Cancel Atlas

The Cancellation Friction Index

Documented-Policy tier only. This score rates how clearly Monzo's public cancellation page is published (cited, dated), opinion grounded in disclosed facts, not a finding about the real cancel experience, and not legal advice. The behavioural Verified-Flow grade is pending.

83/ 100 · B

Personal finance & fintech · GB

How hard is it to cancel Monzo?

Monzo scores 83/100 (grade B) for how clearly it documents cancellation in the GB, a clearly documented cancellation policy. Cancellation is available via in-app, phone, email.

Last reviewed 2026-06-10 · Documented-Policy tier · grade B

Personal account: close in-app via Profile > Close account. Prerequisites: cancel any paid plan (Plus/Premium/Extra/Perks/Max), zero out all balances and pots, close easy-access savings pots. Closure is immediate; Monzo emails a PDF statement with full transaction history. Phone (0800 088 4040) and email ([email protected]) are available for support. Re-opening requires a 30-day wait. Paid plans (Plus, Premium) cancel in-app via the plan tab > Settings > Cancel. Plus: 14-day cooling-off (no fee; £5 if holographic card ordered); within 3-month minimum term a £5 cancellation fee applies; after 3 months no fee; prorated refund for remaining days in cancellation month. Premium: 14-day cooling-off (no fee; £50 if metal card ordered); within 6-month minimum term a £50 fee if metal card was ordered; after 6 months cancellation is free; prorated refund for remaining days. Cancellation of Plus or Premium is permanent, Monzo has stopped selling these plans and you cannot rejoin. No explicit notice period required by the customer; cancellation is immediate. Monzo may cancel plans with at least 2 months' notice. Data deletion after closure: contact [email protected] or call 0800 088 4040; response within one month per UK GDPR.

How to cancel Monzo

  • Channels: in-app, phone, email
  • Official cancellation page: https://monzo.com/help/account-and-profile/close-account
  • Pause/freeze: not offered. No pause or freeze option is documented for Monzo accounts or paid plans.
  • Refund policy: https://monzo.com/help/monzo-plus/plus-cancel
  • Account/data deletion: After account closure, data deletion can be requested via in-app chat, email ([email protected]), or phone (0800 088 4040). Monzo responds within one month per UK GDPR. Data is typically retained for 6 years post-closure to comply with law. Users have a right to erasure, though legal exceptions (AML, fraud) may apply. https://monzo.com/legal/privacy-notice/version-1-16/

Evidence

Scope & fairness

This is the Documented-Policy tier: it measures how clearly the cancellation policy is published (cited, dated facts), not the behavioural experience of cancelling (Verified-Flow audit pending). Every company is scored on the same five dimensions with the same published weights, scores cannot be bought or removed. It is opinion grounded in disclosed facts, and not legal advice.

Is this wrong? Companies can request a correction ->

Cite this. Cancel Atlas (2026). “Monzo, Cancellation Friction Index (GB).” CES-1.1. https://www.cancelatlas.com/c/monzo (CC BY-SA 4.0).

See Monzo in the full index -> · How we score · Open data

Earned it? Show your grade

Monzo grades B, among the clearest cancellation policies we've scored. Put the badge on your site; it links back here and always reflects your current, cited grade.

Cancel Atlas, Grade B

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