File: D:/hMailServer/Data/sarahharvey.com/bob/17/{17634809-76A3-4B8D-84E5-86E1DE135045}.eml
Received: from zl6famgl.email.monzo.com (zl6famgl.email.monzo.com [223.165.125.8])
by mail.itpartnership.com with ESMTPS
(version=TLSv1.2 cipher=ECDHE-RSA-AES128-GCM-SHA256 bits=128)
; Wed, 27 Aug 2025 18:38:08 +0100
Received: from [10.95.199.107] ([10.95.199.107])
by i-050a3028de58ca4d2.mta3vrest.sd.prd.sparkpost (ecelerity 5.1.0.74589 r(msys-ecelerity:tags/5.1.0.6)) with REST
id 26/58-11859-F724FA86; Wed, 27 Aug 2025 17:38:07 +0000
Reply-To: <no-reply@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: =?utf-8?Q?We=E2=80=99ve_updated_our_terms_and_cond?=
=?utf-8?Q?itions_and_privacy_notice?=
Date: Wed, 27 Aug 2025 18:38:07 +0100
Message-ID: <26.58.11859.F724FA86@i-050a3028de58ca4d2.mta3vrest.sd.prd.sparkpost>
MIME-Version: 1.0
Content-Type: multipart/alternative;
boundary="----=_NextPart_000_082C_01DC1DA5.DDAE28A0"
X-Mailer: Microsoft Outlook 16.0
X-MSFBL: fPSZemw/4pfvV1cb8tUowSsthI5b4wFsl5y7tdbp930=|eyJzdWJhY2NvdW50X2l
kIjoiMzg4IiwiciI6ImJvYkBzYXJhaGhhcnZleS5jb20iLCJ0ZW5hbnRfaWQiOiJ
zcGNldSIsImN1c3RvbWVyX2lkIjoiMTg5OCIsIm1lc3NhZ2VfaWQiOiI2OGFjN2Y
0MmFmNjg5ZDc0MDU2MiJ9
Thread-Index: AQEn9VK8EMI5hTnQHkKVGQBB0sXwtw==
X-OlkEid: 00000000CC09373165EA424894A88D7C135300090700C3B68E10F77511CEB4CD00AA00BBB6E600000000000B0000F3CAA7D39DC9FE498D8F5D237175EB7800000000739B00002EF77A0CF7A38F48A049271D4BC1A4E9
This is a multipart message in MIME format.
------=_NextPart_000_082C_01DC1DA5.DDAE28A0
Content-Type: text/plain;
charset="utf-8"
Content-Transfer-Encoding: 8bit
The most important things are in this email
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/RPcdYolt8WgAkU6U1TnyJg~~/AAAHahA~/tuCYCaxVlYTjakfelA46IEbveAeUk56uM9oAj0b1YqNvJdbwDq4XRiyg0jRlVDywhozCyW52Spf4LvByzKRw7ocEi8hi-4XcyMZy2eYhPvk~>
We’ve updated our terms and conditions and privacy notice
Hello Robert,
We’ve made changes to a few of our services.
We’ve included a summary of the changes that apply to you in this email. You
can also learn more in the personal account summary
<https://clicks.monzo.com/f/a/39HjRq0HZ1hL3rUTPanYOg~~/AAAHahA~/Q8eLTf7Mm8jsbtAEv6FGBs4ZQNZkydJ5sU1XpDmzsRKddqvbcQdWfpvq1WzYxmqEuYA89-1bwby-VS7Gia6TqOnKRXSCacQfMoA8bS3as0s5ZGdFiKESW6UhB6_puBdcE4PLDrE-s-ZoPiBtVnU77WOOzkk_v1NuPh136e7LTW_9HGLU3A1VBO3nMIjCBRYv6Xt6jtcP5NtFlL0lPjGVew~~>
or in the links below.
Updates that you should know about
* We made updates to make it clearer how we use your data. We use data to
make the app safer and to make your Monzo experience more relevant and
useful.
* You can earn cashback from us when you perform certain actions or shop at
certain merchants using your Monzo personal account.
* We’re updating our Fee Information Documents to amend fee limits on
international outbound payments. We’re also making it clearer that this
document is not part of our Ts&Cs and can change at any time so we’re always
showing you the right fees.
