Managing personal Outlook.com account settings, security, and privacy
The Monrovia/Reykjavik information in the read receipt is not related to your bank contact’s actual location. It comes from how Microsoft 365/Exchange Online generates read receipts.
For Microsoft 365 and Outlook/Outlook on the web:
- Read receipts are stamped with the time zone of the Exchange Online server, not the sender’s or recipient’s computer.
- Because Microsoft 365 is a global cloud service, the server uses Coordinated Universal Time (UTC). In many cases this appears in receipts as “(UTC) Monrovia, Reykjavik.”
- This means the read receipt time and time zone reflect the server’s UTC setting, not where your contact is physically located.
So the receipt is still for your message to your bank contact; the Monrovia/Reykjavik label is just how the service represents UTC time, not an indication that the message was read in that region.
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