Hi, I understand how important those Monzo emails are for your banking access, so let’s figure this out together.
The most common reason this happens is that the emails are getting filtered before they reach your inbox, either by Outlook’s junk filter or by a server-level policy.
Since you’ve already checked your Junk folder and confirmed the address isn’t blocked, the next step is to make sure the domain monzo.com is on your Safe Senders list and that there aren’t any inbox rules moving or deleting those messages.
If you’re using a work or Microsoft 365 account, it’s possible the emails are being quarantined by Exchange Online Protection, so your IT team may need to whitelist the domain.
Can you confirm if you’re on a personal Outlook account or a company-managed one?
Also, have you tried searching your entire mailbox for “monzo.com” to see if any messages landed in unexpected folders?
Regards,
Aron