Get through to Monzo without the hold queue
Monzo was built to be run from the app, and the phone line reflects that: it exists for emergencies and lock-outs, and it won't share account details over the phone. For most things the in-app chat is both the intended route and the faster one.
Monzo customer service
0800 088 4040- Opening hours
- Urgent problems 24 hours; everything else 7am to 8pm, 7 days a week
- When you ring
- Monzo says there are things it can't do over the phone, including sharing account information.
- Worth knowing
- Monzo is app-first and says so. The phone line is for urgent problems and for when you're locked out; account questions go through chat in the app.
Other lines
- From abroad+44 20 3872 0620
Number checked against Monzo's own site on 10 October 2026. Free to call from UK landlines and mobiles.
What HoldMyCall does on a Monzo call
- 1
Dials and waits
It rings 0800 088 4040, works through the menu and sits in the queue for up to an hour. You get on with your day.
- 2
Has the conversation
It introduces itself as an AI assistant calling on your behalf, gives the details you provided when asked, and keeps asking for the outcome you wanted.
- 3
Reports back
A summary, whether it got what you asked for, any reference numbers, and the full transcript and recording. If they insist on speaking to you, your phone rings and one keypress joins the live call.
Things people ask it to sort with Monzo
Get back into a locked account
“I'm locked out of my Monzo app and can't get in on a new phone. Find out what I need to do to regain access.”
Chase a disputed payment
“I raised a dispute in the app three weeks ago about a payment I didn't make and haven't heard back. Find out the status and when it will be resolved.”
Chase a complaint
“I complained a month ago and haven't had a final answer. Find out the status and the expected date.”
Have these ready
Whether you ring or the assistant does, Monzo will want some of these before they will talk about your account.
- The phone number and email registered on the account
- Your card number, if you have it
- What's happened, in a sentence, with dates
Save them once in Settings and every call starts with them filled in. The assistant only gives a detail when it is asked for it, and it is hard-coded to refuse payments and contract changes.
Other ways to reach Monzo
You sometimes get an answer faster by another route. These are the ones Monzo publishes.
- Chat in the app, under Help
- Email help@monzo.com if you can't get into the app
- Email complaints@monzo.com for complaints
- Post for complaints: Complaints Team, Monzo, Broadwalk House, 5 Appold Street, London, EC2A 2AG
If Monzo won't sort it
Complain in the app, by phone, by email or by post. Monzo acknowledges within 3 business days and gives a final answer between 15 days and 8 weeks later, depending on the complaint.
Financial Ombudsman Service. Free, after the bank's final answer or once 8 weeks have passed without one. You must go to the ombudsman within 6 months of the final answer.
Banks run security checks before they discuss an account. If they won't go through security with the assistant, it can ring you and bring you into the call to do that part yourself.
Let it ring Monzo for you.
First 5 calls are free while we're in beta. The assistant never pretends to be human, and every word is yours to keep.