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Reply-To: <email-marketing@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?We=E2=80=99ve_updated_our_terms_&_condit?=
=?utf-8?Q?ions?=
Date: Mon, 16 Mar 2026 12:18:26 -0000
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The most important things are in this email
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
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͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/k6aPnWtWpNxdbnG9mHdMgA~~/AAAHahA~/PnTGJcwSbHe0jUCNjDeSYkY5YuRc9HhFe7FCpkst2OQW07u66ch-jH0IwApHM8McQOIyEse7TxilcnZFDqsJTvw62LmdX26vzOKjJsv7gfE~>
We’ve updated our terms & conditions
Hi Robert,
We've made changes to a few of our services so we've updated our terms &
conditions.
We've listed the most important things in this email and linked to the new
terms & fee information below, as well as included a clear ‘before and after’
of the key changes.
We've updated our rights to make immediate changes
We can now only make immediate changes to your terms if the changes we're
making are for new products, unregulated products, or if the law says we
have to make the change.
Our phone number's changing
We're updating our customer support phone number so you might see a
different number on your card to the one on our website but both numbers
work and are safe to use.
We've added to our explanation of how we use your data
There's no change to how we use your data, we've just explained that using
your data to provide services to you means things like managing your
accounts and meeting our legal and regulatory obligations.
We're giving you more notice if we need to close your account
Up until 28 April 2026 we can close your account by giving you at least 2
months' notice, after that we'll give you at least 90 days' notice. As
before, we may close your account immediately if we need to. For example, if
you've broken the law or been abusive.
We're expanding our fee criteria
Paying £500 or more into your Monzo account every 35 days is a sign to us
that you might be using Monzo as a main bank and benefit from different fees
and allowances. Payments from your Monzo Business Account now count towards
your £500 in 35 days.
Adding eligible payment types for Double Payday
The new eligible payment types are HMRC payroll, Adult Disability Payment
(ADP) from Social Security Scotland, and Child Disability Payment (CDP) from
Social Security Scotland.
We've added other examples of ways you could go into an unarranged overdraft
Including if a payment system goes down, if we're recovering chargebacks or
refunds, or for offline payments.
Allowing someone else to use your account
We might let you nominate a Trusted Third Party (TTP) to help manage your
account, or a legal authority (like a Power of Attorney) might appoint one
for you.
Want to read the changes in full?
The links below take you to the new terms & conditions and fee information
documents, along with summary documents showing what’s changed. As always,
