Re-joining Monzo after 3 years absence

If I’m honest, you haven’t been that clear with your posts here.

Hopefully if you get to speak to someone on the phone they’ll be able to understand and help you.

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How is my first post not clear?

And if it helps the not so helpful on here, here is an extract of what I sent to the help desk.

2019 (May) - an account was opened - it did not meet my needs at the time and so was closed.
2022 - I sought to open an account as your services are more aligned to my needs now. I downloaded the app to start the application process but the system will not let me complete an application as it says my mobile number is already in use. (Step 2 of the application process). I can only conclude my mobile number is still in your system from 2019 and is blocking the process. I have asked for this link to be resolved so I can apply for an account.

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If you’ve specifically requested this, hopefully someone will get back to you in time.

You do mention this has been passed to the advocacy team so 4 working days from the date the cop informed you. :crossed_fingers:t3:

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Your posts just seem a bit all over the place.

Everyone has tried to help you, I gave you all the info in the first reply to you. You’ve had a Monzo employee try and help you and now you’re claiming people are unhelpful?

I suspect that’s the case too, hopefully it will be easily resolved once the right people look into it and realise that all is needed is for the number to be de-linked - which we know, from the experience of other customers, is possible if you get through to the right people.

The customer advocacy team would seem to be those correct people, so I would expect them to eventually resolve this.

That’s a bit harsh, all of this could have been avoided if first-line support correctly understood the query and escalated it immediately. Unfortunately, they didn’t, which seems to me to be due to a hasty reading of the OP’s question and consequent misinterpretation of what was actually being asked.

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Unfortunately, I am having the same issues as you! I had an account back in 2019 and want to get it re opened, but received the following response:

As you already had an account with us, we would look to reopen your previous account of yours rather than opening a new one for you.

However, currently we are no longer re-opening closed accounts and therefore we can’t offer you an account .

Once this changes we can then look into reopening your account, but unfortunately I am unable to provide a timeline of when this will be.

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How bizarre!

I’ve never heard of any other bank doing this before. As far as I’m concurred, it’s usually always the case that once an account is closed, it’s closed for good and you can never get that account number back.

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This is true in most cases, Monzo was a first for me :sweat_smile:

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Given that’s the case, customers would “assume” Monzo would be the same.

If this is a genuine change of policy, it is a major one and should be communicated to customers.

That’s such a weird response. ‘What we’d look at doing is this thing we don’t do’

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I agree, it reads very strangely and is one reason why I’m just not convinced it’s right.

The other is, like I said, every other bank closes accounts “forever”, so it would be strange if Monzo were different.

Is this simply COps not understanding the request or something else?

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Seems to be missing a word like ‘normally’ or ‘usually’ after ‘we would’.

I suspect Monzo used to re-open closed accounts because their modern tech stack made this easy to do (compared to mish-mash tech stacks at legacy banks which made it difficult to impossible).

Why they’ve paused doing this, your guess is as good as mine. It could be there’s an internal review on the best way to handle things. Or, possibly, it could be the FCA have doubts over whether it’s appropriate to re-open closed accounts and have had a quite word/are investigating.

I suspect we’ll never actually know why, in an case, as this is an area which doesn’t pass the criteria/restrictions relating to ‘default to transparency’.

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So why can’t/don’t they just open a new account?

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Oops. Thought I’d theorised this part in my previous post also, but must have deleted the paragraph to redraft and then posted without it. Here’s the missing bit:

That Monzo won’t de-link a phone number so a customer can apply for a new account is probably because Monzo have decided to wait until any investigation (be it internal review or FCA) has come to a conclusion. Certainly in my own (completely different) line of work, it’s not unusual for a review of a procedure to be accompanied with a message to not carry out processes relating to said procedure until the review is finished and the right processes have been decided.

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I don’t think you can meaningfully say you usually do something that you also say you no longer do.

At best you can say it’s what you used to do, but that’s pretty irrelevant to a customer asking a question today no?

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That’s why I think it’s under review rather than completely cut off. If it has been cut off, surely you’re just going to say it’s not possible. But because the reopening procedure is mentioned, it indicates it may be possible again in the future. Otherwise, as you say, why mention it at all?

Put it another way, it’s saying “Sorry, but try again later” rather than “Go away forever.” (And maybe later it will be “Go away forever”, but equally it might be “We’ve sorted everything out and we will (reopen your account/delink your number so you can apply again)”

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I guess I just don’t understand why they wouldn’t be (even temporarily) just opening new accounts then. It can’t be overwhelming numbers trying to reopen accounts. Every other bank can do it. Even Starling (after I think 6 months).

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Starling is a year, tried and tested :sweat_smile:

As for Monzo, I couldn’t see any specifics around why we aren’t reopening.

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It must’ve changed fairly recently because I re-opened mine backend of February :grimacing:

Or maybe there are underlying reasons.

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if this is the new policy then there needs to be a big banner warning you when you close your account. “If you do this, it’s permanent, we won’t re-open your account or let you open a new one in future”.

It’s unfair without any warning.

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