I’m not questioning the method of identification. I’ve seen a number of examples where someone was turned down for a Starling account but managed to open a Monzo account. Also, there appear to be a number of people who have managed to open a Monzo account but then got the account frozen due to suspected fraud.
I may be completely wrong but Monzo’s criteria for opening accounts seems to be a bit more relaxed than other banks.
I’m not knocking Monzo, I think it’s good that they allow people to open an account when other banks may turn them down. I’m just suggesting that, perhaps, the downside of this is increased levels of fraudulent activity.