Where Does Monzo Store Account Data?
Monzo keeps money data on its servers with the phone holding session cache in a private sandbox. Statements export in app.
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Monzo balances are server-side. The app sandbox carries session, cached feed, and notification state. Clearing it logs you out without touching holdings.
Magic link login gates every new phone, which matters more than files. Statements and summaries export from inside the app. Guard the email on the account, since every login flows through it.
Where Monzo stores this, by platform
/data/data/[monzo-package]
Private sandbox for session and cache. Balances are account-side. Statements export from inside the app as PDF or CSV.
On My iPhone/Monzo
Sandboxed container with the same server archive. Magic links gate new devices. Reinstalls only reset device trust.
Frequently asked questions
How do I move Monzo to a new phone?
Install and pass login plus card PIN verification. Balances sync from the account instantly. The old sandbox held cache only, so no file moves. Keep the email access current, since magic links gate every new device.
How do I export Monzo statements?
Open the account feed and export monthly statements as PDF or CSV from inside the app. The sandbox copy is a cache, not the record. Pots and budgets export with the same flow.
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