* We may freeze or cancel your card to protect you and your account if we’re
worried about potential fraud.
* We’ve made it clearer that we can make changes to some terms and
conditions with 30 days’ notice.
Legal documents
We've also updated our terms and conditions and privacy notice to reflect
these changes. You can find past versions on our website.
Monzo Current Account Terms and Conditions - v2.7
<https://clicks.monzo.com/f/a/EZYZGZ5KYBqxu5bDlIlqVg~~/AAAHahA~/Z_8vEIE5fkAciFFVNaH1GyswZb7RX84X6CdZUCtOmdKNuULhO9aKxBuUO6E782oTZdBWqUytzmG0shR-O7pqDtdN2dSeue8US1oTfh30ODpahtY7tarIoTvTtn3tFJv5KJYvmni_FF3ZbYqwwDOAROd0QsOhp7g8yuTwzcWFJXnCi-exCodohRvdZFXLjasU>
Monzo Fee Information Document - v1.9
<https://clicks.monzo.com/f/a/8gXyhFuNvBcwxSvxL8ydjg~~/AAAHahA~/bYvg01V--5b8rKCLBRThw8-FtLbxD0kqMkpgv0BFOU3GbcHqAcu4mRDtPiHSIuCrcnBtJriKkNNKm5vQSdyXU9RHm0vDFkTHF6loDkGro4SDnjiAkpQwqTeUgk3HHNlYHUGyUa76GyO-jda5Fb22yHRgSfMThpdT9hPw4i2WfnqJNacFkks2wCzFPp7N2gJMQhng9yYUeGf3iCfyr3FGUg~~>
Monzo Current Account Privacy Notice - v2.0
<https://clicks.monzo.com/f/a/ig0PYFwyDr2koDVvRv-DKA~~/AAAHahA~/CsaL0G1kf-rk0fmBX15t62DOBoQzdsxOlOxOiNrH9udh05xoKm6kh1pukG5cEp7DcF1ql-VuvxmnxhSwtVs37qblD7AzUbyy3QHJlbLt_NTyMMwbrq-o2FDGtCAtsh6nAn44-Et94JkR6UvaYSN-5Q~~>
If we don’t hear from you before 27th October 2025, we’ll assume you accept
the changes.
Thanks,
The Monzo Team
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
(PRA) and regulated by the Financial Conduct Authority and the PRA. Our
Financial Services Register number is 730427
<https://clicks.monzo.com/q/5seMiKdFzFu0fNHJuddi2Q~~/AAAHahA~/YIYOQbucxHrXHOg2tdur9Ompdqiz9yHGWCiygQqSu8-ca85ZifqlmBXe58d9ZmgkFZccIqBbZvv5t3aSKZbmWw~~>
------=_NextPart_000_082C_01DC1DA5.DDAE28A0
Content-Type: text/html;
boundary="_----y63+1ajen/EdJkoi7iXffw===_34/58-11859-F724FA86";
charset="utf-8"
Content-Transfer-Encoding: quoted-printable
<!DOCTYPE html>=0A=
<html xml:lang=3D"en" lang=3D"en" xmlns=3D"http://www.w3.org/1999/xhtml" =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office">=0A=
=0A=
<head>=0A=
<meta http-equiv=3D"Content-Type" content=3D"text/html; =
charset=3DUTF-8">=0A=
<meta name=3D"viewport" content=3D"width=3Ddevice-width, =
initial-scale=3D1, maximum-scale=3D1, user-scalable=3Dno">=0A=
<meta http-equiv=3D"X-UA-Compatible" content=3D"IE=3DEdge">=0A=
<meta name=3D"format-detection" content=3D"telephone=3Dno, =
date=3Dno, address=3Dno, email=3Dno">=0A=
<meta name=3D"x-apple-disable-message-reformatting">=0A=
=0A=
<meta name=3D"color-scheme" content=3D"light dark">=0A=
<meta name=3D"supported-color-schemes" content=3D"light dark">=0A=
=0A=
<style type=3D"text/css">=0A=
:root {=0A=
color-scheme: light dark;=0A=
supported-color-schemes: light dark;=0A=
}=0A=
</style>=0A=
=0A=
<style type=3D"text/css">=0A=
@media {=0A=
@font-face {=0A=
font-family: 'MonzoSansEB';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansDisplay-ExtraBold.woff2) =
format('woff2');=0A=
font-weight: bold;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansB';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Bold.woff2) =
format('woff2');=0A=
font-weight: bold;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansM';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Medium.woff2) =
format('woff2');=0A=
font-weight: normal;=0A=
font-style: normal;=0A=
}=0A=
=0A=
@font-face {=0A=
font-family: 'MonzoSansR';=0A=
src: =
url(https://monzo.com/static/fonts/MonzoSansText-Regular.woff2) =
format('woff2');=0A=
font-weight: normal;=0A=
font-style: normal;=0A=
}=0A=
}=0A=
</style>=0A=
<style>=0A=
@media screen and (max-width:750px) {=0A=
.wMobile {=0A=
width: 95% !important;=0A=
}=0A=
=0A=
.wInner {=0A=
width: 90% !important;=0A=
}=0A=
=0A=
.wFull {=0A=
width: 100% !important;=0A=
}=0A=
=0A=
.imgFull {=0A=
