How to Close Monzo Account: Essential Steps

Monzo makes everyday banking simple and convenient. However, if you're juggling multiple financial platforms or relocating, you might decide it's time to move on. The good news? Closing your Monzo account is a quick and easy process.

This guide will walk you through the process — in just a few steps, you'll learn how to close Monzo account and wrap things up thoroughly.

Pre-Closure Considerations

Before you delete Monzo account, complete these steps to prevent data loss or complications:

1. Check Your Balance

Ensure your balance is zero or positive. Settle any outstanding overdrafts or negative balances to avoid issues.

2. Transfer Remaining Funds

Transfer any remaining funds from your Monzo account to another one to avoid losing access to your money.

3. Review Pending and Recurring Transactions

Wait for pending payments or refunds to clear before the closure, and review or cancel all scheduled transactions to avoid missed payments.

4. Manage Your Savings & Investment Pots

You won’t be able to close your account if any fixed-term pot is still active. If you’re using the Current Account Switching Service (CASS), your funds will automatically transfer to your new account once the pot matures. For easy-access pots, close the pot first. Once the balance (next working day) and interest (typically paid on the second working day of the month) reach your account, you can proceed with closure.

5. Cancel Subscriptions

End all associated subscriptions — such as Monzo Plus, Premium, Extra, Perks, Max, or Max + Family — to avoid payment issues. A cancellation fee may apply — you'll review this information in the application or can check the details here ahead of time.

6. List Your Services for Payment Updates

Make a list of all services and subscriptions linked to your Monzo account so you can easily update them with your new bank details.

7. Save Your Statements
   Download any needed bank statements directly from the app to keep a record of your transaction history.
8. Contact Monzo Support
   Use the in-app chat or Help section if you encounter any issues.

Did you know? Monzo experienced significant growth across all key financial metrics in 2024–2025, including a notable increase in customer deposits.

Step-by-Step Closure Process

You can cancel your Monzo account within 14 days of opening it— or at any time after that. Once your account is closed, your card will no longer work, and you’ll lose access to all features, including any paid ones (except for already redeemed third-party offers).

Follow these simple steps to close your account:

1. Log in to your Monzo app;
2. Make sure your balance is zero;
3. Tap your profile picture (top left corner) and then select the “Settings” icon (top right);
4. Scroll down and tap “Close Account;”
5. Follow on-screen instructions and agree to the terms;
6. Tap “Chat With Us” to confirm or get help.

How Can I Close Monzo Account Without the App?

Founded in the UK in 2015, Monzo is a digital-only challenger bank that operates entirely through its mobile app, with no physical branches. However, if you no longer have access to the app, you can still close your account account by phone or email:

• Call 0800 8021 456 to close your account by phone;
• Email help@monzo.com to request an account closure.

Data Handling Post-Closure

If your account has already been closed, you can request data deletion by contacting Monzo through email help@monzo.com or calling 0800 802 1281. The app is not required for this step.

You may request to reopen your profile after at least 30 days from your Monzo account closure, but please note that reopening is not guaranteed.

Final Thoughts

Closing your Monzo account is straightforward, but only taking the right steps ensures a smooth, stress-free transition. Whether you're switching banks or simply streamlining your finances, following this process helps avoid disruptions. And remember — if you change your mind, Monzo may allow you to reopen your account.