I haven’t come across it being something that we have rejected a sign-up on. I can look into it and get a definitive answer for you, but likely won’t get an answer until tomorrow.
Please seek some help, even if it’s the Samaritans or something for a chat in the meantime
thank you that would great, I really appreciate it. and any help you could give me with this information at all would be a great help no matter how long it takes.thanks again
If you do get an account Monzo are one of the very few banks that I’m aware of that have a vulnerable customers team. They can help customers in all sorts of situations by making bespoke changes to the app/services that you get to make your life easier
Sorry to hear that. As someone who doesn’t know you or your circumstances, I probably don’t know how bad you feel at the moment. But as someone who has been through bad times with money and had to wait over 6 years to get rid of all the markers and stigma, I’d say that it’s not as bad as you think.
During the time I felt really low, but looking back it was stupid. Whatever you did will be forgiven, creditors soon forget and loved ones might seem angry with you but blood is thicker than water and if you keep trying to be the best person you can be you will be happy and have a successful life.
Monzo is a member of CIFAS, however it does not check the Fraud Database.It only has Immigration portal access, unless that has changed recently. That is why it opens accounts for everyone. It will obviously check your credit record, and like has been said, they haven’t refused an account so far, because they can offer an account with no credit, so to the bank there is no risk.
My friend signed up for a Monzo account 2 months ago after he was referred to get one due to having the same problem as you. He was accepted the same day so you should be fine.
Because Monzo has limits on how you you can use your account (to minimise fraud risks) they only run soft checks to check that it is actually you signing up for an account and that you or your details aren’t being impersonated.
If you can’t get a high street bank account at all I’d recommend you choose this one. It’s the best online bank imo and has the same features as a HS bank (direct debits, instant payments, acc number/sc, online/otp helpline and fscs protection) majority of online banks would either not offer everything or charge for these services.
Yo I’m in the same situation and I really need to speak to someone who’s been through this just so I can go down the right path, I would’ve DMd you but I’m not a high enough level
The official advice is to apply and if they need any more info they will contact you. Of all the threads i’ve seen on this nobody has come back and said they were refused an account