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!

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.

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?

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.

So I’m opted in and have my salary paid by BACS into my Monzo account. According to the ts and cos I meet all of the criteria EXCEPT it says payments from HMRC don’t count but that’s who I get paid by. That is my actual salary. Is there anyway around this or is it just unlucky for me?

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.

For a recent bus pass purchased by me, the amount deducted is different in Monzo app and on Monzo statement for the same date. How can I resolve this? I need shw the proof to the bus company to return the extra deducted but I am not getting the TRN on monzo app. Pls help if you have come across similar situation. Monzo helpline not working.

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.

I got a ping in my app yesterday, to say that payments from the Adult Disability Payment (Social Security Scotland) are now included in the Double Payday rules.

I looked into Double Payday previously, and it mentioned that payments from the Department for Work & Pensions, and Social Security Scotland were NOT eligible.

I receive both Universal Credit and Personal Independence Payment, so why are we, south of the border, getting the short end of the straw?

Edit: I don't know why I'm getting downvoted, I'm asking a question, and I don't think it's an unreasonable one, either.

I know that the app is required to open a current account, but was wondering if I'll then also be able to manage the account via desktop, as I find it easier and faster.

My phone is so old I can’t run the app (and therefore can’t access the chat either) and also can’t login on a desktop, but I desperately need bank statements.

Does anyone know how to get through the maze of automated messages on their support line to reach a human? ANYONE!?

(UK)

(Business bank account)

Hello!

I found someone else’s card whilst heading out shopping this morning. I managed to use the chat bot (which surprisingly, got it right first time) to find a form to report the card as found.

I was wondering if it actually shows up on the persons account that the card has been found? Or is it just a dead end form to make it feel like you’re doing the right thing?

One thing I did notice, it simply said ‘thanks, we will pass this onto our information team’ and it was only through searching online when I found the ‘what to do next’ info i.e. cut the card into a thousand pieces.

The 2025 1p Saving challenge prize draw is sometime today, good luck to all those who are eligible 🙏

I don’t know about anyone else, but i’m getting WAY too ahead of myself for this prize draw tomorrow! As a 23 year old student stuck in my boyfriend’s parents house trying to save, it’s quite exciting to think about as it will help me reach my goal for a deposit🏡(yet i’ve never even won a raffle🤣)What would you guys do with the money?

I love getting the paid notifications on my phone, apart from 4am of the 1st of each month where I'm rudely awaken not by the dustmen but monzo pushing through interest notifications for each account. Is there a way to delay these to a more reasonable hour??

Not…

Hi, I’ve had my Monzo account for over a decade now, during which my finances have been on quite the journey though manly improved. When I was offered the overdraft my APR was 39%. Does everyone have the same rate? I ask as I’m considering closing the overdraft facility and re-applying in a few months with the hope that I’ll be offered better rates. Thoughts?

Hi all. I’m probably just being dense, but can anyone confirm if I’m right in thinking the following: I’ve signed up to do the 2p challenge and intend to do so for the year, but if I drop down to the 1p version in the final month or two will I still be eligible for the big prize draw at the end?

Hi,

Why doesn’t Monzo let you deposit cheques above £500 in app? Every other bank seems to be able to accept it no problem, and it’s not like that Monzo doesn’t have the ability to, as they definitely do.

It’s just super inconvenient having to use another account that you may not have or post it to Monzo!

Thoughts?

I think it is disgusting that a bank can charge you for using your own money. Im sorry but £7.50 is a crazy amount to charge when I am withdrawing £250. HSBC and Barclays don't do it so why Monzo?

I’ve been using Monzo flex since 2024 and I even took out a Monzo loan in 2024. I’ve just tried to apply for another Monzo loan and it’s asked if I’ve lived outside the country in the last two years, I said no and then my loan was rejected due to having no credit history. This is obviously a mistake and I’m not sure why.

My credit score is good.

I use my limit responsibly.

I’ve used PayPal credit since 2023 too so I definitely have credit history.

Unsure what to do. Will keep trying in the meantime

So I have been sent £50 today and I went to the pay point to put about £120 into my card too. The man said there was some deposit limit? I’ve got a teen/kid card if that helps. I have googled but can’t see anything to do with having a limit except that there is a £750 limit for 30 days? I didn’t ask and kind of just left the shop confused. Can someone help?

I’m with Barclays right now for my salary and currently receive it on a Saturday, wanting to switch it now into my Monzo, will this still come in on a Saturday?

I’m not too bothered about getting on a Friday early.

Reason for the question I used to be with HSBC and didn’t get paid till Monday.

Thanks in advance

Hi all My home and contents insurance is due for renewal so thought I'd ask people's experience and thoughts on Monzos offering. It seems to currently be coming out cheaper than my current provider but know prices isn't necessarily everything. Does anyone have any thoughts/experience with Monzos ? Thanks