Monzo Change of Address: How to Update Your Details (2026)

To change your address with Monzo, open the app, tap your profile picture in the top left, tap the Settings cog, tap your name at the top of the screen, then tap your address under Contact details. Confirm using your PIN, fingerprint or face ID. Monzo is an app-only bank with no branches and no telephone banking line, all address changes are handled in the app. If Monzo cannot validate your new address automatically, they may ask for proof of address dated within the last three months. You can also use Moveinout to notify Monzo alongside thousands of other providers in one process.

Why does updating your Monzo address matter when you move?

Monzo holds your registered home address on your account. While Monzo is a digital bank and does not send physical monthly statements by default, your address is used to verify your identity, send replacement cards, and comply with financial regulations that require banks to hold accurate customer records.

An outdated address creates several problems. A replacement card sent to an old address is a security risk. Any physical correspondence Monzo does send, including confirmation letters for certain transactions or regulatory notifications, will go to the wrong property. An address that does not match your current location also creates a discrepancy on your credit file, which lenders check during applications for mortgages, loans and credit cards.

Beyond the practical concerns, post arriving at a former address bearing your financial details is one of the main routes for previous occupier fraud. Keeping your Monzo address current is one of the simplest and quickest pieces of moving admin you can complete on moving day.

How do you change your address in the Monzo app?

The following steps are verified directly from monzo.com/help/account-and-profile/update-home-address.

Does Monzo ask for proof of address?

Not always, but sometimes. Monzo states on their help page that they will only ask for proof of address when they need it to safely update your details. If their system can validate your new address automatically, the change goes through without any additional steps.

However, if they cannot validate it automatically, for example if the app cannot find the address in their system, they will ask for a proof of address document dated within the last three months. Monzo accepts the following:

• Utility bill
• Bank statement
• Council tax bill
• Tenancy agreement

Once Monzo has checked any documents required, they will update your address and, if needed, send a replacement card to your new address. The overall process is straightforward even when documents are requested, as it is handled entirely through the app without needing to visit a branch or make a phone call.

How do you update your Monzo card delivery address?

Updating your registered home address and updating your card delivery address are two separate processes in Monzo. If you change your home address in the app, Monzo will send a replacement card to the new address if one is needed. However, if you specifically need to update the delivery address for a replacement card that is already in the process of being sent, the steps are different.

To update your card delivery address:

1. Tap Help in the Monzo app menu bar
2. Search for Updating your delivery address
3. Tap Get in touch at the bottom of the article

What about joint accounts?

Monzo joint accounts work differently from traditional joint bank accounts. Each account holder has their own individual Monzo profile, and the address linked to a joint account is tied to each holder's personal details independently. Updating your own address through your profile does not automatically update the address for the other joint account holder.

If you are moving home as a couple or with a partner and you both hold a Monzo joint account, each person needs to update their own address separately through their own Monzo app.

Does Monzo have a phone number or branch for address changes?

No. Monzo is a fully digital bank. It has no physical branches and no telephone banking line. All account management including address changes is handled through the app. This is a fundamental difference from traditional high street banks and is worth knowing before you move, so you are not looking for a phone number or branch that does not exist.

If you need support with your address change and the in-app steps are not working, contact Monzo through the in-app chat. Tap Help in the app menu, then Message us. Monzo's support team will respond through the app.

How long does a Monzo address change take?

When the address change is validated automatically, the update is typically applied promptly within the app. If Monzo requests proof of address, the change is completed once they have reviewed the documents you provide through the app. Monzo states they will update your details and send a replacement card to the new address if needed once the check is complete.

Notifying Monzo alongside all your other providers

Monzo is one organisation on a longer list of address updates every home mover needs to complete. Your council, HMRC, the DVLA, your energy supplier, your GP, your dentist and dozens more all need your new address. None of them communicate with each other, and each has its own separate process.

Moveinout is a UK change of address notification service covering over 9,000 organisations across 24 provider categories. You enter your details once, select who needs to know, and Moveinout dispatches notifications to each provider on your behalf. A dashboard shows which providers have been notified, helping you track progress throughout your move.

What happens if you do not update your Monzo address?

• Card delivery failures: When your Monzo card expires, Monzo sends the replacement to your registered address. An outdated address means your new card arrives at a property you no longer live at, leaving you without access to your account until you resolve it.
• Identity verification issues: Monzo uses your registered address as part of identity verification. An outdated address can cause complications if Monzo needs to verify your identity for new products, account changes, or regulatory checks.
• Credit file discrepancy: Lenders check address consistency across all your financial accounts during credit applications. A Monzo address that does not match your current address creates an inconsistency that can slow down or complicate future mortgage, loan or credit card applications.
• Fraud risk from misdirected post: Any physical Monzo correspondence sent to your old address, replacement cards, letters, notifications, arriving at a property you no longer occupy is a risk of previous occupier fraud.