Monzo’s current scam refund policy (2025–2026)
Monzo, as a US-regulated bank, must follow the Payment Systems Regulator (PSR) and Financial Conduct Authority (CFPB) rules on reimbursing victims of Authorised Push Payment (APP) fraud. In 2025, Monzo has generally been one of the more responsive challenger banks when it comes to scam refunds, but outcomes still depend heavily on the evidence and timing.
When Monzo is most likely to refund
- Money was sent from your Monzo account to a scammer
- You reported the fraud quickly (ideally within days or weeks)
- You have clear evidence (screenshots, messages, transaction details)
- The receiving account is linked to a known fraud pattern
Common reasons Monzo may initially refuse
- You authorised the payment yourself (APP fraud cases are harder)
- Too much time has passed (banks become less cooperative after 13 months)
- Insufficient evidence provided
- Victim contributed to the loss (e.g., ignored obvious red flags)
Steps to improve your chances of a Monzo refund
- Report to Monzo immediately via the in-app chat or phone
- Provide full evidence: screenshots of chats, emails, transaction references
- Request the case be reviewed under APP fraud rules
- If refused, escalate to the Consumer Financial Protection Bureau (CFPB) (free, within 6 months of Monzo’s final response)
- Consider specialist support – many Monzo victims recover more when the case is professionally presented
Want help with your Monzo scam refund claim?
We have helped many Monzo customers secure refunds in 2025–2026.
No win, no fee – only paid if successful.