Use credit card as a debit card (almost universal acceptance), instant notifications, all my card transactions in one place, don’t have to remember lots of PINs, don’t have to carry all my cards (lots of them now sit in a drawer permanently), continuous timeline of transactions, even if I start using another card, cashback (though not much) - lots of reasons!
Amex support will be the icing on the cake. CS could also do with some polish
Anarchist
(Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)
1035
I have noticed that it takes longer if the transaction is settled (so if I wait a few days before going back in time it can take a while for the refund to be made).
How many days has it taken? i use tandem and usual get a notification straight away, the two most recent ones which happened today have changed card but ones from a few days ago are still showing on both accounts
Anarchist
(Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)
1039
From memory, a couple of days. They were between Nationwide accounts (credit and debit) so ther were no notifications.
I seem not to be getting any refunds, just showing on both accounts,
Monzo to tandem and tandem to Monzo so usually get instant notification of refund but haven’t received them in 2/3 days still waiting
Anarchist
(Press ‘Help’ search ‘Contact us’ or email help@monzo.com or call 0800 802 1281)
1042
I think 2-3 days is the upper limit of acceptability. I’d contact Curve in app. I’ve found them very helpful in the past. Not necessarily the quickest, but they do the job OK.
Ive just emailed them and they got back to me instantly (Which was very good)
They’ve said ‘‘the payment on the original payment card will be refunded straight away’’ so if its refunding onto Monzo shouldn’t it go through straight away?
Refunds work slightly differently to payments. There is no instant refund authorisation mechanism in place, so Monzo will credit your account once they receive the money (there is no other way for them to know that you are being refunded, if I remember correctly).
As the transaction is still pending (I presume), Monzo has been known to let go of the funds if you send them an in app chat with proof of refund (a certified confirmation from Curve that it will be coming) and the money will reappear in your account as spendable. This is helpful to speed up refunds of deposits for example, with a car hire company; when you get a refund receipt from them, you can send it to Monzo if you need the money right then