What can I say. It seems that the bank are trying to make it as complicated as possible for the customer. In attempting to offer so much, and "be different", with all this stuff about Pots, I nearly lost the will to live in just trying to close my account. This closure was purely because of the complexities of running the account. Although one can speak to a person, they then refer you on to a chat line to solve the problem. These people then text instructions on how to solve the problem. In my case I had already done it (several times). Finally I needed to reinstall the app. This is a potted version of the 2 hours it all took. If you are not very techy, then think twice about using Monzo.