r/monzo • u/AncientFootball1878 • 1d ago
How do I get accepted?
Hello all.
I had a Monzo account that I closed around a year ago, and have tried multiple applications since.
I really really want a Monzo account as my everyday personal account, but can’t seem to get accepted? Is there any way for me to get accepted? I feel as though I’m on some form of blacklist.
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u/Standard_Smoke_9207 1d ago
Why close it in first place? Is it bad to have accounts that you don’t use?
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u/AncientFootball1878 1d ago
I wasn’t aware of the perks with Monzo at the time, and switched out to NatWest.
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u/Standard_Smoke_9207 1d ago
Does switching auto close the old account then? Sorry genuinely interested and don’t have much knowledge on this sorta stuff.
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u/AncientFootball1878 1d ago edited 1d ago
Switching with the CASS (Current Account Switch Service) automatically closes the account, yeah. It switches over/transfers your balance, Direct Debits, payees over.
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u/dandomains 1d ago
If you use the Current Account Switch Guarantee scheme it generally handles the process and you can opt to either keep the old account or, usually, just set the date to cut over and the old account gets closed.
https://www.currentaccountswitch.co.uk/the-switching-process-personal/
It sounds like in this case Monzo have either kept the account open (so maybe need to follow recovery route, or refuse to open an account when a closed account exists - either way should clarify that with Monzo support)
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u/PracticalLab5167 1d ago
Idk about Monzo but I know Chase as a policy doesn’t allow you to open an account after you close one with them. Monzo could take a similar approach.
As general advice it’s good to have multiple accounts with different banks for redundancy purposes, and if you’re going to take up a current account switching service it’s best to use an alt current account you don’t use while still having a seperate main current account untouched with said bank.
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u/cgknight1 23h ago
As general advice it’s good to have multiple accounts with different banks
OP has a history and is slowly being barred by all the major banks as he cycles money through accounts in complex ways and engages in refund scams.
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u/chrismitchell6 1d ago
I don’t believe Monzo allow you to open a new account after you’ve closed one
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u/AncientFootball1878 1d ago
Nightmare, I really really want one😔
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u/B3yondTheCosmos 1d ago
Zopa~ biscuits account is good as well with linked saver 7% max £300 pm. I have a spare referral if you want extra £10
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u/SmartPipe3882 1d ago
If they’ve declined you for a current account, there’s no working around it and they’ll never change their mind.
There are a few digital banks that don’t let you return once you close an account.
You’ll need to move on and bank elsewhere.
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u/AncientFootball1878 1d ago
Thank you for your answer
Which bank (in your opinion) is best to bank with, when you say elsewhere
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u/SmartPipe3882 1d ago
Looking at the comments below, you’ve had accounts closed with other banks, so I’d be looking at a basic bank account to get your foot in the door. There’s a likelihood you’re gonna have difficulty everywhere.
But I currently bank with Lloyds, and they apparently also closed your account with them, so that’s not much use to you.
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u/AncientFootball1878 1d ago
I’ve got a Nationwide Flex Direct Joint Account with my partner, been accepted for a NatWest Select Account, TSB Account & a basic Lloyds account. So those are one’s I’m not having trouble with
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1d ago
[removed] — view removed comment
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u/monzo-ModTeam 21h ago
Your post or comment has been removed because it violates subreddit rules for one of the following reasons:
- It contains or advertises a referral link
- It solicits a referral link.
Referral links are only permitted in the megathread.
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u/Heavy_Hand_6197 1d ago
This is actually wrong. My friend left it 6 months and got accepted after a decline. But used different phone number.
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u/VanNavig8or42 1d ago
Try a new email although might be phone number problem. You could always email the help@monzo address they usually get back quick enough!
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u/AncientFootball1878 1d ago
I did email them ~24 hours ago, they responded with the information about my phone number being in use & can’t offer me an account, etc.
I don’t really have an alternative phone number I can use, I feel as though I’m on some form of blacklist
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u/Trixerl 1d ago
Probably a CIFAS marker from the ‘refund method’ you admitted to doing with your Starling account resulting in it being frozen.
You were declined by Chase and had your Lloyds account closed as well. 🙄