width: 100% !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.desktop {=0A=
width: 0 !important;=0A=
display: none !important;=0A=
}=0A=
=0A=
.mobile {=0A=
display: block !important;=0A=
}=0A=
=0A=
.std {=0A=
font-size: 18px !important;=0A=
line-height: 28px !important;=0A=
}=0A=
=0A=
.tPad-0 {=0A=
padding-top: 0 !important;=0A=
}=0A=
=0A=
.fullWidth {=0A=
width: 100% !important;=0A=
max-width: 100% !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.width300 {=0A=
width: 100% !important;=0A=
max-width: 300px !important;=0A=
height: auto !important;=0A=
}=0A=
=0A=
.displayNone {=0A=
display: none !important;=0A=
}=0A=
=0A=
.heightAuto {=0A=
height: auto !important;=0A=
}=0A=
=0A=
.textCenter {=0A=
text-align: center !important;=0A=
}=0A=
=0A=
.mPad1 {=0A=
padding: 40px 20px !important;=0A=
}=0A=
=0A=
.mPad2 {=0A=
padding: 25px 20px !important;=0A=
}=0A=
=0A=
.mPadB1 {=0A=
padding-bottom: 20px !important;=0A=
}=0A=
=0A=
.showMobile {=0A=
display: block !important;=0A=
max-height: none !important;=0A=
max-width: none !important;=0A=
}=0A=
=0A=
u+.body .glist {=0A=
margin-left: 0 !important;=0A=
}=0A=
=0A=
@media only screen and (max-width: 500px) {=0A=
u+.body .glist {=0A=
margin-left: 25px !important;=0A=
}=0A=
}=0A=
=0A=
}=0A=
</style>=0A=
=0A=
<style>=0A=
@media (prefers-color-scheme: dark) {=0A=
=0A=
/* Custom Dark Mode Background Color */=0A=
.darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
.darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
.darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Font Colors */=0A=
.darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
.darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
.darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmodeBorder2 {=0A=
border: 1px solid #218FB7 !important;=0A=
}=0A=
=0A=
.darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
.darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
}=0A=
=0A=
/* Custom Dark Mode Background Color */=0A=
[data-ogsc] .darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode {=0A=
background-color: #112231 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode2 {=0A=
background-color: #2C3A43 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode3 {=0A=
background-color: #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Font Colors */=0A=
[data-ogsc] .darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
}=0A=
=0A=
/* Custom Dark Mode Border Colors */=0A=
[data-ogsc] .darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeBorder2 {=0A=
border: 1px solid #218FB7 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorder2 {=0A=
border: 1px solid #218FB7 !important;=0A=
}=0A=
=0A=
[data-ogsc] .darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
=0A=
[data-ogsb] .darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
}=0A=
</style>=0A=
=0A=
<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"darkmode body body-fix" 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=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =
=EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =
=C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =
=CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
=E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =
=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=
=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=
=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" bgcolor=3D"#FFFFFF" =
class=3D"darkmode fullWidth" width=3D"650" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:650px;" role=3D"presentation">=0A=
=0A=
=0A=
=0A=
<!-- Logo Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:45px 40px 20px =
