Published by Monzo on Nov 7, 2024

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Why should I report an Issue with Monzo - Mobile Banking?

  1. AppContacter will directly Email your issue/feedback to an apps's customer service once you report an issue and with lots of issues reported, companies will definitely listen to you.
  2. Pulling issues faced by users like you is a good way to draw attention of Monzo to your problem using the strength of crowds.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
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About Monzo - Mobile Banking

1. No account fees, overdraft fees, or foreign transaction fees. 🌱 Earn up to 3. 75% APY with our no catch instant access savings. 💸 Get paid early with a qualifying direct deposit**. 🏦 Connect all of your accounts and cards for an all-in-one view of your finances. ⚡️Instant access to cash with our network of nearly 40,000 free ATMs across the US. 🏆 Our award-winning support team is here to help 24/7. 🛡️ With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.

2. Protect your money with Touch ID, Face ID, and PIN. *The national average interest rate for savings accounts as posted on FDIC. gov, as of June 17, 2024. **A qualifying direct deposit is: an ACH deposit of $250 or more to your Monzo account; or deposit is made by your employer or payroll provider for payroll or pension payments; Or by a government agency for benefit payments (e. g.

3. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed.

4. With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.

5. The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

6. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ¹Your funds are held at Sutton Bank, Member FDIC.

7. Monzo is an award-winning mobile banking app that helps you save towards your goals, spend confidently, and manage your money in one place—all without any fees.

8. Set a target for how much you want to spend and we’ll help you stay on track. Earn up to 4. 25% APY on your savings, with a rate more than 9x the national average.

9. Earn $15 for you and your friend when you invite them to Monzo. Terms apply. 🚫 Say goodbye to fees.

10. Get money saving insights across all your bank accounts and credit cards.

11. Set aside money for trips, bills, emergency funds, and more in a Savings Jar.

Monzo Customer Insights

1. Please fix it.The app is good, the services are good, BUT it froze my account when I made a deposit to myself from my PayPal with my other bank card.... It wasn't a large amount but I needed to use the funds urgently!!! Contacted support but they couldn't resolve it, just said investigating and wait, SUPPORT IS USELESS! I will not rely on this bank anymore in any urgent situations!The balances are very confusing.

2. Monzo, as a challenger bank feels increasingly like a conventional one but lacks the perks they offer.What's the need of going to a physical bank to set up an account and go through all the fuss? I've been very impressed with Monzo, it's so convenient to do everything, customer service is top Notch.

3. I'm already going to be switching to it as my main bank as it's just that good, it has many features that are really helpful, I would love to see something like a feature that helps me track owed debt that I owe, that people owe me, but their current feature set is still impressive compared to many big standard bank apps.

4. What worries me is if this bank crashes it will be impossible to move your money to a safe place as they will just hide behind the app.This used to be a fairly solid app but the latest update results in a cluttered overview and copying your card details takes more clicks than before.

5. My overall balance is zero but target says £80 left.Biggest draw back with using this Bank is talking to someone about an issue.

6. This is banking of the future - don't be left behind.I've been using Monzo for a decent while now, and holy hell is it good.

7. I've been going into a back and forth with a company that didn't want to refund my money (quite literally a scam) but after contacting Monzo everything was resolved.

8. Every single time I need to pay via monzo.me link I waste ten minutes because whenever I click at the link it just opens the main screen and nothing happens.

9. Deceptive and miserable customer experience.On the main page upcoming payments now aren't greyed out anymore which confused and makes you think that the transaction is completed while it's not.

10. Monzo is a good bank and the old app was great.

11. I've got zero pounds left but it says I have £20 to spend and in my trends in target it says I've got 14% almost 80 pounds left to spend this month.

Steps to Troubleshoot & Fix Monzo Issues

1. Fix Monzo Not Working/Crashes/Errors/Unresponsive & Black/White screen:


  1. Restart Monzo: Restarting the app will resolve most errors.
  2. Update the Monzo App. Here is how:
    1. On Android goto PlayStore » Search for "Monzo" » Open Monzo - Mobile Banking » click "Update".
    2. On iPhone, goto AppStore » Your profile » Available Updates » Check for Monzo » click "UPDATE".
  3. Clear Monzo - Mobile Banking app cache: Clearing cached data will force your app to retrieve the latest data directly from Monzo servers.
    1. On Android, goto Settings » Apps » Select "Monzo - Mobile Banking" » click Storage » click "Clear Cache".
  4. Check Monzo app permissions. If any of these permissions required to use your device's features are disenabled, Monzo might not work.
  5. Uninstall and reinstall Monzo. If nothing else has worked, completely uninstall Monzo then reinstall.
  6. Restart your device. Last, restarting your device can often clear most problems causing Monzo not working


2. Fix Monzo Server issues & Internet Connection


  1. Check network connection: An unstable Internet will make Monzo be unable to connect to it's servers. Ensure your wi-fi is working then restart app.
  2. Disable VPN: VPN can cause connection errors and lead to Monzo not working. Make sure all VPNs are off
  3. Enable background data: When Background data is turned off, Monzo may not be able to connect to the Internet when running in the background.

Reported Issues