Ultimately, your issuer likely has the ability to close your account at any time. Can you pay off a 72 month car loan early? Keep in mind that regardless of the reason your account was closed, if you owe money on your card, you still need to pay back the debt. Box 30963, Oakland, CA 94604, Image: Man on computer looking up how to reopen a closed credit card account. Perhaps they just havent sussed that yet, For me this is a very weird quirk if these neobanks. And yet, Im likely same demographic tbf. Your account must have been closed for 30 days before we can reopen it, and we need to be able to prove your identity before proceeding. I closed my account and returned to Monzo! I dont think @BethS is responsible for responding to emails. If your account had significant unpaid fees, checking account reporting companies can pass this information onto new financial institutions where you might not be able to open a new account. It can store single-byte and multibyte characters. Call the issuers customer service line4. I have used Monzo at least 5x to get switching offers at this point, lmao. Other customers seem to have had their email responded to however I emailed them a handful of times and have had no help what so ever, not even a reply! Now 3 years Reading time: 12 mins If you dont have the card anymore, you might be able to find a phone number on the issuers website or an old credit card statement. Balance transfers. I re-installed the Monzo App on my phone, on the login page it will let you contact the team on live chat, if you just pop in there that you closed your account and you want to return to Monzo they should be able to help you from my experience doing it, Powered by Discourse, best viewed with JavaScript enabled. Gather the relevant documentation. Ask for the account to be reopened. "If the account has negative or derogatory information, then the closed account is likely harmful to your credit, and removing it will probably increase your credit score," says David Chami, managing partner for the Price Law Group, a debt relief agency. The online bank is freezing accounts is because they believe there is suspicious,- and under money laundering regulations, it does have the right to freeze and close an account. Monzo Bank Limited is a company registered in England and Wales (No.