I moved from Monzo to TSB, and the CASS Redirect does not work.
When I’ve used the CASS with any other bank, they broadcast my new bank details to the Faster Payments service - so If someone sends my old bank account money, it appears in the new account, from the person that sent it.
Monzo has been the opposite.
Despite my account being closed, every time someone sends my old account money, I get a Push Notification - the money is then accepted by Monzo, and then a minute or so later Monzo sends it to my TSB account. It arrives in my TSB account from “me” and doesn’t show the original senders name.
Live “Support” at first told me the CASS only diverts direct debits. They then told me that the CASS is no longer in use in the UK, and then finally I was told to issue a charge back?
After asking for this “support” agent to escalate it as clearly he didn’t have a clue what he was talking about, the second agent was better, but still just copy and pasted generic info about how the CASS works.
Has anyone else had this issue?
For a start, Monzo should not be seeing any transfers, they certainly should not be accepting them. I simply want my old account number and sort code to redirect, via the CASS correctly to my new bank.
The payment has been received by monzo and redirected to your new account; I don’t believe the policy covers a fact it needs to show who actually sent it, only that the initial bank must send it forward, which they have done.
Not all banks need to be the same, though can understand why you may feel frustrated by it.
I’ve CASSed a lot of accounts but have never come across this behaviour before. It has been an instant redirect, along with the saved payee being automatically updated to the new account details. Odd that Monzo chose to do it a different way.
When you say you receive a push notification (is that through the Monzo app?) I would have thought your app would stop working if you’ve closed the account?
Apart from the GDPR issues, this is a total honey pot for money laundering. As it stands, I can funnel any payments from any countries or questionable places to my Monzo account. They cannot stop it, and the payments will show in my TSB as from me!
Looking at the current account switch guarantee it doesn’t commit to ‘how’ they deal with the re-direct of payments sent to your closed account other than to say they will be automatically forwarded to your new account and the correct details of your new account informed to the sender so I think technically Monzo are complying.
Whether there are more details provided by CASS to participating banks I’m not sure but any complaints about CASS should be directed to your new bank not your old one (again according to the current account switch guarantee) and as technically payments are being redirected to your new account I can’t see them not meeting their obligations.
There isn’t any GDPR issues - they redirected money from your monzo account to your new account. That is what CASS is about, they are obligating to the rules.
Money laundering how? Send your money to you in line with the rules?
Monzo can still also block payments they suspect are fraudulent if it is in breach of the law or any other internal policies that may be triggered, as a bank, it is their duty to protect all customers from risk, including those who have moved banks.
This same thing happened to me when I CASSed away from Monzo - but only on the day the switch completed. From the next day on it worked as with other banks.
Once your Monzo account is closed, Monzo shouldn’t still be receiving and processing payments sent to your old details, period. Under CASS, those should be intercepted and redirected at scheme level so that Monzo never touches the money or the sender’s data again.
By still accepting the payment, sending me notifications, and then forwarding it on, Monzo are effectively processing personal data (mine and the original payer’s) without a lawful reason to do so.
Just because you close your account, doesn’t mean they have to wipe all of your data. Moreover, they’re fulfilling the CASS agreement you made with them.
Is Monzo still processing these payments and forwarding on or were they only occuring on the day of the account transfer with subsequent ones being redirected as you expected?
. Clearly undertrained or overconfident in its job 
