My girlfriend got scammed from hmrc Scam will monzo refund?

Yesterday my girlfriend got a call from “hmrc” asking for money, she is from canada and she got scared because they were saying to her the she could get arrested, they did the Scam very well sending her paper on her number that looks legitimate paper from hmrc, she didn’t know about this scam until i arrive to her, but it was to late she had paid already 1.8k, my question is will monzo refound her the money? They are investigating but im very worried because was our savings

She should send all of the evidence she has to Monzo, and Monzo will make a decision based on that evidence and the knowledge Monzo has from its internal data.

If she thinks the decision is wrong, she should make a formal complaint explaining why she believes it to be wrong.

Good luck, I hope it goes well for her.

1 Like

Thanks for your answer, just wondering monzo if decide that is a legit scam they refund? Or they are against refund? I dont know if make sense what im asking sorry

If you have been defrauded, there’s a good chance they will refund you.

If they feel like you were at fault, then they might not.

Have a look here

Seems to be similar to your girlfriend and this person got a full credit from Monzo.

In whatever you(/your GF) speak to Monzo about, make sure to be really clear about how and why they managed to convince you they were legitimate.

Part of the “Auth. Push Payment” code is about your responsibilitiy - and your belief that the Scammer was a legitimate agent acting as who they said they are. You can see more on Which? here:

Monzo aren’t part of this Code, but “follow the intent” - so I take that to mean you might need to demonstrate to them really clearly why you should be repayed with “the intent” of the APP Code Reimbursement thing.

1 Like

Unfortunately the scammers a soon we understand that it was a scam he deleted all the proves, we gave all we could to monzo, hopefully they will refund us, what it means the follow the intent?

It means that provided you can show that you had no reason to suspect it wasn’t HMRC until it was too late then you should be entitled to a refund

Although if Monzo believe you where negligent then they may not refund the money.

They may decide that you weren’t negligent but given they are not part of the scheme they may still choose not to refund. (I would suggest this is the least likely outcome based on what I’ve seen here, but this is just my opinion and by no means certain)


Hi sorry to hear what happened, I am the one posted Got Scammed £1,256 the day before yesterday and I managed to get a full refund. Sorry I couldn’t reply you earlier.

Here are the evidences I sent to Monzo fraud team:

  • Screenshot of the calling log with the fraudster
  • Fake message I received from the HMRC
  • Screenshot of the forwarded email with the magic link (the fraudster changed my Monzo email address by asking me to forward an email I received to them)

The fraud team also asked me few questions regarding to what happened, such as how did they approached me, how did my other bank get involved, what did he ask me to do and so on. Also questions like if I ever tried to challenge the fraudster or have I seen the warning banner on the email I forwarded to the fraudster.

I tried my best to make it very clear that I was not been careless and I challenged the fraudster many times but the fraudster outsmarted me and threaten me that if I don’t do what he tells me to do I will loose my money. I also stated that I have been under stress and I was trying my best to be careful, and I did not see the warning banner because it they fraudster was saying someone is swiping money off my account and he needs that email immediately.

I reacted about 2-3 hours after I transferred the money. But as long as you did not report this scam a week or a month later it should be okay. Just trying to explain your gf’s situation as she is foreign and do not know much about this hmrc and bank thing in uk, she was threatened that this could be some sort of legal issues and under a lot of stress because of it.

Hopefully Monzo can get your money back and everything will be okay!

1 Like

Thanks everyone for your help, we dealing with monzo, finger crossed :grin:


Thanks everyone for the support, today monzo refund us all the scam, you
Guys been very helpful
Hope good day to everyone


Great news! - Thanks for the update :+1:

1 Like