Monzo Fraud: How to Report It and Stop the Money
If money left your Monzo account without your permission, or you paid a scammer, contact Monzo straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Monzo’s official line below, or use help inside the official Monzo app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. Monzo will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in United Kingdom, and keep screenshots of every message and payment.
Official Monzo fraud contacts
Monzo
Bank- Customer care:0800 088 4040
- Customer care, from abroad:+44 20 3872 0620
App or online: In the app: tap the payment, scroll down, then 'Something wrong? Get help'. No app access? Use Monzo Web at web.monzo.com.
Know this about United Kingdom
- Report Fraud covers England and Wales. In Scotland, report fraud to Police Scotland on 101.
- Halifax is not on the published 159 list, and we could not verify a Halifax fraud number: call the number on the back of your card.
- The APP scam refund rules cover bank transfers only. Card, cash and cheque payments have separate protections.
If Monzo won’t help
159 (Stop Scams UK)
If you get an unexpected call about money, hang up and dial 159 to be put through safely to your bank. It cannot be spoofed by scammers.
Most UK banks take part, including Barclays, HSBC, Lloyds Bank, Monzo, Nationwide, NatWest, Santander, Starling and TSB. Halifax is not on the published list.
Official websiteReport Fraud (England and Wales)
If you are in England or Wales and lost money or were hacked through a scam or fraud, report it online or call 0300 123 2040.
Official websitePolice Scotland
If you are in Scotland and lost money to a scam or fraud, report it to Police Scotland on 101 or online. Call 999 if someone is in danger.
Relay UK users can call 18001 101.
Official websiteReport phishing emails and texts
Forward suspicious emails to [email protected] and suspicious text messages to 7726 (free).
Official websiteFinancial Ombudsman Service
Free. If your bank rejects your fraud or scam complaint, or has not answered within 15 days, you can take it to the Ombudsman.
Complain to your bank first. You must contact the Ombudsman within 6 months of the bank's final response. Helpline 0800 023 4567, Mon–Fri 8am–5pm.
Official websiteYour rights as a Monzo customer in United Kingdom
- APP scam reimbursement (payments made on or after 7 October 2024). If you were tricked into sending money by Faster Payments or CHAPS, your bank must normally refund you up to £85,000, usually within 5 business days; claim within 13 months of the payment. Banks may deduct an excess of up to £100 (never for vulnerable customers), and can refuse if you were involved in the fraud or grossly negligent. Source
- Unauthorised payments. Tell your bank as soon as you notice a payment you did not authorise, and within 13 months; it should refund you by the end of the next business day, including charges and interest. If a lost or stolen card was used before you reported it, you may have to pay up to £35. Source
Report it to the police too
Cybercrime agencies in United Kingdom lists who to report to.
Common questions about Monzo fraud
- What is the Monzo fraud helpline number?
- Monzo lists these numbers on its own website: Customer care: 0800 088 4040; Customer care, from abroad: +44 20 3872 0620. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to Monzo?
- Call Monzo's official line, or report it in the app or online: In the app: tap the payment, scroll down, then 'Something wrong? Get help'. No app access? Use Monzo Web at web.monzo.com.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if Monzo will not help or refund me?
- In United Kingdom you can complain to 159 (Stop Scams UK), Report Fraud (England and Wales), Police Scotland and others. Details of what each one handles are on this page.
Other providers in United Kingdom
HSBC UKBarclaysNatWestRoyal Bank of ScotlandSantander UKNationwide Building SocietyTSBStarling Bank
These contacts were read on Monzo’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Monzo and cannot recover money. All United Kingdom providers are in Bank Fraud Help: United Kingdom.