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.

Page summary

2,526 published decisions involving Monzo Bank Ltd, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

2,526

Firm-specific decision volume in the public corpus

Upheld rate

38.5%

972 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

2,526

Firm-specific decision volume in the public corpus

Upheld rate

38.5%

972 upheld decisions

Leading product

Banking and Payments

2,455 decisions

Leading complaint theme

Fraud Or Scam Concern

1,517 tagged decisions

Monzo Bank Ltd at a glance

Monzo Bank Ltd appears in 2,526 published decisions in this corpus. 38.5% 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 2,455 decisions and an upheld rate of 38.4%.

  • Latest active year in the published data: 2026 (9 decisions)
  • Most common complaint theme: Fraud Or Scam Concern
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Monzo 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 9 published decisions with an upheld rate of 11.1%.

  • 2026: 9 decisions, 11.1% 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

Fraud 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”.

Consumer Credit Act 1974, Section 140a Cca, Conc, 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: 2,455 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-595212102 Feb 2026Not upheld

Monzo Bank Ltd · Banking and Payments

For the reasons mentioned above, my final decision is that I’m not upholding this complaint against Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr P to accept or reject my decision before 2 March 2026.

View source decision
DRN-605088002 Feb 2026Not upheld

Monzo Bank Ltd · Banking and Payments

My final decision is that I do not uphold this complaint against Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 2 March 2026.

View source decision
DRN-574570430 Jan 2026Not upheld

Monzo Bank Ltd · Banking and Payments

For the reasons explained, my final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 27 February 2026.

View source decision
DRN-590723630 Jan 2026Not upheld

Monzo Bank Ltd · Banking and Payments

For the reasons set out above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr U to accept or reject my decision before 27 February 2026.

View source decision
DRN-598353930 Jan 2026Not upheld

Monzo Bank Ltd · Banking and Payments

I don’t uphold this case against Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss F to accept or reject my decision before 27 February 2026.

View source decision