our latest terms & conditions and all our previous versions are available on
our website.
*
<https://clicks.monzo.com/f/a/O-BCylzhzQlJEZrmWe-5Cw~~/AAAHahA~/MPUThjmle6lyNHlM9OJFsOWJLHdNidQ_BmECif42-8YDIvKBBagZHaHZqGoeclRIO7SiO44EUPt1ta9q32FID1EcRCv-PRHYRFO1J0KJCP7D3XEfcVbSSAjp3MI7R92JUJt-iIocXX4SSh7u54pmKb7iT5MWc37BmN1aKpttOH02a8hfV9ZINvkGks59sbWT>
Current Account Terms & Conditions
* Current Account Fee Information document
<https://clicks.monzo.com/f/a/wzqF4ypOg8xPPBcu0IQ9hQ~~/AAAHahA~/eeXvCG2qG_OoAk9P5xqYgYaa6uRTkm1yBvLr7UDPHzV3ohaw-wVXOM8N9DhJrl9yXLWDmTq4bal0eei0A7qOmd5P-JQvitohzEaygsofsQiktYri8uaXooMXFEZ2hrn00XpYmlp62yu99dWtSROv5qsdBFjL3hm2WV4D1I5FvZD_sMJK4201LRV7bVMYlWR4IEjFuMGkSPgy47SlJAej7g~~>
*
<https://clicks.monzo.com/f/a/5FnmngGbD517Do6FihCJZg~~/AAAHahA~/nrhmj2jYfDMIltXNN1arOI4pigQcvEdyz5TJedhp3KxhN6Q4rAUjmJUqEkVokY_8-XUzJSMKLg8jmFlZmMCnUmSolW-B3xU4sf0x26GnnvkAejMLgfOanGc8nz57kvFl0RB_3hMKMgzBFSxm7UEptvxfGdh-oWm9i23WNQxh9TGwK5EbJvbn2IV0-yl684WrWU_kobOBlSERw-SMEbDpTzmIW3z2gng1cHlj07YuZiw~>
Current Account Summary document
*
<https://clicks.monzo.com/f/a/iCTzDhgvbM4_ia8Z7SwHgA~~/AAAHahA~/RWmd0f0fx0unRdN5gZG2J533-9BFFKiqqwxJDxbb8m2Pup3C1EaDOfcKYqB_BKtQtgurMRMe3MyXm0N8YWmgPg-OZ1ZdnCRf7Mt-1H8gr607cNcv8fbDR1ezEy7OY59-YkOVqkhrl8sT6rYRf9pp9D_GVpHxV87_6P5UaPvmC24~>
Double Payday Terms & Conditions
*
<https://clicks.monzo.com/f/a/3Q44X6HSr6KobFwNYEFXmw~~/AAAHahA~/CqdFCZw4DIxm_tsRfCd5QPd9T15R8bdpIJKyilShNVR3Z4EhrWBvKk_Rvdinehkzh6bkJbS4ROEYhysIZ8nWWW2EDKpYzfMcoi6idJFmnCnQPEVfXi1mZ3CxxZx_ykbVp4A1dOxJupLBPL4n9NTXHv_S9WiiEd-dnNsfjrr1-u_mAqZ7i2XlxQ-e8bo-uaq1>
Digital Wallet Terms & Conditions
If you don't agree to these changes, you can let us know and we'll close
your account fee-free. If we don't hear from you by the 16 May 2026, we'll
assume you're happy and accept the changes we've made.
Thanks,
The Monzo team
We're an authorised and
regulated bank
<https://clicks.monzo.com/f/a/W5YEp4E4ZcyC31xFWq52OQ~~/AAAHahA~/U9CF9n7eZ63rXkANCQ6GVj7lrIsizvTJH1mpRo5L5MEKHHK6vgkanYubaymheKc-k1QYaSWi52yyiJDr1dNLgURFIa9TLN7wFiTgttQ7v6c-Eluq6fJD6Eneu_qxA9DzoYcmLPkrVp5YZ2Sa_0a8gA~~>
<https://clicks.monzo.com/f/a/aGrz57Q4Y3zAqZ51VH4fQQ~~/AAAHahA~/EoWQKVwQiM_YfX2QTLAn3UFxw-HTN7kxsoa8Dlm_ueNxJbDtorIg8CGX_q2F4h-7JP6Ce9xB_qOrrb0OuO2ajxOF3pkUmY5FqkopKOyOYSY~>
<https://clicks.monzo.com/f/a/d9e97Kqw-q67Z6-c22VwRQ~~/AAAHahA~/ZX-IkD7LFVqFU2pVH0Nc4Svmkk1tiZaRo9TLeD6fdyTeioDeAQOnmMsNo_h67PuX03N6gssz2fdNK_4FDKBT3V7GHWasdvHeZAORjxpgWqjzEiGQXhQtRJtTg3ghFCRV5qHSvpczIMlacmI29dIqRhrnPy88OgniaNJ2I-ZyMh-63TEocKAXv0gtxNNVRlbT_ZYoTkk86AHmpEUhVJcqzg~~>
<https://clicks.monzo.com/f/a/tpKMRgJJXOEEZEV0f-oNNw~~/AAAHahA~/O9VeJFrQd87rFxvs4wNq8vuDEMFb0O__ke17sC9unj8SdxiZTSqTW80Oc1Dgxr3ZBiUXEFkrHwaH6y6bb404GiiRzBt_srP6pzDz0wF_Q8xNUIf7vJjmuwoG_5xJyN16>
<https://clicks.monzo.com/f/a/Ku27nN5O3kd4Q__Xo4-0SQ~~/AAAHahA~/DhKV8jSujdwQ777CckevYOv5jh_g0TsNmF_tjso8mEnaXIgXNTMAvPDP_r8lRmegNBKONR4flCmc52kZicTr3cbhCncO3vP_ZQy-WeC73r_fvQzjv8stySO0EEml0s3e>
This is an important message about your Monzo account. If you've
unsubscribed from marketing emails, don't worry, we won't send you any of
those.
