How Monzo keeps your account secure
We prioritise the security of your money and personal information. As a regulated bank, we follow strict security standards and use fraud prevention measures, including 24/7 monitoring, to help keep you safe.
We've also built security features into the Monzo app so you can stay in control.
Login and biometrics
Secure your account with Face ID or Fingerprint ID. Make sure only your own biometrics are saved on your device, as they can be used to log in and authorise payments.
Card security
Get instant notifications for transactions. You can freeze or defrost your card, or report it lost or stolen, directly in the app.
If you think someone has your card details, for example after entering them on a website you don't trust, freeze your card immediately while you check what's happened.
If you only received a suspicious message but didn't enter any information, you usually don't need to freeze your card.
Payment security and scam prevention
For most online card payments, we'll ask you to approve or deny the transaction in your app.
If we call you, you'll see a Call Status notification confirming it's really Monzo.
Strong Customer Authentication (SCA)
SCA helps confirm it's really you when you log in or make a payment.
We'll ask for two pieces of proof, such as your PIN, phone or fingerprint. This is a legal requirement that helps keep online banking safer across Europe.
Added Security
You can turn on Added Security for extra protection when making bank transfers or withdrawing money from an Instant Access Savings Pot.
Set daily allowances for how much you can transfer or withdraw before an extra security check is needed.
You'll need to choose at least two controls:
Known Locations: Approve transactions from places you've saved, such as home or work.
Trusted Contacts: Ask someone who uses Monzo to check whether a transaction looks safe.
Secret QR Codes: Scan a personal QR code you've printed or stored securely away from your phone.
When you go over your daily allowance, you'll need to complete an extra security check using one of your controls.
To set up or manage Added Security, go to Settings → Privacy & Security → Added Security.
Remember
We'll never ask you to send money to a safe or holding account, share your PIN, or move money to keep it safe.
We'll never contact you to collect customs charges or ask you to transfer money to protect your account.
If you're unsure about a payment request, contact the organisation using its official website or app rather than the details in an unexpected message.
