MONZO* Charge (What It Is + Is It Legit?)
✓ LegitimateThe "MONZO*" charge is from Monzo Bank. Monzo premium bank subscription.
Monzo Bank
Monzo premium bank subscription.
Category
Banking
Avg. Charge
£5.00
Country
GB
Billing Cycle
Monthly
Cancel At
monzo.com/settings
Support
See website
Why does this charge appear?
Monzo Bank uses the shortened descriptor "MONZO*" on bank statements because of how their internal payment processing system communicates transaction data to card networks like Visa and Mastercard, where character limits and formatting conventions often truncate or simplify merchant names. The asterisk following "MONZO" is a common delimiter used by payment processors to separate the merchant identifier from any additional reference data, such as a subscription tier or account identifier. If you spot this charge for around £5.00 on a monthly basis, it is almost certainly your Monzo premium subscription fee, such as Monzo Plus or Monzo Premium, billed directly through their own banking infrastructure.
What should you do?
Confirm Your Monzo Subscription
Log in to your Monzo Bank account and check whether you are signed up for Monzo Premium or Monzo Plus. The MONZO* charge on your statement is directly linked to one of these paid subscription tiers offered by Monzo Bank.
Review the Charge Amount
Cross-reference the amount shown next to MONZO* on your statement with the current pricing for your Monzo Bank subscription plan. If the amount does not match your expected Monzo Premium or Monzo Plus fee, contact Monzo Bank support directly through the in-app chat at monzo.com.
Check Your Subscription Billing Date
Visit your Monzo Bank account settings to verify the recurring billing date for your subscription. This helps confirm that the MONZO* charge appeared at the correct time and is not a duplicate or unexpected additional charge from Monzo Bank.
Cancel If No Longer Needed
If you no longer want to be billed by Monzo Bank, you can manage or cancel your Monzo Premium or Monzo Plus subscription directly by visiting monzo.com/settings. From there you can downgrade to a free Monzo account and stop future MONZO* charges from appearing on your statement.
Is this charge fraudulent?
No, this is a legitimate charge from Monzo Bank. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.
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