Monzo

Monzo Bank Limited

Trade name

| Monzo
Formerly| Focus FS Limited (2015–2016)[1]
Industry| Financial services
Founded| 18 February 2015; 11 years ago (2015-02-18)
Headquarters| London, England

Key people

* Gary Hoffman (Chairman)
* TS Anil (CEO)

Products| Banking
Revenue|  £1,235.4 million[2] (2025)

Operating income

|  £60.5 million[2] (2025)

Net income

|  £94.6 million[2] (2025)
AUM|  £16,599.4 million[2] (2025)
Total assets|  £18,263.9 million[2] (2025)
Total equity|  £1,212.9 million[2] (2025)
Owner|

* Passion Capital Fs (Gp) Llp (2016–2021)
* Monzo Bank Holding Group Limited (2021–present)[3]

Number of employees

|  3,821[2] (2025)
Website| monzo.com

Monzo Bank Limited, trading as Monzo (/ˈmɒnzoʊ/), is a British online bank based in London.[4] Monzo launched as part of a wave of app-based challenger banks entering the UK market.[5]

Originally operating through a mobile app and a prepaid debit card, in April 2017 its UK banking licence restrictions were lifted, enabling it to offer a full current account.[6] As of August 2025, Monzo reported having more than 12.5 million personal banking customers.[7][2] Their most recent financial results, issued in June 2025, showed an annual net profit of £94.5 million (an increase from the £8.7 million in the previous year) on revenue of £1.2B.[2]

## Contents

* 1 History
* 1.1 2015–2017: Early growth
* 1.2 2017–present: Scaling up
* 1.3 U.S. expansion
* 2 Fundraising
* 3 Products and services
* 3.1 Partnerships
* 3.2 Monzo Flex
* 3.3 Monzo Plus and Monzo Premium
* 3.4 Monzo Extra, Monzo Perks and Monzo Max
* 3.5 Pensions
* 3.6 Contents Insurance
* 4 Issued cards
* 5 Developer tools
* 6 Leadership
* 6.1 List of former chairmen
* 6.2 List of former chief executives
* 7 See also
* 8 References

## History

### 2015–2017: Early growth

Monzo Bank was founded as Mondo in 2015 by Tom Blomfield and his team.[8][9][4][10] The team originally met whilst working at Starling Bank. In February 2016, Monzo set the record for "quickest crowd-funding campaign in history" when it raised £1 million in 96 seconds via the Crowdcube investment platform.[11][12][13]

On 15 May 2016, Monzo was named the 59th top startup in Startups.co.uk's annual Startups 100 ranking.[14]

On 13 June 2016, a company blog post announced that the "Mondo" trademark had been legally challenged by an undisclosed company with a similar name.[15][16] As a result, a naming suggestion contest was organised and the new name, "Monzo", was registered at Companies House under the legal name "Monzo Bank Ltd" in August 2016.[17]

On 16 May 2017, Monzo announced that over £250 million had been spent through its prepaid card, between 200,000 customers.[18]

### 2017–present: Scaling up

In April 2017, Monzo was granted its full banking licence by the Prudential Regulation Authority and the Financial Conduct Authority, having previously operated under a restricted banking licence.[19] The full licence allowed Monzo to provide its customers with current accounts, who up until that point were only able to be offered pre-paid debit cards.[20]

Monzo's full current account was launched in October 2017, with its pre-paid card users being asked to move to its new current account.[20] By April 2018, it was reported to have 500,000 current account customers.[20]

In October 2018, Monzo reached one million customers, and was also named the best tech startup to work for by LinkedIn UK.[21][22]

In August 2019, the company announced that it had inadvertently logged 480,000 customer personal identification numbers, making them accessible to Monzo's internal team of engineers. The issue arose because PINs were transmitted in the query string of a HTTPS request.[23][24] That month the company also launched its loan products for customers.[25]

In March 2020, Monzo announced the creation of two business bank accounts for sole traders and small-to-medium sized businesses.[26] This was followed by Monzo's first loan products for its personal current account customers in April 2020.[27]

