My account has now been frozen for over 19 hours - even after providing information the transaction was not fraudulent I was paying a legitimate organisation, I have a personal event tomorrow and a life-changing event in the next few weeks with no access to my money I have been dealing with chat with no help what so ever! Monzo have not provided me with a time line either
These things take time, all you can do is be patient while Monzo check over everything to make sure your money is safe.
Its undersandably frustrating but something triggered a fraud flag and even though youâre saying the one transaction was legitimate there could be more to it than that.
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Welcome to Monzo.
Donât forget, we are community users just like you and have no means of account access.
As with any bank, you just need to wait for them to respond.
Hopefully not much longer provided youâve given what monzo have asked for. Itâs for them to calculate whether the payment was risky based on what evidence youâve provided.
If banks just took âthe payment is fine itâs not fraudâ statements as gospel, itâd be an easy win for the fraudsters.
If you remain unhappy after a reasonable timeframe has passed, raise a formal complaint (though that can take a min 4 business days for a response of acknowledgement).
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I have to be honest here. I was really stressed when my account got suspended/frozen. I provided with all the information they requested. They reinstated my account within 2 hours. And I was immediately able to make the transaction I was initially wanting to make.
I was somewhat pleasantly surprised on how quickly it was resolved. I was really worried after reading some of the comments on this page. I can say to people it is not all bad always. Iâm in the UK btw if that makes any difference.
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Eggs, baskets. Monzo teaches that lesson⊠glad you got resolved so fast. I wouldnât be able to use it as my main account with peace of mind if i didnât have another current account ready to go with some cash in it
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