Monzo Bank Limited is a company registered in England and Wales
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A
2AG. Monzo Bank Ltd is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 730427.
<https://clicks.monzo.com/f/a/w2sznB7I9SOdyVDXcu4h0Q~~/AAAHahA~/yMPT0UQPqpPosLeH5qNZZtEQU170tF4OJ4co6Cwh3jFyxDA1lZ1B211AbaE9TiNlGOVxgCstSuyve1rWiKq92kGhjiLqvgyNDm4qdtRwc756EfVVTUuTI3xl_nFoRQtPue8mhiQLTiYWoXsjEZyiPA~~>
<https://clicks.monzo.com/f/a/Xq7iihMrqgh7mkWBAJOlXw~~/AAAHahA~/80LR-8T-WE_bV3E6_sqlJ7N85Qn2VfgsBjvGO7-F8NjV0VTiizGr9WAQA3WCOAZxQ7jEOUkBK55XnOZ_O1HJCsvBKhuFIE2iNwd3MtRSf7ODbCAmvJv4azh_Zm-QjJoe>
<https://clicks.monzo.com/f/a/ClqIWK3ednA2zFDmX7ARYw~~/AAAHahA~/ia6ZHs-HCORymlNhMwhzV1U4JCO6O-dEmVGt5AeFuL13_dTI1aFbWzhJQUmY5cDLjxyRAsVpwskaUyVJTAMxiqCHkYbtdPt0EHAFOV5I_EGGqVHI29cf8YucMXucfIPy>
<https://clicks.monzo.com/f/a/k6aPnWtWpNxdbnG9mHdMgA~~/AAAHahA~/PnTGJcwSbHe0jUCNjDeSYkY5YuRc9HhFe7FCpkst2OQW07u66ch-jH0IwApHM8McQOIyEse7TxilcnZFDqsJTvw62LmdX26vzOKjJsv7gfE~>
<https://clicks.monzo.com/q/Y1SN05LwpNiqadQnQ7zz_A~~/AAAHahA~/72v4gwjkQZUrF2Bog6Y9OAR5xUh53Yc4auPDKtmypmA7tOvuzjsp9y_MVfOAwTqf9hbcOikoPqsBgr-cjo7_9Q~~>
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</style>=0A=
=0A=
<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"body body-fix darkmode" bgcolor=3D"#FFFFFF" =
style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
!important;width: 100% !important;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;-webkit-font-smoothing: =
antialiased;word-spacing: normal;background-color:#FFFFFF;">=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">The=
most important things are in this email</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=
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=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A=
<div role=3D"article" aria-roledescription=3D"email" =
aria-label=3D"Email from Monzo" xml:lang=3D"en" lang=3D"en">=0A=
<!-- Email Start -->=0A=
<table class=3D"darkmode" bgcolor=3D"#FFFFFF" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" role=3D"presentation" =
style=3D"width:100%;">=0A=
<!-- Email Inner Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode fullWidth" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;" role=3D"presentation">=0A=
<!-- Start adding components after this line -->=0A=
<!-- Module 2 Hero Start -->=0A=
<!-- Logo Content Block Start -->=0A=
<!-- Logo Start -->=0A=
<tr>=0A=
<td class=3D"darkmode" align=3D"center" bgcolor=3D"#F2F8F3">=0A=
<table align=3D"center" class=3D"fullWidth darkmode" width=3D"600" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;background-color:#F2F8F3" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"pt-25 pr-25" align=3D"right" style=3D"padding:55px =
50px 25px 20px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/k6aPnWtWpNxdbnG9mHdMgA~~/AAAHahA~/Pn=
TGJcwSbHe0jUCNjDeSYkY5YuRc9HhFe7FCpkst2OQW07u66ch-jH0IwApHM8McQOIyEse7Txi=
lcnZFDqsJTvw62LmdX26vzOKjJsv7gfE~" target=3D"_blank">=0A=
<img class=3D"logo" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6874ed7c9ec74d008468aca9/original.png?1752493436" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;" width=3D"144" alt=3D"Monzo">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Logo End -->=0A=
<!-- Logo Content Block End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode" =
align=3D"left" style=3D"padding:0px 45px 30px;background-color: =
#F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<!-- Title Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 20px 0px;">=0A=
<h1 class=3D"h1 =
darkmodeFont2" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:48px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;;margin:0;padding:0">=0A=
We=E2=80=99ve updated =
our terms & conditions</h1>=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-15" =
