Just happened to me also, £84.89 to Tik Tok. Luckily it asked for me authorisation.
Also had several more from: Band For Today and Promosive - tried in USD
Hi 
I’m Ashley and I’m Monzo’s Director of Fraud and Disputes.
Thanks for sharing all of this detail - we really appreciate such an active community; it helps us to respond quickly to emerging fraud attacks like this one!
We do have to be cautious about what we share on ongoing financial crime investigations - but to reassure you, we are on it. We’ve already deployed some changes to keep our customers safe, and we’re closely monitoring to make sure that we’ve managed to close this threat down. I know the fraudsters are busy working on new attacks - but our team is constantly countering them.
If anyone needs help - please do reach out to us through the app as usual. The team is here for you.
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Thanks @AshleyH and I appreciate the response, appreciate too you can’t go into detail.
If at all possible, would be really great to hear how you dealt with this once resolved, if that’s something you are able to share
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My account was hacked, I awoke to Tiktok payments draining my account. Reported immediately and froze my card. Had a quick google and this seems to be a problem for a lot of Monzo customers. So far, 4 days since I reported, not a single word form Monzo. I have called twice to be told to be patient and await a fraud investigation. No word from customer services, other than it shouldn’t take more than 24hours. Last week of salary month, I have no funds in my account and still waiting to see when Monzo will repay the amount stolen from my account.
Imagine if I had entire salary, I would be in serious trouble and this experience will put me off ever using monzo again. Warning to you if you have salary paid directly into account, if you’re fleeced, Monzo could leave you stranded as they have with me. Resorted to leaving bad feedback on Monzo facebook and someone writes to me immediately with a “So sorry, please be patient” email. Awful!
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Hey @pie.ironside - So sorry to hear that this has happened! May be worth adding into the below, as others have this problem too.
Unfortunately we are just customers here - so reaching out to Monzo (as you have) and via help@monzo.com is the only course here.
CC: @AlanDoe
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Thanks JIMMWX,
I seems adding negative feedback on Monzo a Instagram was the trick. Complained there and someone got back and finally refunded the stolen funds. Must say, experience was exhausting and won’t be able to trust Monzo with my money loving forward.
Thanks for the advice!
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You do know it’s not a monzo issue, but a global problem?
Fraudsters have machines and coding that can generate card numbers so fast, and if their machines hit the 535522 starting digits it’s going to rinse monzo cards, the same if it hit 4129 85 it would hit MBNA etc (however the machine decides to work).
This can happen with any bank, at any time.
Fortunately monzo got your money back to you, so if that doesn’t maintain trust I don’t know what does. They could’ve said nope, your problem, don’t be reckless.
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You give gifts to people which then can be cashed out for money, so you can see why a fraudster would use tiktok. Buy gifts with random people’s money, gift your other tiktok account, cash out that money. Tiktok get a certain percentage, you take the rest to a bank account of your choosing
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Lol, Don’t be reckless?
As I have seen this is an issue with other Monzo users, I would say Monzo is reckless with their security. As the funds were stolen through no fault of my own, my only concern was that it took Monzo 4 days to reply and only replied after I left bad feedback on their Insta profile… no luck otherwise.
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They could’ve said nope, your problem, don’t be reckless.
Think I’m echoing other responses here but 99% sure they can’t do that. Banks are liable for fraud when the fraud is from the bank network and not something the user has instigated (eg: given payment details, performed a push payment, written their PIN on their card etc)
Pretty sure new guidance is that “cardholder not present” (CNP) transactions should be challenged by the bank (usually with a PIN / biometric response in the app)
I think the OP’s original complaint of 4 days seems to be a reasonable complaint - I think anyone having money stolen from them is going to be frustrated with having to wait that long to get it back with little / no feedback. Not sure how other banks fare here. I’d suspect they’d also be pretty bad (especially given the “no tip-off” compliance rules that mean banks usually maintain radio silence while an investigation is underway)
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It’s not your fault and it’s not Monzos fault. It’s fraud. Until you reported it, they didn’t know it wasn’t you spending that money.
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No, but random generators could work in this way.
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I too have woke up this morning to having three attempts of taking money from my account all TIKTOK and I’ve had two card checks from companies I know nothing about which is very worrying. I’ve tried to contact Monzo team and had no joy I’ve reported it to fraud but again had no help. I have my card so don’t under stand how these people have got my details for my account. How can this be stopped because I’m very close to closing the account down.
You’ve done what’s needed, reporting the transactions sends them straight through to the correct team, without needing to start a chat. Once they’ve investigated and found in your favour, you’ll get a notification that the transactions have been reversed.
Fraud can’t be completely stopped at any bank, all you can do is freeze your card when you’re not using it. Transactions will always slip through, try not to worry too much. All banks have processes in place where they’ll investigate and then refund fraudulent transactions.
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Everytime you use your card you’re giving your details to someone. Sometimes those people don’t look after them like they should.
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The same way people get your email address. Leaks and guesswork.
Many years ago now, I worked for a call centre, where it was discovered that two employee’s were writing down card numbers given, then selling them on afterwards. Unsurprisingly, they soon implemented a system that blanked out the card number so that it wasn’t visible to employees.
So, one route to watch out for in terms of potential fraud (I’m not saying that is what has happened here, btw)
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The local Chinese takes phone orders and pay by card, I’ve heard them repeating the number back to customers many a time.
Even better that I hear them confirm the address too! 
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Once my wife’s card was (we concluded) cloned at the local Coop. The bank refunded the fraudulent charge and gave her a refund straight away.
That’s another way it could happen. There are also mini-skimmers that attach to ATMs and copy your card details as you push it in the slot, without you realising.
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