What exactly is the MONZO PLUS* charge on my statement?

The MONZO PLUS* charge is the monthly subscription fee for Monzo Plus, Monzo's premium banking tier. It currently costs £5 per month and is billed automatically on your renewal date.

Why does the charge show as MONZO PLUS* instead of just Monzo?

Payment processors often truncate or format merchant names differently. MONZO PLUS* is simply how Monzo Plus's subscription billing appears on external bank statements, distinguishing it from standard Monzo transactions.

Can I get a refund on a MONZO PLUS* charge?

Monzo may offer a refund if you cancelled Monzo Plus but were still charged, or if the subscription was set up without your knowledge. Contact Monzo support via in-app chat to request a review.

How do I cancel Monzo Plus to stop the MONZO PLUS* charge?

Open the Monzo app, go to Account > Monzo Plus, and select the option to downgrade or cancel your plan. Once cancelled, no further MONZO PLUS* charges should appear after the current billing period ends.

How do I stop future MONZO PLUS* charges if I don't want the subscription?

Cancel your Monzo Plus subscription directly through the Monzo app before your next renewal date. If the charge persists after cancellation, contact Monzo support immediately and escalate to a chargeback if needed.

Home›Browse Charges›Banking›MONZO PLUS*

MONZO PLUS* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "MONZO PLUS*" charge is from Monzo Plus. Monzo Plus premium bank account UK.

🌍 GB✅ Verified by 1 user🕐 8 min read📅 Updated May 22, 2026

Monzo Plus

Monzo Plus premium bank account UK.

MONZO PLUS*

Why this shows on your statement

When Monzo Plus processes its monthly £5.00 subscription fee for its premium UK bank account service, the charge is submitted through card payment networks using a truncated merchant descriptor format, which is why your statement shows "MONZO PLUS*" rather than the full product name. The asterisk in the descriptor is a common formatting character used by payment processors to separate the merchant name from additional billing reference data, such as a transaction ID or account identifier, though this secondary information may be cut off depending on your bank's statement display. Seeing "MONZO PLUS*" on your statement confirms you are being billed for your active Monzo Plus membership, which provides premium features on top of the standard free Monzo current account.

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What should you do?

Confirm your Monzo Plus subscription

Log into your Monzo app and navigate to your account settings to verify that you are actively subscribed to Monzo Plus. The MONZO PLUS* charge is a legitimate recurring fee for the Monzo Plus premium bank account in the UK, so check that the amount matches your expected subscription cost.

Review your Monzo Plus billing date

Inside the Monzo app, check the billing section under your Monzo Plus membership details to confirm the charge date aligns with your regular monthly billing cycle. If the MONZO PLUS* charge appears at an unexpected time or for an unexpected amount, contact Monzo support directly through the app's help chat.

Assess whether Monzo Plus still suits your needs

Take a moment to evaluate whether you are making use of the premium features included with Monzo Plus, such as virtual cards, cashback, and travel perks. If you feel the MONZO PLUS* subscription is no longer providing value, consider whether downgrading or cancelling is the right choice for you.

Cancel Monzo Plus if needed

If you no longer want to be charged the MONZO PLUS* fee, you can manage or cancel your Monzo Plus subscription by visiting monzo.com/settings or going directly to the settings section within the Monzo app. Cancelling before your next billing date will prevent future MONZO PLUS* charges from appearing on your statement.

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How to cancel Monzo Plus

Monzo Plus bills you Monthly. To stop future charges, cancel from your account directly.

Cancel at Monzo Plus

ℹ️ International processing

This charge is processed in GB. You may see a foreign transaction fee from your bank (typically 1-3%).

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Should you be worried?

No, this is a legitimate charge from Monzo Plus. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

Is the MONZO PLUS* Charge Legitimate or Fraud?

If you see MONZO PLUS* on your bank statement, it is most likely a legitimate charge from Monzo Plus, the premium subscription tier offered by the UK-based digital bank Monzo. This charge appears when you or someone with access to your account has subscribed to Monzo Plus, which offers perks such as custom card colours, higher interest on pots, and credit tracking tools.

Monzo Plus is a paid monthly subscription billed directly by Monzo, appearing as MONZO PLUS* on statements
The charge is recurring — it will appear every month on the same date you originally subscribed
A free trial or promotional period may have ended, triggering the first MONZO PLUS* billing
A household member or partner may have signed up for Monzo Plus using a shared payment method

How to Verify the MONZO PLUS* Charge

1
Log into your Monzo app
Open the Monzo app and navigate to your account settings. Check whether your account is listed as Monzo Plus — a gold or holographic card design is a clear indicator.
2
Search your email for Monzo Plus receipts
Search your inbox for emails from Monzo confirming a Monzo Plus subscription. Look for subject lines mentioning 'Monzo Plus' or 'your subscription' around the date of the MONZO PLUS* charge.
3
Check if a household member subscribed
Ask family members or anyone who may have access to your payment details whether they signed up for Monzo Plus, as the MONZO PLUS* charge may have been authorised by someone else.
4
Review your active subscriptions
Go to your bank's app or statement and look at recurring charges. The MONZO PLUS* charge should appear monthly at a consistent amount, currently £5/month for Monzo Plus.
5
Contact Monzo support
If you cannot verify the MONZO PLUS* charge yourself, contact Monzo directly via in-app chat. They can confirm whether a Monzo Plus subscription is linked to your account.

How to Dispute a MONZO PLUS* Charge

1
Act within 60 days
If you believe the MONZO PLUS* charge is unauthorised, act quickly. Most banks and card networks require disputes to be raised within 60 days of the charge appearing on your statement.
2
Contact Monzo Plus directly first
Reach out to Monzo through the in-app chat and explain that you do not recognise or did not authorise the MONZO PLUS* charge. Monzo may issue a refund if the subscription was set up in error.
3
File a chargeback with your card issuer
If Monzo does not resolve the issue, contact the bank or card provider that was billed for the MONZO PLUS* charge and request a formal chargeback, citing an unauthorised recurring transaction.
4
Request a new card if fraud is suspected
If you believe someone fraudulently signed up for Monzo Plus using your payment details, ask your bank to cancel the compromised card and issue a new one to prevent further MONZO PLUS* charges.

Tips for Managing Monzo Plus Charges

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Enable transaction alerts in your banking app so you're notified immediately whenever a MONZO PLUS* charge is processed.

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Keep a record of your Monzo Plus subscription start date so you can anticipate and verify each monthly MONZO PLUS* charge.

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Regularly review your Monzo Plus account settings to confirm your subscription status and the payment method on file.

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Note your Monzo Plus billing date each month — charges recur on the same day, making it easy to spot unexpected MONZO PLUS* entries.

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If you cancel Monzo Plus, screenshot the confirmation to protect yourself if a MONZO PLUS* charge appears after cancellation.

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Use WhatIsThisCharge.net to identify any other unfamiliar charges that appear alongside MONZO PLUS* on your statement.

ℹ️ Note

In most cases, a MONZO PLUS* charge is a completely legitimate monthly fee for an active Monzo Plus subscription — if you see it, simply log into your Monzo app to confirm your plan status and ensure you're making the most of your premium benefits.