align=3D"left" style=3D"padding:10px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
Hi Robert,<br><br>=0A=
We've made changes to a =
few of our services so we've updated our terms & conditions.<br><br>=0A=
=0A=
We've listed the most =
important things in this email and linked to the new terms & fee =
information below, as well as included a clear =E2=80=98before and =
after=E2=80=99 of the key changes.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro end -->=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">We've updated =
our rights to make immediate changes</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
We can now only make =
immediate changes to your terms if the changes we're making are for new =
products, unregulated products, or if the law says we have to make the =
change.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">Our phone =
number's changing</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
We're updating our =
customer support phone number so you might see a different number on =
your card to the one on our website but both numbers work and are safe =
to use.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">We've added to =
our explanation of how we use your data</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
There's no change to how =
we use your data, we've just explained that using your data to provide =
services to you means things like managing your accounts and meeting our =
legal and regulatory obligations.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">We're giving you =
more notice if we need to close your account</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
Up until 28 April 2026 =
we can close your account by giving you at least 2 months' notice, after =
that we'll give you at least 90 days' notice. As before, we may close =
your account immediately if we need to. For example, if you've broken =
the law or been abusive.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">We're expanding =
our fee criteria</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
Paying =C2=A3500 or more =
into your Monzo account every 35 days is a sign to us that you might be =
using Monzo as a main bank and benefit from different fees and =
allowances. Payments from your Monzo Business Account now count towards =
your =C2=A3500 in 35 days.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">Adding eligible =
payment types for Double Payday</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
The new eligible payment =
types are HMRC payroll, Adult Disability Payment (ADP) from Social =
Security Scotland, and Child Disability Payment (CDP) from Social =
Security Scotland.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
=0A=
=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">We've added =
other examples of ways you could go into an unarranged overdraft</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
Including if a payment =
system goes down, if we're recovering chargebacks or refunds, or for =
offline payments.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
=0A=
=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">Allowing someone =
else to use your account</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
We might let you =
nominate a Trusted Third Party (TTP) to help manage your account, or a =
legal authority (like a Power of Attorney) might appoint one for you.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
=0A=
<!-- Body Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:16px;line-height:24px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
<span =
style=3D"font-weight:bold;font-size:17px;" class=3D"p2">Want to read the =
changes in full?</span>=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td class=3D"Font2" =
align=3D"left" style=3D"padding:5px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
