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Comment by storstampso | Hacker News Reader

> When we reach to their support they can't tell us why.

This is partly due to a stupid law that forbids banks from letting the account holder know of anything if "financial crime" is suspected (of course, financial crime is totally fine when it's done by the ruling class).

I'm not sure if the law technically applies given that the account isn't even open but I would expect the same "financial crime" checks to be run upon initial account opening too.

The problem is that ultimately it's not just racism but a result of dumb legislation.

Have you been in the UK for at least 3 years?

Is it required? A friend of mine got his monzo account the moment he got his visa and moved in the UK.

edit: And to answer your question, I just moved here, I got a tier 2 visa and a UK address

A friend of mine who's lived in South Korea and China for the past ten years tried to open a Monzo account and they denied him without reason. I suspect it's because he hasn't had any credit history in the UK for the past ten years. So suspect lack of credit history is a big factor. Which makes sense, but it does make it useless to a lot of people. Especially given you have to apply to enable the credit features anyway

It helps. No credit history in the UK means you may fail credit checks depending on their criteria.

I would not throw the r word around every time a commercial/credit decision is not what you wished for.

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