Switching to Monzo and Direct Debits

I’m going to do it… are we 100% sure this wont cause me to miss direct debits? I have credit card payments setup, car insurace, vehicle tax the lot… and missing one of those payments would be really bad. Is this 100% fool proof or do I need to tell these companies about the switch? will Monzo automatically close my current bank account as I would like to leave it open?

If you do a CASS, your old account will close when it’s completed. Monzo will automatically bring over all your Direct Debits though.

If you want the other account to remain open, you’ll need to switch everything over yourself, manually.


The Switch Guarantee means that your new bank or building society will:

  • ​Switch your current account for free

  • Switch your account on a day you choose

  • Move all of the payments, coming in and going out, from your old to your new account

  • Transfer your balance from your old account on the switch date you choose

  • Redirect any payments accidentally made to your old account and get the sender to correct your details

  • Refund you for any interest or charges incurred as a result of your switch

Your account will be automatically closed after the switch is complete.

Monzo in the past did offer a partial switch which allowed you to transfer Direct Debits and keep your old account open but it didn’t come with a guarantee and the redirect and some merchants were pretty terrible at acting in a timely manner so payments would fail.

The full switch has the guarantee and redirect fallback. :+1:

I’ve gone the manual approach, on the phone right now changing the details with companies, I’m on my last 1… surprinsingly I dont have as many as I thought. Just need to move my money to my monzo now really


Nice. Yeah it’s not too much hassle to do it manually. Especially when you can do it online/over the phone.

You’ll get notifications within the next few days from the Monzo app to say the DDs have been set up. :sparkles:

Never had any issues with Direct Debits when I Cass’d to Monzo :slight_smile:

Manual can be done easily, but takes time. If ever there’s an automated way with a guarantee you should always do that. Worth it for the redirect also, in case any refund/payment hits your old account in the next year or so and gets redirected to your new one.

I went full monzo but my salary hasn’t transferred, please help what do I do??

Have you done a “full switch” in the app? :slight_smile:

If so, there is no need to worry and everything will redirect automagically.

If not, you’ll need to provide a few more details or chat with us in the app so we can help! :raised_hands:

Hi, yes I did a full switch with the app

Then, with the caveat that I haven’t seen your account, everything will transfer over and any payments will be redirected :slight_smile:

If you’re in any doubt then do chat with us in the app, and we can take a closer look :mag:

How long will it take to redirect as my salary is due today? Thanks

Redirection is instant but “due today” can mean many things. Most salaries are paid by Bacs which is a three day cycle. If your employer submits the file today, you will see it show in your app as upcoming tomorrow. If they submitted it yesterday (Wednesday), you will see it show as upcoming later today :slight_smile:

OK, thanks

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Depending on your employer, you may have to submit a form to get them to change your bank details on payroll --I did. They may also have a cutoff, after which changes to your pay arrangements will take effect the following month.