Published decisions
2,571
Firm-specific decision volume in the public corpus
Firm analysis
Monzo Bank Ltd complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Monzo Bank Ltd, including outcome context, product mix, complaint themes, and representative cases.
Upheld rate
38.1%
979 upheld decisions
Page summary
2,571 published decisions involving Monzo Bank Ltd, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
2,571
Firm-specific decision volume in the public corpus
Upheld rate
38.1%
979 upheld decisions
Latest published decision 17 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
2,571
Firm-specific decision volume in the public corpus
Upheld rate
38.1%
979 upheld decisions
Leading product
Banking and Payments
2,497 decisions
Leading complaint theme
Fraud Or Scam Concern
1,550 tagged decisions
Monzo Bank Ltd at a glance
AnalysisMonzo Bank Ltd appears in 2,571 published decisions in this corpus. 38.1% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and Payments is the firm’s clearest product exposure in the published decisions, with 2,497 decisions and an upheld rate of 38.0%.
- Latest active year in the published data: 2026 (54 decisions)
- Most common complaint theme: Fraud Or Scam Concern
- Most common precedent signal: Payment Services Regulations
Volume and outcome trajectory
AnalysisMonzo Bank Ltd's decision trail runs from 2018 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Monzo Bank Ltd appeared in 54 published decisions with an upheld rate of 14.8%.
- 2026: 54 decisions, 14.8% upheld
- 2025: 942 decisions, 24.8% upheld
- 2024: 745 decisions, 50.5% upheld
- 2023: 374 decisions, 49.7% upheld
- 2022: 277 decisions, 46.2% upheld
Themes, products, and precedent signals
AnalysisFraud Or Scam Concern is the strongest complaint-theme signal tied to Monzo Bank Ltd in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Payment Services Regulations, Consumer Credit Act 1974, Section 140a Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and Payments: 2,497 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-558715017 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
I’ve decided not to uphold Miss B’s complaint about Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss B to accept or reject my decision before 14 April 2026.
View source decisionDRN-592112117 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
For the reasons above, I have decided not to uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss J to accept or reject my decision before 13 April 2026.
View source decisionDRN-599657417 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
I am not upholding this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D to accept or reject my decision before 14 April 2026.
View source decisionDRN-612140217 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
For the reasons I’ve explained, my final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss G to accept or reject my decision before 14 April 2026.
View source decisionDRN-618264417 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs L to accept or reject my decision before 14 April 2026.
View source decision