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Act fast to protect your money
If you lose your Monzo or Revolut card, the first step is to freeze it in the app straight away. This stops most card payments and helps reduce the risk of anyone using it.
If you are not sure whether it is lost or stolen, freezing the card gives you time to check safely. You can usually unfreeze it later if you find it.
Report the card missing in the app
Both Monzo and Revolut let you manage your card from the app. Go to your card settings and report it as lost or stolen, then follow the prompts to block it.
This is usually the fastest way to make sure the card cannot be used. If you think your phone has also been compromised, change your app password and secure your device too.
Check for recent transactions
Look over your recent spending to see if anything looks unfamiliar. If you spot a payment you did not make, report it to the bank as soon as possible.
Both providers have in-app tools to dispute card payments or raise a complaint. Acting quickly gives you the best chance of getting support and recovering any money if the transaction was unauthorised.
Order a replacement card
Once the old card is blocked, you can usually order a new one in the app. Replacement cards may take several days to arrive, depending on the delivery option you choose.
Until the new card turns up, you can often still use Apple Pay or Google Pay if your digital card details are active. This can make it easier to pay for travel, shopping, or emergencies.
Update card details where needed
If the missing card was linked to subscriptions or online accounts, remember to update those details once your replacement arrives. This includes services like streaming apps, delivery accounts, and utilities.
Keeping your payment details up to date helps avoid missed payments or failed renewals. It is a good idea to make a quick list of services that use the card.
Watch out for scams
If your card is lost, be careful about messages or calls claiming to be from your bank. Monzo and Revolut will not ask you to move money to a “safe account” or share your full PIN.
Only use the official app or the bank’s website to deal with the missing card. If you receive suspicious contact, report it and do not click any links.
Contact support if you need help
If you cannot access the app, or if your card has been stolen along with your phone, contact customer support straight away. They can help block the card and secure your account.
If there has been fraud or you are worried about identity theft, consider contacting Action Fraud in the UK as well. Keep any emails, screenshots, or transaction details in case you need them later.
Frequently Asked Questions
If you notice Monzo or Revolut card loss, freeze the card in the app right away, check recent transactions, and report the loss so the card cannot be used further. If you think the card was stolen, also consider contacting support and, if needed, the police.
After Monzo or Revolut card loss, open the app and use the card controls to freeze or lock the card instantly. This blocks most card payments while you decide whether to replace it or unfreeze it if the card is found.
To report Monzo or Revolut card loss, open the card section in the app, choose the lost or stolen card option, and follow the prompts to block it and request a replacement. The exact steps may vary slightly by provider and app version.
Yes, Monzo or Revolut card loss does not usually stop access to your account or app. You can still manage money, make transfers, and use other payment methods while the lost card is frozen or replaced.
If Monzo or Revolut card loss leads to unauthorized card spending, you should report it as soon as possible. Whether you are refunded depends on the circumstances, how quickly you reported it, and the outcome of the fraud review.
After Monzo or Revolut card loss, replacement times depend on your location and the delivery option available. Many replacements arrive within a few days, while express delivery may be available in some cases.
Usually, yes. After Monzo or Revolut card loss, a replacement card is typically issued with a new card number, expiry date, and security code to help protect your account.
If Monzo or Revolut card loss turns out to be a false alarm and you find the card, you may be able to unfreeze it in the app if the card was only locked. If the card was cancelled and replaced, you will need to use the new card instead.
After Monzo or Revolut card loss, the frozen or cancelled card should stop most in-person and online card payments. Some linked services or pre-authorized payments may need updating once a replacement card is issued.
Yes, after Monzo or Revolut card loss and a replacement card is issued, you may need to update subscriptions and saved card details if they do not automatically transfer. Check recurring payments to avoid failed charges.
After Monzo or Revolut card loss, review your recent transactions in the app and look for anything you do not recognize. Report suspicious payments immediately so the provider can investigate and, if appropriate, reverse them.
If Monzo or Revolut card loss happens abroad, freeze the card in the app immediately and request a replacement. If you need cash or a payment method urgently, contact support to ask about available options.
If you freeze or cancel the card after Monzo or Revolut card loss, contactless payments should no longer work. Acting quickly reduces the chance of someone making small tap-and-go purchases.
If Monzo or Revolut card loss appears to involve theft or you believe your wallet was stolen, it can be helpful to contact the police and obtain a crime reference number. This may support fraud investigations or insurance claims.
To replace a card after Monzo or Revolut card loss, use the app to report the card as lost or stolen and request a replacement. Follow the prompts to confirm your address and delivery preferences if required.
Monzo or Revolut card loss usually does not affect direct debits linked to your bank account, because they are paid from the account rather than the card. However, card-based recurring payments may need to be updated with the new card details.
After Monzo or Revolut card loss, freeze the card quickly, change any card details saved on online merchants if needed, and monitor your account for suspicious activity. Keeping app notifications on can help you spot issues early.
If Monzo or Revolut card loss was caused by theft, report the card stolen rather than simply misplaced. This helps prioritize security steps, block the card, and investigate any unauthorized use more effectively.
Yes, in many cases you can continue using a virtual card or digital wallet after Monzo or Revolut card loss if it is separate from the physical card. Check the app to confirm what payment methods remain active.
Support for Monzo or Revolut card loss is usually available through in-app chat, help articles, and card management tools. If you are concerned about fraud or urgent access, contact support as soon as possible.
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