Published decisions
2,497
Decision volume in this firm-product slice
Firm + product analysis
Monzo Bank Ltd in Banking and Payments
A curated public analysis of Monzo Bank Ltd's published Financial Ombudsman decisions in Banking and Payments, including outcome context, complaint themes, precedent signals, and representative cases.
Upheld rate
38.0%
949 upheld decisions
Page summary
2,497 published FOS decisions involving Monzo Bank Ltd in Banking and Payments, with upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
2,497
Decision volume in this firm-product slice
Upheld rate
38.0%
949 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
2,497
Decision volume in this firm-product slice
Upheld rate
38.0%
949 upheld decisions
Latest active year
2026
51 decisions
Leading complaint theme
Fraud Or Scam Concern
1,542 tagged decisions
Monzo Bank Ltd in Banking and Payments
AnalysisMonzo Bank Ltd appears in 2,497 published decisions in Banking and Payments across this corpus. 38.0% of those decisions were upheld, making this one of the strongest public firm-product slices available for search and research.
The latest year represented in this slice is 2026, with 51 published decisions and an upheld rate of 13.7%.
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Payment Services Regulations
- Advisor uphold-risk signal for Banking and Payments: low
How the slice behaves over time
AnalysisMonzo Bank Ltd has a multi-year published decision trail in Banking and Payments, which makes it possible to judge whether complaint exposure has been persistent or concentrated into a smaller set of years.
Banking and Payments remains a meaningful part of Monzo Bank Ltd's published complaint exposure, but this page isolates just that one product line instead of blending it with the firm's wider footprint.
- 2026: 51 decisions, 13.7% upheld
- 2025: 923 decisions, 24.7% upheld
- 2024: 729 decisions, 50.3% upheld
- 2023: 371 decisions, 49.3% upheld
- 2022: 276 decisions, 46.4% upheld
Themes, precedent context, and handling implications
AnalysisFraud Or Scam Concern is the clearest complaint-theme signal in this firm-product slice, which helps explain what tends to drive published ombudsman decisions here.
The product advisory layer also points to recurring handling implications, including review consumer credit act 1974 precedent (appears in 2.7% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.
- Second complaint theme: Delay In Claim Handling
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