How to File a Chargeback with Monzo
Everything you need to dispute a transaction with Monzo, including the best method, required documents, and expected timelines.
1-5 working days for initial response
App
Step-by-Step Chargeback Process
Contact Monzo via App
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
Monzo will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details (auto-populated in app)
- Description of dispute
- Photos/screenshots of evidence
Tips for Monzo
- •Monzo disputes are handled entirely through the app chat
- •Fastest major bank for initial dispute response
- •Upload evidence directly in the chat
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes Monzo jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with Monzo?
You can file a chargeback with Monzo via App.
How long does a Monzo chargeback take?
1-5 working days for initial response
What documents do I need for a Monzo chargeback?
Transaction details (auto-populated in app). Description of dispute. Photos/screenshots of evidence
Need Help With Your Monzo Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
Let Frank build your chargeback case