In May 2020, Blomfield announced that he was moving from CEO to president of the company and TS Anil would become the company's CEO.[28][29] He left the company in January 2021, citing personal pressures heightened by the coronavirus pandemic among other reasons.[30]

In March 2023, the company announced that it had become profitable for the first time.[31] The following year, Monzo was named to the 2024 CNBC Disruptor 50 list.[32]

Monzo reported its first annual profit of £15.4 million for the year ending March 2024, compared to a £116.3 million loss the previous year. The company also announced to open an office in Ireland to expand into Europe. Revenue more than doubled to £514.4 million due to increased lending and savings products, though provisions for loan defaults nearly doubled to £204 million.[33]

On 30 October 2025, Monzo announced that its CEO T. S. Anil will be stepping down from the position, after serving in that position for nearly 5 years.[34]

In December 2025, it was announced that Monzo had agreed to acquire the online mortgage broker Habito, which at that time employed 100 people.[35] The transaction, subject to regulatory approval and expected to complete in spring 2026, aimed to integrate mortgage advice and broking services directly into Monzo’s mobile banking platform.[36] The company also received a full banking licence from the Central Bank of Ireland and the European Central Bank, enabling expansion into Ireland with personal and business accounts.[37]

### U.S. expansion

Monzo announced on 13 June 2019 that it would begin offering services in the United States. The company said that it would distribute about 2,000 debit cards to prospective members who attended events it held in major U.S. cities like Los Angeles, San Francisco and New York City.[38]

In February 2021, Monzo announced Carol Nelson as the new US CEO, taking over from TS Anil who became Monzo's global CEO after temporarily holding both titles.[39]

After it was told by US regulators it was unlikely to be approved for a banking licence, Monzo announced that it had withdrawn its banking licence application in October 2021.[40] Shortly after, Carol Nelson stepped down as US CEO.[41]

Monzo US exited beta and was fully launched on 1 February 2022.[42] Without a US banking license, Monzo operates in the US market through a partnership with Ohio-based Sutton Bank.[43]

On 31 March 2026, Monzo announced that it would be exiting the US market.[44]

## Fundraising

In February 2016, Monzo set the record for "quickest crowd-funding campaign in history" when it raised £1 million in 96 seconds via the Crowdcube investment platform.[11][12][13]

In October 2016, Monzo announced an 'interim' funding round valuing the company at £50M and raised £4.8M in the process, led by Passion Capital.[45] This round was followed by a second £2.5 million Crowdcube crowd-funding campaign with the total pledged quickly hitting the target amount.[46]

In February 2017, Monzo raised £19.5 million from Thrive Capital, Passion Capital, and Orange Digital Ventures, which it intended to supplement with a crowdfunding campaign for an additional £2.5 million.[47]

On 6 November 2017, Monzo raised £71 million from several investors in a round led by Goodwater Capital. At the close of the round, Monzo was valued at £280 million.[48]

On 5 December 2018, Monzo held another £20 million Crowdcube crowdfunding campaign, reaching nearly £18 million in funding in less than three hours, and reaching the £20 million goal in just over two days.[49]

In 2019 the BBC's Watchdog programme investigated Monzo after receiving complaints from Monzo customers who had their accounts frozen or closed.[50] Affected customers complained about the length of time they were unable to access their money.[51] In a response to this investigation, the company said that account closures take place if the bank "suspect[s] there's financial crime".[52]

On 24 June 2019, Monzo raised £113 million in a Series F funding round led by Y Combinator's Continuity fund. This round gave Monzo a valuation of £2 billion.[53][54]

In June 2020, Monzo closed a £60 million 'down round', which saw its valuation fall by 40% to £1.24 billion.[55] In December 2020, Monzo closed another £60 million funding, including from investors such as for Novator, Kaiser and TED Global.[56]

In December 2021, Monzo closed a $600M funding round at a valuation of $4.5bn, led by the Abu Dhabi Growth Fund.[55]

