how do we go about this?

Has anyone here done a chargeback with Monzo Flex and got the temporary credit first? I’m just trying to understand how it usually works — like if the merchant disputes it, can Monzo take that money back later, or if you have strong evidence does it usually go in your favour? Just want to hear real experiences because I’m a bit stressed about mine.

As title suggests, I need a lump sum of approx £4k on the 23rd, I get paid on 31st and can pay it back then. Is this possible with the personal loan or is it tailored for more long term?

It feels ridiculous that virtual cards are still locked behind a paid tier. Almost every other digital bank or fintech app lets you create at least one or two virtual cards for free to use online safely. Charging a monthly subscription just to avoid putting your real card details on a sketchy website feels a bit behind the times

I received a cheque today in my maiden name. I changed my name with Monzo after getting married last September and provided my marriage certificate as proof, so they have a record of both names.

The company that issued the cheque is an absolute nightmare to deal with. I’ve had this exact issue before, and although they eventually reissued it in the correct name, it took around 8 weeks, countless phone calls, and hours on hold.

Is Monzo likely to let me pay it in anyway, given they already have proof of my name change? Has anyone been in the same situation?

Hello, I recently went on holiday and signed up to ‘ultimate leisure club’ we stated our intention to cancel the agreement within 5 business days as it is not something we actually want.
We have been going around in circles and are over $1500 (we are UK based) down. I would like to cancel any agreement and receive a refund but I have not had success with raising a chargeback through Monzo or in getting any money back from this ‘Panama’ registered company.
Help is very appreciated!
❤️

Hi all

As the title suggests, I had a look to see if I could get a quote for a loan with Monzo but was told they can't give me one. So just out of interest I tried the 'Get a loan to pay off borrowing '.

To my surprise it said they could give me up to £9k - convenient given the lower interest rate is just £1k more.

Anyhow I decided to see if it would be worth my while so proceeded through the steps. Never did get as far as seeing what the repayments would be because as well as selecting what I wanted to pay off, it also asked for the card details etc.

Just a little reluctant to enter these just yet as I'm only looking for a quote.

Anyone had any experience with this at all ? At what point do you get the actual quote of monthly repayments?

Thanks all

Monzo closed my account with money still in it and asked for another account to transfer the balance to. Problem is I can’t open another bank account at the moment as applications keep getting rejected.

Has anyone been in this situation before? Did Monzo offer a cheque or any other way to receive the funds?

Saw this mentioned briefly on Twitter, but it annoys me slightly that Monzo makes you go through the action of placing the money into the wallet with the hope of a “double payday”, when they only reward 10 people a month.

Surely it’s something like a 99.999% rejection rate? It’s a pretty demoralising monthly activity that gives you hope for a millisecond before immediately taking it away. Also, the little payday facts don’t really interest me at all.

I understand the appeal of the double payday, but I just wish monzo explained the odds better and skipped the whole having to drag your money into the wallet step.

Does anyone actually enjoy this feature, or would you rather it was handled differently?

I filed a fraud claim on a transaction that I paid when I was out of my mind because my drink had been spiked in a bar in Morocco which I just came back from on holiday and because I used Face ID to pay for it, I don’t remember any of that because I was totally out of my mind completely blacked out because my drink has been spiked He also sexually assaulted me when I was at the apartment and took the money that I had in cash. I’ve already filed a police report in Morocco about this. For that transaction, I claimed a fraudulent transaction with Monzo. They said because I had made that purchase using Face ID, I wouldn’t get my money back and it’s not fraud.

I can take that they won’t give my money back, but then they followed with they are closing my account in September. I told them that this is unethical and this is not my fault. I would never have claimed the chargeback if I thought that I was going to be punished for being sexually assaulted and having my drink spiked, they still got back to me and said that they are still closing my account, despite me filing an appeal and explaining what happened, whilst I was in Morocco, having to deal with all this and having to fly home within just a few days (I got back this morning.) I’m going to try and escalate this in every way possible, although I’m not sure where to start, because I’m extremely upset about this and it’s not fair. Still in distress over all of this. Any help would be much appreciated. Thanks so much in advance.

Hi guys,

Have just got flex as like the 3month 0% feature. I’ve just have a question regarding the payment options.

I set it up as pay in full on 5th of each month but I was wondering if I did a payment that I want to do over the 3months can I change it to that even with my setting being as pay in full? Or am I best to setting it choose for every payment?

TIA