My bank card is damaged and when I try to order a new one why am i being charged £5
Ask Monzo in app chat.
Unfortunately, we won’t know why.
You damaged it or it arrived damaged?
You don’t get unlimited replacements for free, so that’s why you are charged.
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Hey there 
Unfortunately if the card is damaged through usage we do charge a £5 fee for the replacement unless you fall into the Higher Allowances category.
If you received a fault card during delivery we do also cover this - if you fall into that situation please use the support chat. 
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Alternatively, if you’ve got access to some other bank card to use in the meantime, do what it takes to start qualifying for the Higher Allowances category from now, then as soon as you’re fully qualified you can order your new card for free.
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Don’t say “unfortunately”. If that’s Monzo’s policy, own it.
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Sorry if any offence was caused?
Unfortunately was used here to describe the situation that it’s unfortunate that the person has damaged their card.
Not sure how it could have been interpreted another way. 
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No offence was taken! I read it as “unfortunately our policy costs you money”. It’s fine to charge, but please don’t say “unfortunately we have to charge you”.
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If it was stolen you don’t have to pay the £5 fee 
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Stolen doesn’t equal used.
Wallet got grabbed in the street, someone took a picture of the details etc.
Comes in many forms, Monzo doesn’t wanna see anything.
The amount of free replacements I’ve had 
This is legal.
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The police don’t care about bank cards being stolen.
Just tell the bank, replace your card, done.
No, it’s a whole drama over nothing if there’s no fraud occurred.
Tips of the trade, Monzo also don’t care.
Monzo also don’t care.
If a customer repeatedly replaced their cards over a short period of time they might add the fee, but once a blue moon it’s nothing.
You weren’t around when the Neon card launched.
Everyone lost their cards… multiple times.
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Fixed that.
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Don’t be stealing Revels versatility to monzo.
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I’m sure you’re joking but please don’t actually do this. It’s a bank.
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Apologies 
I didn’t realise it was an old thread, I just found it while searching for the same thing OP was as well as reddit threads explaining that if it was stolen you aren’t charged the £5 fee, so I thought I’d share the information.
Didn’t mean to start beef in the monzo community 
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I disagree. It’s far more frequent than that.
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I didn’t even know a Monzo forum existed before, now I’m sticking around for the entertainment 
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