Jeremy Hunt was rejected for a bank account with Monzo in 2022.[57] Staff at the bank have been accused of branding the Conservative Party 'evil'.[58]Cite error: Closing `</ref>` missing for `<ref>` tag Monzo said that they did not accept political parties as customers, and that True and Fair's account was not originally categorised as such in its application.[59]

In April 2024, Monzo fundraised £500m in a round involving investors Hedosophia and GIC. Monzo achieved profitability and a valuation exceeding £4bn.[60]

In 2025 Monzo was fined £21 million by the Financial Conduct Authority for having inadequate financial crime controls. These included allowing "obviously implausible UK addresses when applying for an account", including Buckingham Palace and 10 Downing Street.[61]

## Products and services

### Partnerships

On 25 June 2018, Monzo announced their team-up with Wise to provide international money transfers from within their Monzo app.[62]

On 28 January 2019, Monzo announced a partnership with Flux to add itemised receipts and loyalty points.[63] In addition to this, the API to create receipts was published by Monzo.[64]

### Monzo Flex

In September 2021, Monzo launched Flex, a buy-now-pay-later product.[65] Later in the year, they announced a virtual credit card that can be used to make Flex transactions directly.[66] Since 2023, physical Monzo Flex cards have been available to be ordered through the Monzo app.[67] As of 2024, Monzo Flex is marketed as a credit card.[68]

### Monzo Plus and Monzo Premium

In July 2020, Monzo introduced Monzo Plus,[69] a paid subscription service that attracted 50,000 sign-ups in its first month.[70] In 2021, Monzo launched Monzo Premium. On 23 April 2024, Monzo discontinued the Plus and Premium plans, with users no longer able to subscribe to these services, however, current subscribers are able to keep their subscriptions.[71]

### Monzo Extra, Monzo Perks and Monzo Max

In April 2024, with the discontinuation of Monzo Plus and Monzo Premium, Monzo announced three new subscription services, Monzo Extra, Monzo Perks and Monzo Max. With Monzo Perks and Monzo Max replacing Monzo Plus and Monzo Premium, users are able to upgrade their subscriptions to one of the new plans, or keep their current subscription.[72] Unlike Monzo Premium, Monzo Max will not offer a metal debit card.[71]

### Pensions

In July 2024, Monzo announced they plan to introduce Monzo Pensions. The feature will allow customers to combine their current pension schemes, both workplace and personal, in the app, as well as open a Self-Invested Personal Pension (SIPP) with Monzo. The features will be available to all Monzo customers.[73]

### Contents Insurance

Monzo became the first UK digital bank to launch contents insurance in 2025.[74] Research showed 50% of UK renters lack contents insurance, with average belongings worth £12,140.[75]

The product features:

* Coverage for damage and theft inside and outside the home
* Simple 5-question application process
* No-fee policy changes or cancellations
* Optional coverage for high-value items[76]

## Issued cards

The original design for the hot coral-coloured current account cards

Monzo initially issued (with partner company Wirecard[77]) a variety of alpha, beta and investor cards to its customers who wanted to be early adopters.[78] These were prepaid Mastercards which the user could top-up via bank transfer or via an existing debit card.[79] The balance on the card could then be spent via contactless, chip and pin, magnetic stripe or online. From early on, Monzo has issued cards in a neon "hot coral" colour – initially intended as a temporary measure during prototyping[80] – but later, a deliberate decision arising from the success of the "eye-catching" design.[81]

In December 2017, Monzo issued new Debit Mastercard cards to all its existing and new customers as the bank began rolling out current accounts. Customers signing up for the current account are issued a Debit Mastercard.[82]

## Developer tools

Banks in the UK currently offer customers limited or no programmatic access to their financial data.[83] Whilst the UK Government is looking into legislation to require existing banks to comply with and adopt standards for secure and open APIs,[84] Monzo has already released a prototype API based on the OAuth standard within a year of the company's founding.[85]

The company has also hosted four hackathons[86] and previously maintained a "Monzo Developers" Slack channel for developer discussion and support. The API allows developers to view transactions and accounts, receive notifications for events via webhooks and create their own items to appear in the app.[87] The responses are encoded using JSON which allows for data access in any programming language with JSON support.[87][88]

