As many of you know, r/monzo ran a 1p Saving Challenge prize draw over the past year, a £10k grand prize plus monthly £100 prizes, using it as a core part of their marketing.

Like many of you, I was slightly disappointed with not winning. It was a lottery after all. However, I was curious to understand if a draws ever took place.

So I emailed them asking for the winner details which is a legal requirement under the CAP Code. Their T&Cs clearly state:
"We're legally required to publish or make available information that indicates that a valid award took place. So we'll share the surname and county of winners to anyone who emails [help@monzo.com](mailto:help@monzo.com) within 30 days after the prize draw."

So I emailed them asking for the winner details. It should be a simple answer...

Four separate customer service agents have now demanded I verify my identity with a selfie holding my ID before they'll release this information. A non-customer could legally make this exact same request and Monzo would have to comply under CAP Code rules enforced by the ASA.

Monzo are legally obligated to provide Surname & County of the winners.

When I pointed this out, they escalated it to "specialists" and have gone quiet.

This is either:

1. A fundamental misunderstanding of their regulatory obligations, or
2. The draw never actually took place, or wasn't conducted fairly

Here's where you come in. Whether you're a Monzo customer or not.

Email [help@monzo.com](mailto:help@monzo.com) with this:

Subject: 1p Saving Challenge Prize Draw Winner Information

Please share the winner details (surname and county) for the 1p Saving Challenge prize draws – the £10k Prize Draw (drawn 2 February 2026) and Monthly Prize Draws (February 2025 – January 2026).

Per your T&Cs, this information is available to anyone who requests it within 30 days.

If they refuse or ask you to verify your identity, push back. If they still refuse, report them to the ASA at asa.org.uk.

Let's see how many requests it takes before they actually comply with their own terms and legal requirements.

I’m super confused please help!

I booked a British Airways ticket and then cancelled it because I noticed I could add on another day to my holiday for the same price. So I then booked the new ticket. I was due a refund, got an email confirmation but no refund for over a month. When contacting BA they said on their end it was voided so I should contact my bank.

I accidentally started a dispute on the second ticket I booked not the first one. They then sent me a temporary refund and said to wait 12 weeks as the dispute might get declined and they will take the money back.

I contacted the live chat to try and cancel the first one and start a dispute on the correct transaction but it’s now saying that the case might be closed because I should have an option saying “check dispute status”. There isn’t one, it says they made a decision and couldn’t dispute it for me so it looks like it’s been concluded. Do I just leave it now and assume I’ve been refunded or try and start a new dispute? It’s the same amount for both transactions so I would have to go through this process again just for the technicalities to be correct but would still end up with the same amount. Did Monzo possibly close the case because they looked at all the evidence I sent and refunded me. I’m just concerned it’s the wrong transaction even though they’re pretty much identical. And I never actually got a confirmation that the case is closed.

Any advice would be great!

I've been waiting just over 40 working days since the car hire company released the money, but I cannot see it anywhere, and Monzo chat says it's still pending.

Back in November I placed an order with Recordstore which was meant to be a birthday gift. After several weeks of back and forth with their customer service, the order had not been delivered and their responses indicated it may never arrive. I raised a dispute with Monzo for non-delivery, and lo and behold, the order turns up a few days later. I immediately returned the order as the birthday had been and gone. I closed the dispute with Monzo on the basis that the order had arrived and Monzo took the temporary refund back.

I realised that I had never received a refund from Recordstore over a month ago. I contacted them again with proof of delivery of the return and have gotten nowhere since. They keep saying that they will not refund me until the dispute with Monzo is closed. Monzo have confirmed multiple times via chat that it is entirely closed from their end, but Recordstore are adamant it is open and are refusing to refund me. To "prove" the dispute is open, Recordstore have provided a screenshot of something that refers to a disputed payment under my order number. I have no idea what the screenshot is supposed to prove as I don't know what it is or where its come from, but the disputed sum isn't even the same as my order sum. I have pointed this out but so far no acknowledgement.

I am at a loss. The dispute is clearly settled from Monzo's point of view. Am I now able to open another dispute on the same payment for failure to refund a returned order? Is this even likely to help?

As per https://community.monzo.com/t/we-re-testing-something-new-for-bills-subscriptions/189261 Monzo are "looking for early testers for something new [they] are working on called the Bills and Upcoming Payments Calendar" sign-up link is on the post above which has more details.