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

Fintech & banking · 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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