Victim of romance fraud through Monzo?
You may be entitled to a refund.
If you've lost money to romance fraud and the payment was sent from your Monzo account, the law may require Monzo to reimburse you. We handle the entire process — no win, no fee.
Check if you can claim →Free, no-obligation eligibility check. Takes 5 minutes.
Up to £85k
PSR reimbursement cap
+35%
Increase in romance fraud H1 2025
5 days
Monzo must respond
About ROMANCE FRAUD
How romance fraud affects Monzo customers
Romance fraud occurs when criminals create fake profiles on dating apps, social media, or other online platforms to build emotional relationships with victims. Over weeks or months, the fraudster gains the victim’s trust before fabricating a crisis — a medical emergency, business problem, or travel difficulty — to request money.
Read our full guide to romance fraud →Common warning signs
Why MONZO May Owe You a Refund
Legal grounds for claiming against Monzo for romance fraud
PSR mandatory reimbursement
Since October 2024, Monzo must reimburse eligible APP fraud victims up to £85,000 for payments via Faster Payments and CHAPS within 5 business days.
Failure to identify romance fraud indicators
Monzo should identify transaction patterns consistent with romance fraud. Monzo should recognise patterns typical of romance fraud — such as new payees receiving regular payments of increasing value, payments described as gifts or loans to individuals, and transfers that don’t match the customer’s normal spending patterns.
Financial Ombudsman escalation
If Monzo refuses, the FOS can independently review and award up to £430,000. We handle the entire escalation process.
Monzo is a signatory to the voluntary CRM Code, which provides additional grounds for your claim.
How It Works
How we recover your money
Tell us what happened
Share the details of the romance fraud and the payments sent from your Monzo account.
We build your case
Our legal team identifies the strongest regulatory arguments specific to romance fraud claims against Monzo.
We pursue Monzo
We submit a formal complaint citing the specific obligations breached, and chase every deadline.
Resolution
If your claim succeeds, you receive your refund minus our agreed fee. If we don’t recover anything, you pay nothing.
Common Questions
Romance Fraud claims against Monzo
Absolutely. Romance fraud is specifically designed to exploit human emotions, and victims often experience shame or embarrassment. These are highly skilled criminals who manipulate people of all backgrounds. Our team handles every case with complete sensitivity and confidentiality. You are not at fault.
We operate on a no-win, no-fee basis under a Damages-Based Agreement. If your claim is unsuccessful, you pay nothing. If we recover funds for you, our fee is a percentage of the amount recovered. The exact percentage is clearly explained before you sign anything, as required by SRA regulations.
The PSR mandatory reimbursement scheme applies to payments made within 13 months. For older cases, the Financial Ombudsman can consider complaints up to 6 years from the event, or 3 years from when you became aware. We can assess your eligibility during the free initial review.
Other fraud types against Monzo
Claim romance fraud against other banks
Romance Fraud through Monzo? Check your eligibility.
Free eligibility assessment. No obligation. Takes 5 minutes.
Check your eligibility →