Fraud & Scams
1,189 decisions, 44.7% of this firm page
Published Financial Ombudsman Service decisions, 2013-April 2026
Monzo complaints: what the Ombudsman decided
We analysed 2,660 published Financial Ombudsman decisions linked to Monzo. This page shows outcomes, complaint types and decision patterns without rating the firm.
More complaints doesn't mean worse service — big firms serve millions of customers, so they naturally show up more often. Win rates reflect the mix of complaint types a firm faces, not a quality score.
Across the full dataset, about 1 in 3 clear-result cases ended with the customer winning fully or partly (33.5%). For Monzo, this page shows 38.8%.
Complaint mix
What people complain about
51.9%
Payment Disputes
540 decisions, 20.3% of this firm page
PPI Claims
316 decisions, 11.9% of this firm page
Consumer Credit
270 decisions, 10.2% of this firm page
Banking Disputes
150 decisions, 5.6% of this firm page
The percentage at the end of each row is the rough won-or-partly-won rate for that broad category.
Published decisions
How it changed over time
201915
202055
2021105
2022277
2023374
2024745
2025944
2026139
The 2026 figure covers published decisions up to April 2026.
Outcome wording
What happens when customers win
Set amount listed
Share of won or partly won decisions with this wording
Worked out with interest
Share of won or partly won decisions with this wording
Worked out by set rules
Share of won or partly won decisions with this wording
Stress or hassle payment
Share of won or partly won decisions with this wording
Refund
Share of won or partly won decisions with this wording
No money ordered
Share of won or partly won decisions with this wording
Not clear from the case
Share of won or partly won decisions with this wording
These labels describe the decision wording. They do not promise any outcome for another case.
Past results are not a promise
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Methodology
Read this as data, not a verdict.
Source
Published Financial Ombudsman Service decisions from 2013–April 2026. This page uses 2,660 published decisions for Monzo.
Entities included
Monzo Bank Ltd.
What won means
Won means the Financial Ombudsman agreed with the customer. Partly won means it agreed with part of the complaint. Unclear outcomes are left out of the rate.
Not a rating
This is not a review or rating of Monzo. Past results can't predict your case; this isn't legal advice.
Independence and corrections
HeyRefund is not affiliated with, or endorsed by, the Financial Ombudsman Service. Spotted an error in our numbers? Tell us and we'll check it.