The links below take you =
to the new terms & conditions and fee information documents, along =
with summary documents showing what=E2=80=99s changed. As always, our =
latest terms & conditions and all our previous versions are =
available on our website.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Body End -->=0A=
<!-- Terms Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-0" =
align=3D"left" style=3D"padding:0px 0px 0px 30px;">=0A=
<ul class=3D"p" =
style=3D"margin: 0; padding:0px 0px 20px 0px; list-style-type: disc;">=0A=
=0A=
<!-- Personal account =
Start -->=0A=
<li =
class=3D"darkmodeFont2 p" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:normal; font-size:16px; =
line-height:24px; color:#112231; margin-bottom: 10px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/O-BCylzhzQlJEZrmWe-5Cw~~/AAAHahA~/MP=
UThjmle6lyNHlM9OJFsOWJLHdNidQ_BmECif42-8YDIvKBBagZHaHZqGoeclRIO7SiO44EUPt=
1ta9q32FID1EcRCv-PRHYRFO1J0KJCP7D3XEfcVbSSAjp3MI7R92JUJt-iIocXX4SSh7u54pm=
Kb7iT5MWc37BmN1aKpttOH02a8hfV9ZINvkGks59sbWT" target=3D"_blank" =
style=3D"color:#218FB7; text-decoration:underline; font-inherit: =
inherit;">=0A=
Current Account =
Terms & Conditions</a>=0A=
</li>=0A=
<li =
class=3D"darkmodeFont2 p" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:normal; font-size:16px; =
line-height:24px; color:#112231; margin-bottom: 10px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/wzqF4ypOg8xPPBcu0IQ9hQ~~/AAAHahA~/ee=
XvCG2qG_OoAk9P5xqYgYaa6uRTkm1yBvLr7UDPHzV3ohaw-wVXOM8N9DhJrl9yXLWDmTq4bal=
0eei0A7qOmd5P-JQvitohzEaygsofsQiktYri8uaXooMXFEZ2hrn00XpYmlp62yu99dWtSROv=
5qsdBFjL3hm2WV4D1I5FvZD_sMJK4201LRV7bVMYlWR4IEjFuMGkSPgy47SlJAej7g~~" =
target=3D"_blank" style=3D"color:#218FB7; text-decoration:underline; =
font-inherit: inherit;">Current Account Fee Information document</a>=0A=
</li>=0A=
<li =
class=3D"darkmodeFont2 p" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:normal; font-size:16px; =
line-height:24px; color:#112231; margin-bottom: 10px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/5FnmngGbD517Do6FihCJZg~~/AAAHahA~/nr=
hmj2jYfDMIltXNN1arOI4pigQcvEdyz5TJedhp3KxhN6Q4rAUjmJUqEkVokY_8-XUzJSMKLg8=
jmFlZmMCnUmSolW-B3xU4sf0x26GnnvkAejMLgfOanGc8nz57kvFl0RB_3hMKMgzBFSxm7UEp=
tvxfGdh-oWm9i23WNQxh9TGwK5EbJvbn2IV0-yl684WrWU_kobOBlSERw-SMEbDpTzmIW3z2g=
ng1cHlj07YuZiw~" target=3D"_blank" style=3D"color:#218FB7; =
text-decoration:underline; font-inherit: inherit;">=0A=
Current Account =
Summary document</a>=0A=
</li>=0A=
<li =
class=3D"darkmodeFont2 p" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:normal; font-size:16px; =
line-height:24px; color:#112231; margin-bottom: 10px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/iCTzDhgvbM4_ia8Z7SwHgA~~/AAAHahA~/RW=
md0f0fx0unRdN5gZG2J533-9BFFKiqqwxJDxbb8m2Pup3C1EaDOfcKYqB_BKtQtgurMRMe3My=
Xm0N8YWmgPg-OZ1ZdnCRf7Mt-1H8gr607cNcv8fbDR1ezEy7OY59-YkOVqkhrl8sT6rYRf9pp=
9D_GVpHxV87_6P5UaPvmC24~" target=3D"_blank" style=3D"color:#218FB7; =
text-decoration:underline; font-inherit: inherit;">=0A=
Double Payday =
Terms & Conditions</a>=0A=
</li>=0A=
<!-- Personal account =
End -->=0A=
=0A=
=0A=
<!-- Paid Start -->=0A=
=0A=
=0A=
=0A=
<li =
class=3D"darkmodeFont2 p" style=3D"font-family:'MonzoSansR', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:normal; font-size:16px; =
line-height:24px; color:#112231; margin-bottom: 10px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/3Q44X6HSr6KobFwNYEFXmw~~/AAAHahA~/Cq=
dFCZw4DIxm_tsRfCd5QPd9T15R8bdpIJKyilShNVR3Z4EhrWBvKk_Rvdinehkzh6bkJbS4ROE=
YhysIZ8nWWW2EDKpYzfMcoi6idJFmnCnQPEVfXi1mZ3CxxZx_ykbVp4A1dOxJupLBPL4n9NTX=
Hv_S9WiiEd-dnNsfjrr1-u_mAqZ7i2XlxQ-e8bo-uaq1" target=3D"_blank" =
style=3D"color:#218FB7; text-decoration:underline; font-inherit: =
inherit;">=0A=
Digital Wallet =
Terms & Conditions </a>=0A=
</li>=0A=
</ul>=0A=
</td>=0A=
</tr>=0A=