## Leadership

* Chairman: Gary Hoffman (since February 2019)[89]
* Chief Executive: Diana Layfield (since February 2026)[90]

### List of former chairmen

1. Denise Kingsmill, Baroness Kingsmill (2015–2018)[89]

### List of former chief executives

1. Tom Blomfield (2015–2020)[90]
2. TS Anil (2020–2026)[90]

## See also

* Neobanks in Europe
* List of banks in the United Kingdom

## References

1. ↑ "MONZO BANK LIMITED overview - Find and update company information - GOV.UK" (in en). 2015-02-18. https://find-and-update.company-information.service.gov.uk/company/09446231.
2. ↑ 2.0 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 "Annual Report 2025 | Monzo" (in en). https://monzo.com/annual-report/2025/Monzo Bank Group FY2025 Annual Report.pdf.
3. ↑ "MONZO BANK LIMITED persons with significant control - Find and update company information - GOV.UK" (in en). 2016-04-06. https://find-and-update.company-information.service.gov.uk/company/09446231/persons-with-significant-control.
4. ↑ 4.0 4.1 "The UK's new breed of digital challenger banks". Techworld. http://www.techworld.com/startups/ranked-uks-new-breed-of-digital-only-challenger-banks-3635411/.
5. ↑ Kobie, Nicole (2019-10-30). "A new-wave of challenger banks is taking on Monzo and Starling" (in en-GB). Wired UK. ISSN 1357-0978. https://www.wired.co.uk/article/challenger-banks-atom-tide-bunq-monese. Retrieved 2020-11-08.
6. ↑ "Welcome to Monzo Bank!". Monzo. 5 April 2017. https://monzo.com/blog/2017/04/05/banking-licence/.
7. ↑ "Monzo Surpasses 13 Million Customers as Business Clients Grow" (in en-US). 2025-08-06. https://www.pymnts.com/news/digital-banking/2025/monzo-surpasses-13-million-customers-as-business-clients-grow/.
8. ↑ Burn-Callander, Rebecca. "Banking industry primed for a pocket-sized revolution". The Telegraph. https://www.telegraph.co.uk/business/2016/03/26/banking-industry-primed-for-a-pocket-sized-revolution/.
9. ↑ Baker, Stephanie (18 August 2015). "A Bank for People Who Hate Banks". https://www.bloomberg.com/news/articles/2015-08-18/mondo-s-ceo-wants-to-build-a-bank-for-people-who-hate-banks.
10. ↑ Treanor, Jill (29 June 2015). "Digital banking: Mondo hopes to become the Google or Facebook of the sector". https://www.theguardian.com/money/2015/jun/29/digital-banking-mondo-hopes-to-become-the-google-or-facebook-of-the-sector.
11. ↑ 11.0 11.1 Dawson, Freddie. "App Bank Mondo Crowdfunds £1M In 96 Seconds". https://www.forbes.com/sites/freddiedawson/2016/03/04/app-bank-mondo-crowdfunds-1m-in-96-seconds/#4dce0073f4c6.
12. ↑ 12.0 12.1 Williams-Grut, Oscar. "App-only bank Mondo is valued at £30 million in an oversubscribed £6 million fundraise". https://www.businessinsider.com/mondo-bank-valued-at-30-million-in-6-million-fundraise-2016-2.
13. ↑ 13.0 13.1 Turvill, William. "Mobile challenger bank Mondo reaches £1m crowdfunding target in 96 seconds, adding to £7m venture capital investment". City AM. http://www.cityam.com/235956/mobile-challenger-bank-mondo-reaches-1m-crowdfunding-target-in-96-seconds-adding-to-7m-venture-capital-investment.
14. ↑ "59. Monzo". Startups.co.uk. 15 May 2016. https://startups.co.uk/startups-100/2016/59-mondo/.
15. ↑ "Goodbye Mondo, Hello M...". Monzo. 13 June 2016. https://monzo.com/blog/2016/06/13/new-mondo-changing-our-name/.
