Monzo

Closing the account does not close the file: money-laundering and tax rules keep identity and transaction records for years, and “where permitted by law” covers the rest. The stickiest holds are the statutory ones no request can move.

THE FINE PRINT IN FULL →

ID verification

Monzo routes identity checks to:

• Jumio PURE VERIFIER PROCESSOR THEIR STATED RETENTION Up to 3 years or until purpose satisfied. Clients can enforce auto-delete.

Provider terms from their published policies, read August 2026.

DÆTRAX is a personal data accountability ledger: a dated record of which companies hold your personal data, what you asked them to do about it, and what they claimed in reply. Track Monzo on your record →