I did. It is the same result as above photo
Yes. I think so. What should i do now?. Should I write sm email to them?
If by âthemâ you mean Monzo then no. Itâs unlikely they will change their stance.
Youâre best looking for another bank and if they decline you too then you will need to contact cifas to understand why.
Could you advise which banks I can open without proof my address. I am staying in the UK visa Visitors Visa. I will do Spouse Visa soon.
Try Starling?
Nobody is going to give you an account if you have a serious CIFAS marker.
Speak to CIFAS and see what they say about it. Nobody on here can tell you the answer, you need to speak to them directly.
Monzo have said no, thatâs the end of that.
I have never lived in the UK before. So i donât think i have cifas maker. Anyway, i would love to know how can i check it? If i have cifas maker, what should i do?
It is very likely that you were declined due to address issues (in combination with multiple account attempts)
Banks are required to ascertain your address and without proof of address they canât. Also not sure if many banks would open an account for someone who doesnât yet have right to remain in the UK
Try opening a prepaid account like Transferwise Borderless for the time being and once you have a right to remain and proof of ID, try opening a full account
People mentioning Cifas is a bit confusing as I think the issue is as above 
but if you have any reason to believe you would be included on a Cifas database, by all means submit a SAR
Not wanting to derail this thread, and Iâm sure other banks declined applications behave in a similar way so this is not specific to Monzo, but I donât understand why more context cannot be given when declining an application?
I know they donât have to give a reason for declining, but would it not be easier to do so?
Even just to give a reason of e.g. something you have told us doesnât match your credit file/you already have a pending application with us etc?
I get that there may be things they canât be specific about in order to not harm their anti-fraud measures (I assume thatâs the reason), but would have thought some context would be possible?
Just wondering, but I donât have the knowledge obviously to know why it is the way it is 
.
I was really excited to get my Monzo account and switch over, so can imagine if I got a decline without any reason, I would be scratching my head until the end of time wondering why 
.
It sounds like from one of the OPs posts that Monzo are still verifying the original application.
Iâm sure itâs confusing an upsetting but there are other banks you could try without needing to visit a branch
Alternatively you could visit Metro Bank. They have pretty funky looking branches and great customer service
1 Like
I have the same problemâŚsad.
I tried to email Monzo support and there reply was just not helpful, which only ask me to read their privacy terms.
And I am the same situation as u. Thereâs no way we would have record in the CIFAS. I have also tried to take a look in CIFAS to get a report, and not able to do so. CIFAS need the requesting person to verify their identity, and one of the requirements is providing last 6 years of UK address!
All people newly to UK could not fulfill this term. Whatâs should we do?
I am really confused why thereâs a CIFAS involvedâŚwhich we didnât do anything inUK before, or even visit UKâŚ
You may be able to open a basic bank account at one of the banks listed here - https://www.moneyadviceservice.org.uk/en/articles/basic-bank-accounts
However you will still be required to prove who you say you are in and where you live order to comply with know your customer and money laundering regulations.
You may come across additional issues if youâre a resident of a country under increased monitoring for money laundering and terrorist financing - http://www.fatf-gafi.org/publications/high-risk-and-other-monitored-jurisdictions/documents/increased-monitoring-february-2020.html
I still think the CIFAS message is a bit misleading - Monzo just say âyou canât get an account and this may be whyâ.
If youâre new to the UK it may be that they donât have enough information about you through your credit file to verify you.
Do get your details from Cifas (you can do the whole process online and donât need 6 years just go back as far as you can).
Or try to open an account with a high street bank - if they reject you then itâs definitely Cifas
1 Like
I agree. I reckon this is a standard reject message as opposed to a cifas specific message.
I disagree that a high street bank rejecting you is conclusive proof of a cifas flag. Only a query to cifas is conclusive proof of that.
I agree. Itâs just easier to get a better idea of whatâs going on if youâre rejected by another bank in-person than get all the details about your second auntâs cat that Cifas require to verify you
This topic was automatically closed 180 days after the last reply. New replies are no longer allowed.