16. ↑ "Startup bank Mondo is letting customers change its name". Business Insider. https://www.businessinsider.com/mondo-name-change-trademark-users-chose-banky-mcbankface-2016-6.
17. ↑ "Mondo is now Monzo!". Monzo. 25 August 2016. https://monzo.com/blog/2016/08/25/monzo/.
18. ↑ "200,000 Customers and £250,000,000 Spent!". Monzo. 16 May 2017. https://monzo.com/blog/2017/05/16/200k-250m/.
19. ↑ "London startup Monzo has been granted its full banking license" (in en-GB). 2017-04-05. https://uk.finance.yahoo.com/news/london-startup-monzo-granted-full-173017113.html.
20. ↑ 20.0 20.1 20.2 "Monzo sees 94% of active users upgrade to current accounts" (in en). 2018-04-04. https://www.finextra.com/newsarticle/31905/monzo-sees-94-of-active-users-upgrade-to-current-accounts.
21. ↑ "London gets another fintech unicorn as Monzo reaches £1 billion" (in en). 30 October 2018. https://www.standard.co.uk/tech/monzo-challenger-bank-unicorn-tom-blomfield-a3976146.html.
22. ↑ "LinkedIn announces top 25 start-ups to work for in the UK" (in en-GB). Evening Standard. https://www.standard.co.uk/tech/top-25-uk-startups-linkedin-monzo-a3949731.html.
23. ↑ Stokel-Walker, Chris (6 August 2019). "Monzo's PIN security breach, explained". Wired UK. ISSN 1357-0978. https://www.wired.co.uk/article/monzo-pin-security-breach-explained. Retrieved 9 August 2019.
24. ↑ Cimpanu, Catalin. "Monzo admits to storing payment card PINs in internal logs" (in en). https://www.zdnet.com/article/monzo-admits-to-storing-payment-card-pins-in-internal-logs/.
25. ↑ Tesfaye, Mekebeb. "Monzo has officially launched loans for its 2.6 million customers". https://www.businessinsider.com/monzo-introduces-loans-to-threaten-incumbent-peers-2019-8.
26. ↑ "Monzo's next big move is taking on broken business banking" (in en-GB). Wired UK. ISSN 1357-0978. https://www.wired.co.uk/article/monzo-business-account. Retrieved 2023-06-01.
27. ↑ Megaw, Nicholas (2019-08-15). "Monzo starts offering loans to current account customers". Financial Times. https://www.ft.com/content/f3b5f8a8-bf3c-11e9-b350-db00d509634e.
28. ↑ O'Hear, Steve (2020-05-20). "Monzo co-founder Tom Blomfield moves from UK CEO role to president" (in en-US). https://techcrunch.com/2020/05/20/monzo-co-founder-tom-blomfield-moves-from-uk-ceo-role-to-president/.
29. ↑ "Ts Anil, Monzo Bank Limited: Profile and Biography" (in en). https://www.bloomberg.com/profile/person/21388341.
30. ↑ "Tom Blomfield departs Monzo" (in en). 21 January 2021. https://www.altfi.com/article/7481_tom-blomfield-departs-monzo.
31. ↑ Browne, Ryan (2023-05-31). "British digital bank Monzo hits monthly profitability for the first time after spike in lending" (in en). https://www.cnbc.com/2023/05/31/british-digital-bank-monzo-hits-profitability-for-first-time.html.
32. ↑ "16. Monzo". May 14, 2024. https://www.cnbc.com/2024/05/14/monzo-cnbc-disruptor-50.html.
33. ↑ Withers, Iain (3 June 2024). "UK's Monzo reports first annual profit, targets European expansion". https://www.reuters.com/business/finance/uks-monzo-reports-first-annual-profit-targets-european-expansion-2024-06-03/.
34. ↑ Howcroft, Elizabeth (30 October 2025). "UK mobile bank Monzo to replace CEO Anil from February". https://www.reuters.com/sustainability/boards-policy-regulation/uk-mobile-bank-monzo-replace-ceo-anil-february-2025-10-30/.
