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According to its official website, Monzo is a bank built for the smartphone that was founded in early 2015 and became a regulated bank in August 2016. Monzo Bank Limited is registered in England and Wales under number 09446231, at Broadwalk House, 5 Appold St, London; the site says 16 million people use Monzo. Through its mobile app the bank offers personal and joint current accounts with no monthly fees, accounts for under-16s and 16–17-year-olds, paid account plans, savings Pots and Cash ISAs, credit cards (including Flex), loans, overdrafts, investment and pension products, insurance and business accounts; Fixed Rate and Select Access savings accounts require at least GBP 500. According to the Bank of England list and the FCA register, Monzo Bank Limited is authorised by the PRA to accept deposits and is regulated by the FCA and the PRA. The site states that eligible deposits are protected by the FSCS up to GBP 120,000 per person. This information is the company's own statement.
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: septiembre 2026 – octubre 2026
MUY ALTO — NIVEL DE QUEJAS
El 18 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Bloqueo y congelación de cuentas: Muy alto · Retiros y pagos: Alto · Préstamos y tarjetas de crédito: Muy alto · Operaciones no autorizadas: Muy alto · Otros: Alto · Atención al cliente: Alto · Tarifas y comisiones: Alto
The complaint distribution is based on the latest 1-star reviews on the Monzo Trustpilot page (92) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Monzo name are left out. Across the complaints, accounts closed or restricted without explanation with funds held, held payments, and rejected card disputes and fraud refunds stand out.