I’m not sure if this is the right place to post. I received child benefit into my joint account. The app sent me a push notification saying I could ‘receive the payment now, a day early’ - it then gave only one option, a next button at the bottom of the screen. Then I had to move a sweet/ candy into a cauldron. It then said that it had lent me the money/ paid the child benefit (it called it a salary) a day early. I gave ZERO consent for this and absolutely did not want it to happen. I was left feeling very disappointed that it had forced me into getting what is essentially a loan. Really really disappointed and would like someone from Monzo to contact me via email. Please also make sure this does not happen again or I will be leaving the bank. Which would be a shame as I have loved it for years.
Probably the wrong place - please let me know if I need to post somewhere else.
Bertie
Hi @Bertie17
I’m sorry to hear that you’ve had a bad experience with Monzo’s Get Paid Early feature. 
This is a feature offered to our customers and has been around for quite some time now, unfortunately this isn’t something we’re able to turn off (as far as I’m aware). However you can decide to not utilise this feature by ignoring the prompt to ‘Get Paid Early’ entirely and wait to receive your usually BACs payment on the usual day it should be paid.
If you’re still unhappy please reach out to complaints@monzo.com to raise a complaint. 
This cannot be real.
I haven’t received a BACS into Monzo for years but by the sounds of it what that screen needs is a back button or a way to cancel the flow if started. Is that not the case currently?
There’s a back button on both screens.
Hi @Bertie17 & welcome 
It’s not a loan. It’s a feature that gives you the money you are going to get anyway, but earlier. Approx. 10 hours earlier. Monzo takes all the risk here - although there’s actually very little risk at the point you can claim early: after 4pm on the day before the committed payment would normally land in your account.
At least you got the last use of this year’s Halloween candy/jack’o’lantern graphics - it’ll now be the normal notes/wallet graphics
Mind-numbing.
I mean to be blunt, you did. What did you think you were doing clicking next and then dragging a pumpkin across the screen?
I sort of want this one to go to the Ombudsman. If nothing else, just to see “candy and cauldrons” being referred to in an official decision notice.
It really is an overreaction to a non-issue.
Wow, that is quite a misunderstanding.
Taking a moment to reflect on your actions or doing a bit of research before coming here to vent and make threats could have completely changed the outcome
Let’s keep it civil please folks!
Not through the help section of the app to reach a colleague?
How un-monzo of you 
Of here? Based on what they wrote It looks they’ve got a complaint. Not sure anyone here could really help with this - maybe advice would resolve it for now though 
PS @Bertie17 I added in some context to the title because it might’ve been mis-understood, it might seem like a loan but really it’s more of an early advancement, which you do have the choice not to do. I’d feedback any wording changes to Monzo in chat so they can consider them for the future.
Ie contacting monzo through the help section of the app to complain.
Risky. They might end up with an overdraft.
Is it actually 100% certain that after 4pm the money will turn up? If not, then it is a loan, albeit a very short term and interest free one.
If the 100% certainty doesn’t apply, what happens if someone takes the money out at, say, 5pm and the money doesn’t arrive with Monzo? I’m guessing that’s an overdraft created.
4PM it can’t go back. Which is why it’s 4PM.
If Monzo let you have it at say 11am, then the risk you highlighted would apply.
Further up it was stated that Monzo takes the risk which implies that it isn’t certain that the money will arrive. In fact it said that it normally will arrive, not that it always will arrive.
Monzo definitely used to say that the payment is an advance and if it doesn’t materialise they can claim it back, including putting the person into an unarranged overdraft.
There’s always the option to NOT click next.
I think this is a very edge-case scenario - there’s only so much you can do for a customer before they have to help themselves a little bit.