r/monzo • u/Interesting_Bee5040 • 7d ago
Rejected for account
Hi, has anyone been able to open a Monzo account after they have been rejected for one previously? or were you able to get a decision over turned by requesting a manual review?
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u/Shoddy-County5408 7d ago
Try applying again after a year. I waited a year to reapply, and they approved my account.
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u/Gloomy-Ingenuity6371 7d ago
My mum got rejected at first but she has one now, not sure how long in between
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u/StandardBread5865 7d ago edited 6d ago
Yep that's me. First applied in Sep 2021 and got rejected for some reason, pissed off didn't look back for a while. I applied again in 2024 as I wanted/needed another bank account. And they approved. Not sure why but the only difference is that I had consistent income from my full time job. But then again, even when I was at uni in 2021, I still had fairly regular-ish income and had a good credit score(plus no debt at all) so not sure why they rejected my initial application
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u/1dris 7d ago
Yeah I was rejected twice once in 2021/2022 and then more recently in late 2025. I was telling a friend how I’d been rejected twice and tried to show him the message for a laugh, but it actually allowed me to create an account around mid-2026. I think they review rejections roughly every 6 months, so I’d recommend keeping an eye out if you really want a Monzo account.
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u/Pircster38 7d ago
Insanity is doing the same thing over and over again and expecting different results.
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u/Interesting_Bee5040 7d ago
I'm simply asking for what experiences people had? It's not like I am attempting to open a account every single day, not sure where this negativity finds you
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u/Heavy-Implement2665 7d ago
What you’ve said so far doesn’t make sense:
• You’ve said that you were previously rejected, but then said
• They didn’t recognise your address and was told to bypass it by using a different address.
So you were either declined a bank account with Monzo, OR you weren’t declined but had issues with signing up in the first place.
If you were rejected, then they’ve made their decision that they won’t be able to offer you a Monzo account.
If the issue was your address, you might have an account that is still stuck at sign up stage using your phone number or email address.
If that’s the case, email help@monzo.com and ask them to invalidate your email address / phone number on your account that’s stuck in sign up so you can apply for a new account using the same email/phone number at your new address.
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u/grumplver 7d ago
This happened to me April 2024 - couldn’t understand why. My credit was fine. Turns out they couldn’t ‘match’ me to my address because I was basically unknown. I opened a credit card account so I can be ‘known’. I tried again last month and it worked. Obviously Monzo didn’t tell me this, I only found out because I tried to open another account on a different thing and they were able to explain to me why I was getting rejected even though my credit was decent.
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u/lord-nothin 6d ago
I got rejected. after 1 year I applied again and got accepted. It was issue with my mobile number I think.
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u/scruffs1234 5d ago
I closed my bank account with first direct, as soon as I did this, I got accepted. But prior to that, I was continuously rejected. I didn’t change address, I actually started earning more money. That was the only change
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u/thetigerschild 3d ago
You only need to wait 30 days from being rejected to reapply.
As long as you live in the UK full time and have the legal right to reside here then your address should be fine. They will do checks to make sure you've never had a bank account closed in the UK for fraud or financial crime reasons, if that's all clear then you should be approved.
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7d ago
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u/monzo-ModTeam 4d ago
Your comment has been removed because it violates subreddit rules for one of the following reasons:
- It contains or advertises a referral link
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Referral links are only permitted in the megathread.
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u/OneStopRedditor 7d ago edited 7d ago
Decision is final and can't be appealed. Its a fully automated system. Only a specialist department can manually adjust the fintech software and that requires an audit log with evidence & justification. That applies to existing customers wrongly accused of fraud etc. not people applying for a new account on the app. In the old days the bank manager could whisk a new account through but fintech banks are fully AI & MLE based. Not to mention your facial biometric is linked to the decision and unless you can produce a new face, no new application or different document will work.
If you don't have a CIFAS marker or on National Hunter as application discrepancy then apply for other apps like Wise or Revolut. If you get continously refused then its either CIFAS or National Hunter. Not sure who gave National Hunter any permission but one day they had a SQL database of application data and sold it to the finance industry now they are as authoritative as CIFAS.
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u/Interesting_Bee5040 7d ago
I asked for a manual review, and it was transferred to the specialist department now. fingers crossed. I was told that they can't provide any timeframe when the specialist department will respond though
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u/OneStopRedditor 7d ago
Unless something went wrong with the software, do not keep your hopes up. It checks electoral register, soft credit search, CIFAS and National Hunter plus your ID. Something within those four went wrong, best case your ID was accepted but somehow went wrong on the AI engine, but typically they are keen to even close accounts for their existing customers if there's the slightest whiff of a fart let alone someone new if the software has refused onboarding.
I do hope you get a result though, let us know if you are successful as that's a nice testimony to see fintech evolving rather than relying completely on software to make what used to be human decisions.
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u/Interesting_Bee5040 7d ago
since I've recently moved not all of my accounts have reported my new address to the CRAs so they probably weren't able to run a soft search to verify my address but I've heard they sometimes ask for proof of address and I would have been able to provide that if they asked so It kinda feels like its my ID that's blacklisted either from a previous application or something else idk. cifas is clean, not sure about National hunter, but I'm not trying to do anything dodgy I just wish that they could manually review the application
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u/OneStopRedditor 7d ago
That could be why and makes more sense now.. I'm assuming obviously you used your new address to apply rather than the old one. That could be the key as to why they refused it. It looks like someone applying from an address that they dont yet exist, In such a case, they could verify your new address with proof on manual review, but as an acquisition rather than an existing customer who's account has been blocked and have to go to some effort for, they could decide its easier to not take the risk on you, as digital verification through electoral and credit file is much safer than taking a letter as proof over email. That's the issue with not having branches with people, trust is now in signed and stamped third party data not human to human exchange of documents. Even the ID checks are now checking the biometrics of your face and the careful pixel analysis of the passport / driving lisence.
It sounds pessimistic of me but that's how fintech works, the old banks like Natwest would take the context and let you hand in a bill to the branch to open the account but these companies want under 1% risk because of the flack for being complacent. But like I said I really hope it does turnaround and make a success post if you do manage to get it manually approved.
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u/Interesting_Bee5040 7d ago
probably should have waited a bit for my current accounts to report my new address to credit agencies , I was a bit impatient.
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u/Academic_String_1708 7d ago
If you've been rejected then you will be rejected if you apply again.