35. ↑ "Monzo acquires UK digital mortgage broker Habito" (in en). 17 December 2025. https://thepaypers.com/mergers-aquisitions-and-investments/news/monzo-acquires-uk-digital-mortgage-broker-habito.
36. ↑ "Monzo to acquire Habito in expansion of mortgage offering" (in en). https://www.mpamag.com/uk/news/general/monzo-to-acquire-habito-in-expansion-of-mortgage-offering/560283.
37. ↑ "Monzo gets full banking licence from Central Bank" (in en). https://www.rte.ie/news/business/2025/1217/1549421-monzo-gets-central-bank-licence/.
38. ↑ Fuscaldo, Donna. "U.K. Digital-Only Bank Monzo Comes To The U.S." (in en). https://www.forbes.com/sites/donnafuscaldo/2019/06/13/uk-digital-only-bank-monzo-comes-to-the-u-s/.
39. ↑ Daniel, Ellen (2021-02-12). "Challenger bank Monzo appoints Carol Nelson as US CEO" (in en-US). https://www.verdict.co.uk/monzo-us-ceo/.
40. ↑ Megaw, Nicholas; Morris, Stephen (2021-10-04). "Monzo withdraws US banking licence application". Financial Times. https://www.ft.com/content/8ea6d977-c2fc-47a8-9d93-1ec02eb4f9a9.
41. ↑ O'Brien, Amy (February 9, 2023). "'The time is now': Monzo searches for US CEO to double down on expansion". https://sifted.eu/articles/monzo-hiring-us-ceo-expansion-news.
42. ↑ "Monzo Moves from Beta to Public Launch in the US!" (in en-US). February 2022. https://monzo.com/blog/2022/02/01/monzo-us-blog-monzo-moves-from-beta-to-public-launch-in-the-us.
43. ↑ Muhn, Julie (2022-02-02). "Monzo Officially Launches in the U.S." (in en-US). https://finovate.com/monzo-officially-launches-in-the-u-s/.
44. ↑ . https://www.reuters.com/business/finance/monzo-close-us-business-focus-uk-europe-2026-03-31/.
45. ↑ "Monzo Raises 4.8M in Interim Funding Round led by Passion Capital". Crowdfund Insider. 21 October 2016. https://www.crowdfundinsider.com/2016/10/91459-crowdcube-alum-monzo-secures-4-8m-interim-funding-round-led-passion-capital/.
46. ↑ "App-only bank Monzo's crowdfunding is almost three times oversubscribed after less than 24 hours". Business Insider. https://www.businessinsider.com/monzo-crowdfunding-oversubscribed-crowdcube-24-hours-2017-3.
47. ↑ "Confirmed: UK challenger bank Monzo raises £19.5M with another £2.5M in crowdfunding planned" (in en-US). 23 February 2017. https://techcrunch.com/2017/02/22/confirmed-uk-challenger-bank-monzo-raises-19-5m-with-another-2-5m-in-crowdfunding-planned/.
48. ↑ "Challenger bank Monzo raises another £71M from Goodwater Capital, Stripe and Michael Moritz" (in en-US). 7 November 2017. https://techcrunch.com/2017/11/06/monzo-moolah/.
49. ↑ "The story of Monzo" (in en-gb). https://www.crowdcube.com/explore/raising/success-stories/monzo.
50. ↑ "BBC One - Watchdog - Monzo" (in en-GB). https://www.bbc.co.uk/programmes/articles/2qS0HM6nBkcPMx0W8t7fqVJ/monzo.
51. ↑ Magana, Gregory (24 October 2019). "Monzo caught flack for freezing customer accounts without explanation, leaving some without access to their money for weeks". Business Insider. https://www.businessinsider.com/monzo-account-freeze-leaves-customers-frustrated-2019-10?r=US&IR=T.
52. ↑ "Our response to the BBC Watchdog report: Why we sometimes have to block or close accounts" (in en-GB). 18 October 2019. https://monzo.com/blog/2019/10/18/watchdog-response.
53. ↑ "Monzo, the UK challenger bank, raises £113M Series F led by YC's Continuity fund at a £2B post-money valuation" (in en-US). 24 June 2019. https://techcrunch.com/2019/06/24/monzo-series-f/.
