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I hereby notify you of my decision to terminate the contract relating to the Monzo service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancel Monzo: Easy Method
What is Monzo
Overview
Monzo is a UK-based digital bank offering current accounts, debit cards, and paid plans (Plus, Premium and other extras) through its mobile app.
It operates remotely for international users and does not have a physical banking presence in New Zealand.
How Monzo works for NZ users
New Zealand customers can open and use Monzo accounts but banking and terms are governed by UK-based policies and Monzo's UK entity.
Support and official communications come from Monzo in the UK; contact options include the app, email, or an international phone number.
How to cancel Monzo
Closing your Monzo current account
- Open the Monzo app and search help or use the account closure flow if available.
- Alternatively email help@monzo.com or call +44 20 3872 0620 from outside the UK.
- You can close within the first 14 days of opening or at any time thereafter; outstanding balances must be repaid first.
Cancelling Monzo paid plans (Plus / Premium)
- Open the Monzo app, go to your plan settings and choose cancel to stop the subscription.
- Monzo Plus and Premium both allow cancellation in-app; follow on-screen steps to confirm.
- Read the plan-specific exceptions below before cancelling (card-related fees and minimum term rules apply).
What happens when you cancel
Account closure effects
When you close a Monzo current account your physical card will stop working immediately and app access to that account ends.
You must clear any outstanding balance before closure; pending refunds or disputes may affect timing of final closure.
Subscriptions and renewals
Paid plans stop renewing after cancellation. Monzo will process refunds or fees according to the plan terms (see cancellation exceptions).
If you cancel mid-month after any minimum term, Monzo may refund remaining days according to its Premium policy.
Will I get a refund?
General refund timing
Merchant refunds normally post to your account 5 - 6 days after the merchant processes them.
For some transactions such as car rental or hotel deposits, refunds can take up to 30 days to appear.
Disputes and exceptions
- For incorrect or unauthorised card payments use the app: “Something wrong? Get help” → Dispute.
- Refunds for paid Monzo plans depend on cooling-off, minimum-term rules, and whether physical cards were issued.
- If you ordered a holographic or metal card, specific cancellation fees may apply even within the cooling-off period (see plan details).
Monzo plans and pricing
Plans overview
Monzo offers a free current account plus paid plans such as Monzo Plus and Monzo Premium in the UK.
Official pricing is listed in GBP on Monzo's UK site; there is no confirmed NZD pricing for New Zealand users.
Pricing table
| Plan | Typical monthly price | Cancellation notes |
|---|---|---|
| Free current account | Free | Can be closed anytime; repay any owed money first; card stops and app access ends on closure. |
| Monzo Plus | Varies | Cancel via app anytime. 14-day cooling-off free except a £5 charge for holographic blue card. 3-month minimum: £5 fee if cancelled after 14 days but before 3 months. |
| Monzo Premium | Varies | Cancel via app. 14-day cooling-off free unless metal card ordered (£50 fee applies, first monthly fee refunded). 6-month minimum applies for metal card fee; after 6 months cancellation is free with a pro-rata refund. |
| Other paid plans (Extra/Perks/Max) | Varies | Official UK pricing only; check Monzo app or help pages for exact terms and cancellation rules. |
Your consumer rights in New Zealand
Key NZ consumer protections
New Zealand consumer protection is governed by laws such as the Consumer Guarantees Act and the Fair Trading Act.
These laws cover the quality and accuracy of goods and services but do not automatically create a 14‑day cooling-off right for most online purchases.
How this applies to Monzo services
- Monzo is UK-based; the bank’s terms and refund procedures reflect UK practice, but NZ consumers retain rights under local law when buying goods or services from NZ businesses.
- For unauthorised or incorrect card transactions, use Monzo’s dispute process in the app as your first step.
- If you need more help locally, contact New Zealand consumer protection agencies such as Consumer Protection NZ or the Commerce Commission for guidance.
Customer experiences
Positive feedback
- Many users praise the app’s intuitive design, real-time notifications and helpful budgeting features like Pots.
- Paid-account perks such as insurance and travel assistance are appreciated by customers who use them.
Negative feedback
- Some users report the app can become cluttered or that dispute resolution and refunds can be slow in certain cases.
- There are reports on public forums of difficult experiences with unauthorised transactions and longer resolution times for fraud disputes.
Documentation checklist
Before you cancel
- Account details: full name, registered email, and last four digits of your card.
- Ensure any outstanding balance is paid or arranged for repayment prior to closure.
- List of active direct debits and scheduled payments to move to another account.
Supporting documents
- Screenshots or copies of any pending refunds or disputes you want to track.
- Identification documents if Monzo requests identity verification during closure.
- Export or download recent statements for your records before app access ends.
Common mistakes
Failure to clear balances
Trying to close an account without repaying an outstanding balance will delay closure.
Always check and settle loans, overdrafts or pending card charges first.
Not moving recurring payments
Customers often forget to transfer direct debits or subscriptions, causing missed payments after closure.
Move or cancel recurring payments before you close your account to avoid interruptions or penalties.
Comparative recap
Quick comparison
| Item | How to cancel | Cooling-off / Minimum term | Typical cancellation fees |
|---|---|---|---|
| Current account | App, email (help@monzo.com) or +44 20 3872 0620 | Can close within 14 days or anytime after | No fee, but outstanding balances must be repaid |
| Monzo Plus | Cancel in-app | 14-day cooling-off; 3-month minimum term applies | £5 for holographic card if cancelled in cooling-off; £5 fee if cancelling within 3-month minimum after cooling-off |
| Monzo Premium | Cancel in-app | 14-day cooling-off; 6-month minimum for metal card | £50 metal card fee may apply in cooling-off or if cancelling within 6 months; otherwise no fee and pro-rata refund after 6 months |
After cancelling
Practical next steps
- Export any required statements and confirm direct debits have been switched or cancelled.
- Keep records of closure confirmation and any dispute or refund reference numbers.
Helpful links and contacts
- Monzo help - Close your account
- Email: help@monzo.com
- Phone (from outside UK): +44 20 3872 0620
Address
Monzo head office
Monzo Bank Limited, Broadwalk House, 5 Appold Street, London, England EC2A 2AG, United Kingdom.
Notes
Monzo is a UK bank; if you require local advice on New Zealand consumer law, contact a local consumer rights organisation or legal adviser.