40px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"525" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:525px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"left">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/RPcdYolt8WgAkU6U1TnyJg~~/AAAHahA~/tu=
CYCaxVlYTjakfelA46IEbveAeUk56uM9oAj0b1YqNvJdbwDq4XRiyg0jRlVDywhozCyW52Spf=
4LvByzKRw7ocEi8hi-4XcyMZy2eYhPvk~" target=3D"_blank">=0A=
<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/63243b649248f072e000e529/original.png?1663318884" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;" width=3D"113" alt=3D"Monzo">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Logo End -->=0A=
=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:20px =
20px;">=0A=
<table align=3D"center" =
bgcolor=3D"#F2F8F3" class=3D"darkmode2 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;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;border-radius:20px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" =
class=3D"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=
<tr>=0A=
<td align=3D"center" =
style=3D"padding:10px 20px;">=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"525" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:525px;" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"middle" =
style=3D"font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-weight:bolder;font-size:20px;line-height:28px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:25px 0px 35px =
0px;">We=E2=80=99ve updated our terms and conditions and privacy notice=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;">Hello Robert,=0A=
=
<br><br>We=E2=80=99ve made changes to a few of our services.=0A=
=
<br><br>=0A=
=
We=E2=80=99ve included a summary of the changes that apply to you in =
this email. You can also learn more in the <a =
href=3D"https://clicks.monzo.com/f/a/39HjRq0HZ1hL3rUTPanYOg~~/AAAHahA~/Q8=
eLTf7Mm8jsbtAEv6FGBs4ZQNZkydJ5sU1XpDmzsRKddqvbcQdWfpvq1WzYxmqEuYA89-1bwby=
-VS7Gia6TqOnKRXSCacQfMoA8bS3as0s5ZGdFiKESW6UhB6_puBdcE4PLDrE-s-ZoPiBtVnU7=
7WOOzkk_v1NuPh136e7LTW_9HGLU3A1VBO3nMIjCBRYv6Xt6jtcP5NtFlL0lPjGVew~~" =
target=3D"_blank" =
style=3D"text-decoration:underline;color:#218fb7;font-family:'MonzoSansB'=
, Arial, Helvetica, sans-serif;font-weight:bold;">personal account =
summary</a> or in the links below.=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansB', Arial, Helvetica, sans-serif;=0A=
font-weight:bold;font-size:14px;line-height:22px;=0A=
mso-line-height-rule:exactly;color:#111111;=0A=
text-align:left;padding:20px 0px 0px 0px;">=0A=
=
Updates that you should know about=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, sans-serif;=0A=
font-weight:normal;font-size:14px;line-height:22px;=0A=
=
mso-line-height-rule:exactly;color:#111111;text-align:left;">=0A=
=0A=
<ul>=0A=
=
<li>We made updates to make it clearer how we use your data. We use data =
to make the app safer and to make your Monzo experience more relevant =
and useful.</li>=0A=
=
<br>=0A=
=0A=
=0A=
=
<li>You can earn cashback from us when you perform certain actions or =
shop at certain merchants using your Monzo personal account.</li>=0A=
=0A=
=
<br>=0A=
=0A=
=0A=
=0A=
=
<li>We=E2=80=99re updating our Fee Information Documents to amend fee =
limits on international outbound payments. We=E2=80=99re also making it =
clearer that this document is not part of our Ts&Cs and can change =
at any time so we=E2=80=99re always showing you the right fees.</li>=0A=
=
<br>=0A=
=0A=
=
<li>We may freeze or cancel your card to protect you and your account if =
we=E2=80=99re worried about potential fraud.</li>=0A=
=
<br>=0A=
=0A=
=
<li>We=E2=80=99ve made it clearer that we can make changes to some terms =
and conditions with 30 days=E2=80=99 notice.</li>=0A=
</ul>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansB', Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:14px;line-height:22px;mso-line-heig=
