Well over a year and I’ve been using it as my main account for the past few months no issues ever 
same mad it my main account too and it’s been great
Your experience speaks for its self 
check out some other big banks trust pilot reviews they are also poor!
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I imagine because they are new they are a bigger target for bad behaviour
yeah that is very true. I think i’m just worrying a bit too much LOL
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So 1 of 5 people on trust pilot complaining about blocking account is …?
I think the main issue is that Monzo opens accounts for everyone.
They have to perform more checks before account opening
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You absolutely are 
If I trusted every review I’ve read, I wouldn’t be a customer with any company at all 
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yhh thats true
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TrustPilot rating is useless but you have to read reviews… and almost all 1* reviews are about account blocking…
If someone rated company 1* for late delivery or for not calling back I just ignore that reviews
It’s important to take a balance. The reviews that are in the mid range often provide the clearest picture.
If every single one was rated 5* I’d think there was something odd up.
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Younger people are more likely to be used as “money mules”.
Younger people are more likely to sign up for a modern app-based bank.
I had a look at some reviews earlier and a couple of them practically screamed out “I’ve been used as a money mule and didn’t expect to get caught”
There’s nothing inherently bad about Monzo, and they’re not doing anything wrong. There’s no reason why Starling couldn’t be being used instead. Indeed, maybe it is - Starling either pay for reviews or encourage their customers to submit reviews, which may be drowning out the bad ones to some extent.
So far Monzo have said they don’t want to beg their customers for legit reviews, but. It might be a stance that bears rethinking if the trend continues.
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We found some evidence before that pointed toward a co-ordinated attack. You’ll note that those reviews come largely from new accounts that don’t leave other reviews. To date, we’ve not felt the need to encourage satisfied customers to leave us good reviews, but if we need to tip the scales back at some point, we’ll do it.
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A post was split to a new topic: Removed Posts 27/10/18
Me too. Transparency on this issue would really help, as well as clarification on what could look from the outside as name profiling.
I mean, come on. Like a bank which has cost millions to establish and had to prove time after time to the Bank of England and other regulators that it’s responsible, is going to want to nick someone’s poxy £3,000. Don’t they realise the basic premise of their fraudulent complaints, that a British bank would ‘steal’ customers’ money, is utterly ridiculous?
These chancers have tried it on with Monzo because they’ve (wrongly) believed (or been duped) it’s somehow easier for them to fool a new bank, and the security isn’t the same as a High Street bank.
When fraud is the most common offence in the UK now, what we’re seeing is the back end results of where all that money needs to end up.
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This is my favorite one, 3 reviews listing every company possible including the police.
https://uk.trustpilot.com/users/5bd33a294de5666d34d96455
The person has left a full name which could easily be found by Monzo against a frozen account but if its not there they could easily leave a response saying they have searched for the reviewers name and there is no such account.
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I swear he posted the exact same thing on here.
He did. Last night. The topic was closed and hidden, for obvious reasons.
It’s also possible Monzo are just better at detecting certain kinds of fraud. Their machine learning article probably needs an update now as it’s mostly about topups, but assuming they’re applying the same kind of algorithms they’ll be pretty accurate by now (would be interesting to know what the false positive rate is now for example since ‘we ban only 1 genuine user for every 3 fraudsters’ is still a bit high).
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I think it’s that too. One of my best friends (Polish) had three cousins come over for summer work before Uni. Other banks rejected them because no proper address, Monzo didn’t blink an eyelid.
Whether you think it’s good or bad it’s so easy to open an account without stricter checks, it is going to lead to issues as per trust pilot/fraud accounts.
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