54. ↑ Cook, James (25 June 2019). "Monzo's valuation hits £2bn as the digital bank raises £113m in fresh funding" (in en-GB). The Telegraph. ISSN 0307-1235. https://www.telegraph.co.uk/technology/2019/06/24/monzos-valuation-hits-2bn-digital-bank-raises-113m-fresh-funding/.
55. ↑ 55.0 55.1 O'Hear, Steve (2020-06-16). "Monzo confirms £60M down round, with a new pre-money valuation of £1.24B" (in en-US). https://techcrunch.com/2020/06/16/monzo-confirms-60m-down-round/.
56. ↑ "Monzo quietly adds £60m to its last funding round" (in en). 2 December 2020. https://www.altfi.com/article/7330_monzo-quietly-adds-60m-to-its-last-funding-round.
57. ↑ Jolly, Jasper (9 July 2023). "Jeremy Hunt reveals he was refused Monzo bank account". https://www.theguardian.com/business/2023/jul/09/jeremy-hunt-reveals-he-was-refused-monzo-account.
58. ↑ Johnston, Neil; Somerville, Ewan (1 August 2023). "Staff at bank which refused Jeremy Hunt an account called Conservatives 'evil'". https://www.telegraph.co.uk/news/2023/08/01/bank-monzo-jeremy-hunt-refused-account-tories-evil/.
59. ↑ Slawson, Nicola; Banfield-Nwachi, Mabel (28 July 2023). "Gina Miller voices fear for democracy over closure of her party's bank account". https://www.theguardian.com/politics/live/2023/jul/28/high-court-ulez-london-boroughs-conservatives-labour-rishi-sunak-keir-starmer-uk-politics-latest?filterKeyEvents=false&page=with:block-64c3b08f8f086b325af60cc7#block-64c3b08f8f086b325af60cc7.
60. ↑ Kleinman, Mark (29 April 2024). "Digital bank Monzo expands fundraising to £500m in deal with top tech investor". https://news.sky.com/story/digital-bank-monzo-expands-fundraising-to-500m-in-deal-with-top-tech-investor-13124845.
61. ↑ Makortoff, Kalyeena (8 July 2025). "Monzo fined £21m after customers used No 10 and Buckingham Palace as addresses". The Guardian. https://www.theguardian.com/money/2025/jul/08/monzo-fined-customers-fca-bank.
62. ↑ "Improved international transfers, powered by Wise". 25 June 2018. https://monzo.com/blog/2018/06/25/monzo-international-transfers/.
63. ↑ O'Hear, Steve (28 January 2019). "Monzo teams up with Flux to add itemised receipts and loyalty points". https://techcrunch.com/2019/01/28/monzo-teams-up-with-flux-to-add-itemised-receipts-and-loyalty-points/?guccounter=1.
64. ↑ "A simple Monzo third party API client for demonstrating the new Receipts API.". Monzo. 3 February 2019. https://github.com/monzo/reference-receipts-app.
65. ↑ "Introducing Monzo Flex – a better way to pay later" (in en-GB). 15 September 2021. https://monzo.com/blog/2021/09/16/monzo-flex.
66. ↑ "Using Monzo Flex - a better way to pay later" (in en-GB). 23 November 2021. https://monzo.com/blog/2021/11/23/monzo-flex-ways-to-pay-later.
67. ↑ "Wiki: Monzo releases 2023" (in en-GB). 2023-02-17. https://community.monzo.com/t/wiki-monzo-releases-2023/144372.
68. ↑ "Monzo Flex - The award winning credit card from Monzo" (in en-GB). https://monzo.com/flex/.
69. ↑ "Monzo's relaunches its Plus premium offering with Open Banking integrations" (in en). 16 July 2020. https://www.altfi.com/article/6820_monzos-relaunches-its-plus-premium-offering-with-open-banking-integrations.
70. ↑ "Monzo Plus garners 50,000 users one month after launch" (in en). 18 August 2020. https://www.altfi.com/article/6945_monzo-plus-garners-50000-users-one-month-after-launch.
