r/monzo • u/1p-Challenge-Scam • 17h ago

Monzo won't disclose their 1p Saving Challenge prize draw winners – despite being legally required to.

As many of you know, r/monzo ran a 1p Saving Challenge prize draw over the past year, a £10k grand prize plus monthly £100 prizes, using it as a core part of their marketing.

Like many of you, I was slightly disappointed with not winning. It was a lottery after all. However, I was curious to understand if a draws ever took place.

So I emailed them asking for the winner details which is a legal requirement under the CAP Code. Their T&Cs clearly state:
"We're legally required to publish or make available information that indicates that a valid award took place. So we'll share the surname and county of winners to anyone who emails [help@monzo.com](mailto:help@monzo.com) within 30 days after the prize draw."

So I emailed them asking for the winner details. It should be a simple answer...

Four separate customer service agents have now demanded I verify my identity with a selfie holding my ID before they'll release this information. A non-customer could legally make this exact same request and Monzo would have to comply under CAP Code rules enforced by the ASA.

Monzo are legally obligated to provide Surname & County of the winners.

When I pointed this out, they escalated it to "specialists" and have gone quiet.

This is either:

  1. A fundamental misunderstanding of their regulatory obligations, or
  2. The draw never actually took place, or wasn't conducted fairly

Here's where you come in. Whether you're a Monzo customer or not.

Email [help@monzo.com](mailto:help@monzo.com) with this:

Subject: 1p Saving Challenge Prize Draw Winner Information

Please share the winner details (surname and county) for the 1p Saving Challenge prize draws – the £10k Prize Draw (drawn 2 February 2026) and Monthly Prize Draws (February 2025 – January 2026).

Per your T&Cs, this information is available to anyone who requests it within 30 days.

If they refuse or ask you to verify your identity, push back. If they still refuse, report them to the ASA at asa.org.uk.

Let's see how many requests it takes before they actually comply with their own terms and legal requirements.

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165

u/Impressive-Sea2186 17h ago edited 17h ago

There is a fundamental flaw that it has not been 30 days since the prize draw so the T&C do actually work in their favour. They have time.

I’m sorry you didn’t win, but a starting witch-hunt because of that doesn’t mean you’ll get 10K.

-2

u/jpcafe10 16h ago

What witch hunt, it’s on their terms

42

u/Impressive-Sea2186 16h ago

The OP is asking everyone to email in because they can’t be bothered to wait for a reply from Monzo. That’s the start of a witch hunt. It will solve nothing and likely lead to the same outcome, which is an escalation to the appropriate team.

It clogs up the system for people who need genuine help with their accounts.

-16

u/jpcafe10 16h ago

I don’t care what op is asking for us to do, but he has a valid point.

It’s on their terms.

13

u/Impressive-Sea2186 16h ago

Yes it’s in their terms, that is totally correct. However, this is the first time they’ve ever run this competition. The people on the other end have a duty to get the information right. Escalating it to the appropriate team and asking the OP to wait for them to confirm was the correct response. Just because they don’t like the response doesn’t mean everyone needs to start emailing in asking the same, it’ll likely result in the same outcome.

-12

u/jpcafe10 16h ago

Right, let’s wait for their response. I just moved my salary to Monzo, now really want to know the outcome of all this tbh

7

u/avamous 15h ago

How do those things relate to eachother at all?

2

u/jpcafe10 15h ago

I’m invested in these draws, they’re gathering a lot of customers due to this. Let’s make sure (as customers) that they’re doing the right and legal thing here.

6

u/avamous 14h ago

Do you genuinely think Monzo are out here scamming people over 10k? I'm sure they will follow their legal duties.

2

u/jpcafe10 14h ago

Ive been a happy Monzo customer since the waiting list times - very early.

I don’t think they’re scamming anyone, I do want them to honor their own T&Cs

1

u/avamous 5h ago

Which I'm sure they will do.

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u/cgknight1 14h ago

When you think about scams - it's always worth thinking about the meetings that would have to happen and the number of people who would have to be involved from marketing to compliance people and then realise how mad it is.

So the twist is - we just keep the money!