Does Monzo have any detection mechanism for fraudulent transactions?

Monzo have a proactive approach to fraud.
Although not every instance is able to be caught before it’s too late.


I used to have no end of problems topping up on O2 with my credit card. I continually had to call them to get my card unblocked.

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I am aware of this. However, this is what I’d call reactive, as they reacted to lots of people reporting fraudulent transactions and then did searches to find the common link.


I have added an additional example of the sort of thing I’m thinking of.

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They were doing it in the top up days. I doubt that they have stopped.


And this.

This seems to be about top-up fraud rather than fraudulent purchases, but it’s interesting either way.

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I should read through this…

I expect it would go right through. To be fair, I’d also expect it to go right through on my legacy bank too. I bought my last car using my legacy bank card, didn’t warn the bank any, that went through no problem at all.

That Monzo have instant notifications does really help, as I would notice within minutes (to hours at worst) if any fradulent transactions occur, as opposed to days/weeks/a month with my legacy bank.

As fraud detection goes, that works for me.

There probably are systems working in the background to identify suspicious activity on Monzo accounts, but I haven’t tripped any of them yet and Monzo probably can’t tell us (much) about them. On the other hand, I used a credit card late at night to place an Amazon order once, and that caused all manner of problems when they blocked the payment as suspected fraud (even though I’ve been ordering from Amazon late at night for decades, almost!)


I’ve had sudden fraudulent jewelery purchases blocked on my old card a couple of times :laughing: when they detect working card details, seems to be the first thing they try…

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Does Monzo hook any 3rd party platforms in to their fraud systems? Most big banks use

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The only time I ever had a legacy bank correctly detect fraud it was months later, and that was only because a credit card I had never used was at its limit… The fraudster had cloned the number and had been using it for loads of stuff.

OTOH They’ve ‘proactively’ stopped me buying things, stopped regular direct debits and generally messed me about lots of times (some are worse than others. I left Halifax due to this happening on a weekly basis plus being really hard to contact, First Direct only did it once and were really good about unblocking the card).

Give me monzo’s method any day. If my card got cloned they’d get exactly one transaction before it was blocked and useless to them.


What is monzos approach to fraud as I have reported an account on a anumber of occasions now with no reply it would seem that they’d are quite happy to house the fradsters taking money by deception.

Hey @Safetyman ,

These articles may answer your questions :slight_smile:

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Not very helpful thanks, so how do I go about reporting an account that has and is being used for obtaining money by deception.

The best thing here is to contact your own bank so that they can contact us and we’ll look into it.


My bank are asking me to contact you guys and file report along with action fraud and the ombudsman

I’d send an email with all the details you have to

It should really be your bank following up with Monzo. It’s quite unprofessional for them to ask you to contact Monzo directly. :thinking: They’re just asking you to create an extra, pretty pointless step - plus they’d have more relevant info. :no_mouth:


Not sure sure we have all the facts here, but if Safetyman has been defrauded then you’re right that his bank should be doing the legwork for him.

However, to me it sounds more like an attempt was made but Safetyman didn’t fall for it, and that’s why his bank is passing the buck in terms of reporting.

If I’m wrong and it’s actually the first situation, then the bank need to be pressured to add properly.