They aren’t asking me to move money. They just seem to be getting me a replacement card?
Can’t find live chat, should I keep on the call?
Edit: They told me they were contacting me on another line, I just called the Monzo number on the back of my card.
They told me to freeze my account, then they asked me my balance. They then said I had a large transaction (over the amount in my account) that was just inputted and asked me to unfreeze. I then asked them to prove that they were Monzo, and they said they could switch lines. This was when I called the official number.
I’d keep your card frozen (although that won’t affect bank transfers) contact Monzo through the app (not phone) and do nothing until you hear from them.
Remember any incoming call can have its number faked easily.
As far as I know, Monzo would never contact you by phone, and always via the app. Spoofing a phone number is one of the simplest things that scammers can do, and asking you to freeze or unfreeze your card just makes me think, surely Monzo could do that if they needed?
I’d do as Dan suggests and contact via app. If it were me I’d hang up the phone.
If you’re using a landline, sometimes fraudsters are able to keep the line item after they’ve called you. So I’d always rely on the side of caution and use the app.
Just personal views, of course - you must do what is right for you.
They build up a picture of you using various different sources including your card details, name, date of birth etc etc.
Then they try and put through a fraudulent transaction (often a 3DS transaction) so nothing actually goes through but you get a prompt through the app to authorise a payment. Then within a few minutes they spoof a call from Monzo (or another bank!) and it sounds legit because they know about the attempted txn (because they tried to put it through themselves!)
DODGY 