ht-rule:exactly;color:#111111;text-align:left;padding:20px 0px 0px =
0px;">Legal documents=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;">We've also updated our =
terms and conditions and privacy notice to reflect these changes. You =
can find past versions on our website.=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#218fb7;text-align:left;padding:20px 0px 0px =
0px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/EZYZGZ5KYBqxu5bDlIlqVg~~/AAAHahA~/Z_=
8vEIE5fkAciFFVNaH1GyswZb7RX84X6CdZUCtOmdKNuULhO9aKxBuUO6E782oTZdBWqUytzmG=
0shR-O7pqDtdN2dSeue8US1oTfh30ODpahtY7tarIoTvTtn3tFJv5KJYvmni_FF3ZbYqwwDOA=
ROd0QsOhp7g8yuTwzcWFJXnCi-exCodohRvdZFXLjasU" target=3D"_blank" =
style=3D"text-decoration:underline;color:#218fb7;font-family:'MonzoSansB'=
, Arial, Helvetica, sans-serif;font-weight:bold;">Monzo Current Account =
Terms and Conditions - v2.7</a>=0A=
<br>=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/8gXyhFuNvBcwxSvxL8ydjg~~/AAAHahA~/bY=
vg01V--5b8rKCLBRThw8-FtLbxD0kqMkpgv0BFOU3GbcHqAcu4mRDtPiHSIuCrcnBtJriKkNN=
Km5vQSdyXU9RHm0vDFkTHF6loDkGro4SDnjiAkpQwqTeUgk3HHNlYHUGyUa76GyO-jda5Fb22=
yHRgSfMThpdT9hPw4i2WfnqJNacFkks2wCzFPp7N2gJMQhng9yYUeGf3iCfyr3FGUg~~" =
target=3D"_blank" =
style=3D"text-decoration:underline;color:#218fb7;font-family:'MonzoSansB'=
, Arial, Helvetica, sans-serif;font-weight:bold;">Monzo Fee Information =
Document - v1.9</a>=0A=
<br>=0A=
=0A=
=0A=
=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/ig0PYFwyDr2koDVvRv-DKA~~/AAAHahA~/Cs=
aL0G1kf-rk0fmBX15t62DOBoQzdsxOlOxOiNrH9udh05xoKm6kh1pukG5cEp7DcF1ql-Vuvxm=
nxhSwtVs37qblD7AzUbyy3QHJlbLt_NTyMMwbrq-o2FDGtCAtsh6nAn44-Et94JkR6UvaYSN-=
5Q~~" target=3D"_blank" =
style=3D"text-decoration:underline;color:#218fb7;font-family:'MonzoSansB'=
, Arial, Helvetica, sans-serif;font-weight:bold;">Monzo Current Account =
Privacy Notice - v2.0</a>=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:20px 0px;">If we =
don=E2=80=99t hear from you before 27th October 2025, we=E2=80=99ll =
assume you accept the changes.=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"darkmodeFont2" align=3D"center" valign=3D"top" =
style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:14px;line-height:22px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:20px =
0px;">Thanks,=0A=
<br>=0A=
The =
Monzo Team=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
=0A=
=0A=
<!-- Footer Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px;">=0A=
<table align=3D"center" class=3D"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;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 20px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"525" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:525px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmodeFont2" align=3D"center" =
valign=3D"top" style=3D"font-family:'MonzoSansR', Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:11px;line-height:16px;mso-line-he=
ight-rule:exactly;color:#111111;text-align:left;padding:10px 0px 40px =
0px;">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.<br><br>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 (PRA) and regulated by the Financial Conduct =
Authority and the PRA. Our Financial Services Register number is 730427=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Footer End -->=0A=
=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
=0A=
</div>=0A=
=0A=
<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" =
src=3D"https://clicks.monzo.com/q/5seMiKdFzFu0fNHJuddi2Q~~/AAAHahA~/YIYOQ=
bucxHrXHOg2tdur9Ompdqiz9yHGWCiygQqSu8-ca85ZifqlmBXe58d9ZmgkFZccIqBbZvv5t3=
aSKZbmWw~~">
</body>=0A=
=0A=
</html>
------=_NextPart_000_082C_01DC1DA5.DDAE28A0--