71. ↑ 71.0 71.1 "Introducing Plans | Make Monzo More You" (in en-GB). 2024-04-23. https://monzo.com/blog/make-monzo-more-you.
72. ↑ "Monzo Plans | Our Take on Packaged Bank Accounts" (in en-GB). https://monzo.com/current-account/plans/.
73. ↑ "Monzo Pension" (in en-GB). https://monzo.com/pensions.
74. ↑ "Monzo muscles in on home insurance market to target underprotected renters". 31 March 2025. https://www.standard.co.uk/business/money/monzo-muscles-in-on-home-insurance-market-to-target-underprotected-renters-b1219940.html.
75. ↑ "Monzo Reveals Half of Renters Are Unprotected as It Launches Contents Insurance". April 2025. https://ffnews.com/newsarticle/monzo-reveals-half-of-renters-are-unprotected-as-it-launches-contents-insurance/.
76. ↑ Wise, Anna. "Monzo muscles in on home insurance market to target underprotected renters". https://www.msn.com/en-gb/money/other/monzo-muscles-in-on-home-insurance-market-to-target-underprotected-renters/ar-AA1C1ZZl.
77. ↑ "Mondo selects Wirecard as their prepaid card issuer". Wirecard. https://www.wirecard.com/newsroom/press-releases/newsdetail/mondo-selects-wirecard-as-their-prepaid-card-issuer/.
78. ↑ "What it's like to use a Mondo card and account". Business Insider. https://www.businessinsider.com/56000-people-are-waiting-to-use-this-british-banking-startups-credit-card-heres-what-its-like-to-use-it-2015-12.
79. ↑ "Terms & Conditions". https://monzo.com/legal/terms-and-conditions/.
80. ↑ "Monzo Card Design". Wired UK (Wired). https://www.wired.co.uk/article/monzo-card-design.
81. ↑ "Breakthrough brands: Monzo, a modern approach to brilliant banking". Fabrik. 2 July 2018. http://fabrikbrands.com/breakthrough-brands-monzo-bank-branding/.
82. ↑ Peyton, Antony. "Monzo gently rolls out current accounts". Banking Technology. http://www.bankingtech.com/911451/monzo-gently-rolls-out-current-account/.
83. ↑ "Data Sharing and Open Data for Banks". Fingleton Associates. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/382273/141202_API_Report_FINAL.PDF.
84. ↑ "Government could legislate to ensure open data in banking and other regulated industries by 2017". Pinesent Masons. http://www.out-law.com/en/articles/2015/december/government-could-legislate-to-ensure-open-data-in-banking-and-other-regulated-industries-by-2017/.
85. ↑ "Analysis | Shut Out of Banking? Blame the Machines" (in en-US). Washington Post. 2023-09-08. ISSN 0190-8286. https://www.washingtonpost.com/business/2023/09/08/bank-bureaucracy-at-odds-with-maintaining-account-access/18808f18-4dff-11ee-bfca-04e0ac43f9e4_story.html.
86. ↑ "Mondohack IV". Monzo. May 2023. https://monzo.com/blog/2016/04/21/mondohack-iv/.
87. ↑ 87.0 87.1 "Monzo API Reference". Monzo. https://monzo.com/docs/.
88. ↑ Bray, T. (March 2014), The JavaScript Object Notation (JSON) Data Interchange Format, IETF, doi:10.17487/RFC7159, RFC 7159, https://tools.ietf.org/html/rfc7159, retrieved 13 September 2016
89. ↑ 89.0 89.1 Osborn, Theo (9 Jan 2019). "Monzo names new chair". https://specialistbanking.co.uk/article-desc-6727_monzo-names-new-chair.
90. ↑ 90.0 90.1 90.2 Emanuel-Burns, Cameron (31 October 2025). "Monzo CEO TS Anil to step down, Diana Layfield named successor". https://www.fintechfutures.com/job-cuts-new-hires/monzo-ceo-ts-anil-to-step-down-diana-layfield-named-successor.

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