Depositing Cash via Paypoint Doesn't Work

I was turned away 3 times. Explain how this is the process ‘working’.

It’s not their fault. It’s their responsibility. My packages don’t get delivered by Amazon staff, yet Amazon are responsible for ensuring it happens.

I did not know about this - which I guess is sort of the point.


I’m a fan of Monzo, but I do think the options for depositing cash and cheques needs to be looked at. I joined Monzo in June 2019, but have kept my original / traditional bank account to deposit cheques and cash into, and then transfer it over to my Monzo account.


My local co-op was the same, the staff including someone from the management team had not herd of Monzo and 3 members of staff tried and did not have a clue how to deposit my money, I just felt I was inconvenience and was holding up the cue at one point until they took me to a separate checkout, I just pay into my Barclays now and transfer over, you would think there would be some staff training on this if they are providing the paypoint service in store.

Machine broken (twice) and staff member not knowing how to work the machine, isn’t something you can blame Monzo for though is it?

Would you blame Monzo if the shop was shut?

Go back to the shop and just ask them to try it and they’ll be pleasantly surprised!

I was turned away loads of times until I changed my approach to how I do it thanks to advice on here.

Now I go to the till and say can i top this up by x amount with Paypoint please. I don’t mention “pay in” or “bank” etc.

I think the Plus card helps as well, having no numbers on the front probably stops most people thinking its a bank card


This still hasn’t changed :rofl: from what OP said about machine being broken twice, the time it takes from logging as issue to it being repaired is highly variable and not often fast. That could be true.

To quote my previous reply in a similar topic, when the systems are fully working it is simple to do.


I’d suggest moving your banking to a bank which better suits your needs.

Like that. Or, alternatively, as long as you don’t want to deposit coins, a bank with an ATM which accepts deposits.


At some point Monzo need to provide a competitive solution rather than this being the answer every time.

Again, this makes it sound like there is some kind of secretive “Open Sesame”-type phrase to do something as simple as putting cash into your account.

For crying out loud Monzo, just go with the Post Office like literally every other competitor of any note.


Misleading title, it does work.

You’ve had a run of bad luck with the places you’ve been.

Not saying it’s perfect, just sharing my experience as I no longer have issues

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I suspect that, as long as people transfer the cash to Monzo after depositing it, Monzo will be quite happy that other banks bear the cost of dealing with the cash (and cheques). The current solution probably works quite well for Monzo.


I know this isnt helpfull ,sorry.
but i do realy belive Monzo just do NOT want or wish to deal with any customer that wants to pay in cash. i mean even if you can find a paypoint and use it sucsefully every time.

you are still stuck with Monzo’s £1000 limit every 180 days


On the half dozen or so times I’ve deposited cash to my Starling account at the Post Office, the money is in my account and I’ve got the notification on my phone before I’ve even stepped away from the counter.


I agree, if you’re a heavy cash (or cheque) user then I’m afraid Monzo probably isn’t the bank for you. Personally, I have only needed to pay in cash once or twice and managed it in my local Tesco with no issues at all. I rarely handle cash (and haven’t really for quite a few years) so it’s not a major issue for me. I get that for those who regularly need to pay in cash the PayPoint solution just isn’t reliable enough.

They are literally the most useless bunch of people…

Thanks for the replies.

I’m not a heavy cash person. I’ve been having a clear out and have sold some stuff.

I’m not going to start being one of those people standing at a checkout arguing with the manager how I know his systems better than he does and in fact it’s not broken and it does work. So forget that.

If Monzo doesn’t want people to be using cash that’s fine - but to offer a service that people cannot use because of ‘reasons’ isn’t really good enough. Having yet another bank account so I can deposit cash as some sort of clever workaround hack doesn’t really sound like it will make my life easier.

Complaining here isn’t really making my life easier either - I’m hardly going to make Monzo realise that Paypoint is (quell surprise) actually not good as they very definitely know it sucks. I guess the point I want to make is that something that matters to me doesn’t matter to my bank and that switching banks is probably the only real answer - just not the one I want.


Mine worked fine the other week. Had £600 to deposit. Done it at £300 a time, due to limits. Was in my account within 5 minutes.

Go to another shop there must be more than 2 shops near you that are PayPoint…

If your purpose is to effect change, complaining to Monzo might be a better option.

If you want to start a debate, or get quick (but possibly inaccurate) information, posting here works best.

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Not sure I understand the massive defence of Monzo here, yes it’s not actually because of them but bad news travels faster then good.

There maybe more people that unlike the OP don’t post on a forum but tell there friends or family not to get a Monzo card and the negative image that gives.

OP is right, if your parcel goes missing it’s on the company you brought from to refund you and sort it out to me using paypoint is the same, Monzo should be sorting these issues out.

Not going to bang on the same drum but I no longer recommend Monzo because they don’t take cash and cheque in a common sense way. You may only need to use it once or twice a year but it’s a hassle you can avoid with starling.


This is a terrible comparison and doesn’t even make sense.

What you’re trying to say is that if you need to return a parcel to Nike, it’s their fault the post office is shut?