I was a recent monzo customer until a month ago. I had to use a bank switch offer with HSBC to take advantage of an offer as I required a credit card which closed my Monzo. I initially contacted Monzo support and they said it would be easy enough to re-open and I could even use the same debit card after a 30 day stand down period.
Today I tried to re-open my account and customer support just said delete the app and reinstall and re-apply. I did that and now my application has been rejected on a credit score basis. I’m not sure why as I have a ‘good’ credit score under Experian and Transunion and I have never missed a payment on anything. My address has been the same for the last 9 months and prior to that another address in London for a year (I moved here November 2019).
The only things that have changed:
- I said I wasn’t going to have my salary deposited into this account
- I used my new UK drivers licence instead of my passport / BRP as verification
- I put in that I had a temporary visa that expires 1 October 2021. This is currently true but my sponsorship will be in progress from next month which will allow me to stay for another 3-5 years.
Anyone else had any issues opening an account and then successfully appealing? As far as I can see once rejected that’s that.