<!-- Terms End -->=0A=
=0A=
<!-- Outro Start -->=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-0" =
align=3D"left" style=3D"padding:0px 0px 20px 0px;">=0A=
<p class=3D"p darkmodeFont1" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
If you don't agree to =
these changes, you can let us know and we'll close your account =
fee-free. If we don't hear from you by the 16 May 2026, we'll assume =
you're happy and accept the changes we've made.=0A=
<br><br>=0A=
Thanks,<br>=0A=
The Monzo team=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
<!-- Outro end -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Message End -->=0A=
<!-- Module 2 Hero End -->=0A=
<!-- Module 5 Tertiary Module Icon Support Start =
-->=0A=
<!-- Module 5 Tertiary Module Icon Support Start =
-->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth darkmode" =
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style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#ffffff">=0A=
<tr>=0A=
<td =
style=3D"border-radius:25px;padding-top:30px;padding-bottom:30px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<td class=3D"pl-25" =
style=3D"padding-left:40px;">=0A=
=0A=
</td>=0A=
<td align=3D"center" =
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<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
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<!-- Modules Start -->=0A=
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style=3D"padding-right:30px;background-color: =
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<table align=3D"left" =
class=3D"fullWidth" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<tr>=0A=
<td width=3D"70">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<tr>=0A=
<td =
class=3D"pt-15 darkmodeFont3" style=3D"font-family:'MonzoSansEB', =
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sans-serif;font-weight:normal;font-size:24px;line-height:28px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:center;padding:0px 0px 25px =
0px;font-weight:800;">=0A=
=
We're an authorised and <br class=3D"hide-mobile"> regulated bank=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td>=0A=
=
<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
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=
<tr>=0A=
=
<td class=3D"mobile fullWidth pb-25" valign=3D"middle" =
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=
<a =
href=3D"https://clicks.monzo.com/f/a/W5YEp4E4ZcyC31xFWq52OQ~~/AAAHahA~/U9=
CF9n7eZ63rXkANCQ6GVj7lrIsizvTJH1mpRo5L5MEKHHK6vgkanYubaymheKc-k1QYaSWi52y=
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=
<img align=3D"center" =
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bicubic; border:none; display:block;max-width:201px;" width=3D"201" =
alt=3D"Best British Bank 2025">=0A=
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</a>=0A=
=
</td>=0A=
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<td width=3D"20" class=3D"hide-mobile">=0A=
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</td>=0A=
=
<td class=3D"mobile fullWidth" valign=3D"middle" align=3D"center">=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/aGrz57Q4Y3zAqZ51VH4fQQ~~/AAAHahA~/Eo=
WQKVwQiM_YfX2QTLAn3UFxw-HTN7kxsoa8Dlm_ueNxJbDtorIg8CGX_q2F4h-7JP6Ce9xB_qO=
rrb0OuO2ajxOF3pkUmY5FqkopKOyOYSY~" target=3D"_blank">=0A=
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<img align=3D"center" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/688b7be2e7def60880310b99/original.png?1753971682" border=3D"0" =
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bicubic; border:none; display:block;max-width:157px;" width=3D"157" =
alt=3D"Best Credit Card 2024">=0A=
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Monzo Bank Limited is a company registered in England and Wales =
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