Waiting for my Monzo Card

(Marta) #36

I’m not sure if temporary address in UK is enough to get Monzo (and I’m not Monzo employee so I can’t really advise!).

I would recommend emailing help@monzo.com and explaining situation, they can fix your address and/or explain if you can get Monzo account.


My understanding was you have to be resident in the UK. That does not mean popping over on holiday or a business trip, or having friends or family in the UK and pretending you live at their address, or some hotel or motel.

(Marta) #38

@anon44204028 I’m focusing on best advice that won’t be an assumption, a guess or simply misleading. Since I’m not Monzo employee, my best recommendation was to speak with Monzo directly.

(Marta) #39

I asked @RichardR, he confirmed "The only hard rule is that we send the card to a UK address.":slightly_smiling_face:

@nwmalik my suggestion seems to be solid, please get in touch with help@monzo.com :slight_smile:


While the Monzo FAQ on their website is very vague and does not give details, the processes they use to ensure KYC compliance entail checking various UK based sources to prove your ID and residence. They do not check foreign databases nor do they use companies like IDnow so they do not have adequate systems in place to ensure KYC compliance for non-residents. However they have plans to use a similar company when the current accounts are launched so this will enable them to expand what applicants can be accepted in future.

Also the card is currently run under an agreement with Wirecard and while that agreement contains age restrictions it could potentially contain geographical limits too.

Various staff like Naji have said before to interested enquirers from outside the UK that they can not get a card and will have to wait for Monzo to expand into other countries, so just having a holiday for a few weeks here does not legally alter the position that they are not UK resident.

Granting a card to anyone who provides a UK address makes a mockery of the current restrictions as any holiday maker or anyone with a friend here could apply, yet up to now there have been restrictions if for no other reason than to control the quantity of applications.

There are also national and international embargos on the provision of financial services to citizens and residents of certain countries and Monzo will have to have systems in place to ensure that compliance prior to changing their current UK only rule.

Monzo have even been strict in their interpretation of UK before with some discussion of weather to extend the right to get a card to people in the Crown Dependencies. They would not have bothered with that discussion if they were freely dishing out cards to non-residents


Here are other posts confirming it is UK only

(Alex Sherwood) #42

I asked the KYC question too & was told by the team that as long as the user has the required ID (+ as Marta’s shared, they have a UK address to send the card to) then they can apply for a card.

Passing Know Your Customer tests
(Alex Sherwood) #43

My post there explained what users should see if they download the app & open outside the UK but not what Monzo’s criteria for a Monzo account actually is.


but if it is not an address they are living at but say a hotel how can they enter a contract at that address and potentially be served legal documents there by Monzo.

(Marta) #46

I’m not trying to debate logical reasons you just put.

All I’m saying, that neither you or I are Monzo employees, so we can’t solve this problem for user. We don’t know anything about user, who maybe lived in UK for some time before and only recently moved out? User can live in X country, but have nationality of Y country?

To avoid user interrogation on forum and trying to guess solution (and potentially be wrong!), the only outcome is to suggest contacting Monzo directly. If this was about ‘what are my limits’ or ‘how long do I need to wait’, we (users) do have means&knowledge to help directly, but certainly not in this case.

(Alex Sherwood) #47

This isn’t a debate, this has been confirmed by the Monzo team -


By obtaining a card you are entering into a contract and agreeing to the terms and conditions as published on their website. If a bank needs to contact an account holder due to non-compliance with their terms or is obligated by the regulators to put something in writing then they need an address. They can’t send documents out to an address where they will just get returned.

They may get away with poor systems and approving people they can’t verify in the UK with their prepaid card but will need to tighten up when full bank accounts launched. Otherwise money laundering could easily be done by people setting up accounts with motel and b&b addresses

(Marta) #49

@anon44204028 You’re going a bit too far, we’re not arguing about who should/shouldn’t be able to get Monzo account. Alex or myself are not saying ‘anyone can get a card’, so throwing those arguments serves no purpose because we don’t have a different opinion than you. Compliance is important, we want Monzo to succeed. :smiley:

We are just messengers who passed knowledge from Monzo and further directed user to speak with Monzo support. What happens after that is private discussion and certainly Monzo won’t make a decision that could potentially hurt compliance.

That concludes discussion from my side, thanks! :slight_smile:

(Bob) #50

In my experience (two international housemates) all you need are a UK phone number, a UK address, and any acceptable form of ID for verification to get a Monzo Prepay card.

(Alex Sherwood) #51

I’ve just checked & Monzo will accept international phone numbers, as long as you enter the international prefix.

(Stephen Richard Trevett) #52

Hi. Sorry this is not the right place to ask this but I seem to have an account but don’t know how to get a card. The app seems to have got stuck in an endless loop asking for my email address. Any assistance appreciated.

(Adam) #53

Hi I don’t see how I’m meant to receive a monzo card. Haven’t been asked for an address line and I can’t find where it says to order card either.

(Adam) #54

How do I get a monzo card. Where do I give out my address to receive a card and how do I get one

(Marta) #55

Hmm, I can suggest uninstall and install again, see if it helps? Some awkward loops seem to happen, so that’s usually recommended first step! :smiley:

( related to Monzo CEO, Investor in Monzo ) #56

have you been informed in the app that you have reached the top of the queue and to top up with your initial £100 ?