https://monzo.com/blog 2025-09-01T01:30:49Z An unofficial Monzo blog feed generated by Akash Goswami (https://akashgoswami.dev) 2025-08-21T00:00:00Z tag:monzo.com,2025-08-21:/blog/best-value-sun-loungers

Discover where your holiday budget goes furthest with our guide to the best and worst value sun loungers on the top beaches in the UK and Europe this summer.

2025-08-21T00:00:00Z tag:monzo.com,2025-08-21:/blog/what-to-do-if-you-need-help-looking-after-your-account

What is trusted access and how can it help support you or your loved ones when your living circumstances change? We break it all down for you in this blog.

2025-07-30T00:00:00Z tag:monzo.com,2025-07-30:/blog/build-a-reactive-fraud-prevention-platform

Over the last year, we've re-designed our Fraud Prevention Platform at Monzo to scale with control complexity, allows us to ship fast and adds better monitoring for our controls

2025-07-11T00:00:00Z tag:monzo.com,2025-07-11:/blog/from-dashboards-to-data-products-how-we-are-redesigning-analytics-in-monzo

This post is about a significant change in how we approach data within Operations: shifting from a service mindset to treating our data as a product. As a result our teams can self-serve more effectively, helping us navigate our platform migration.

2025-07-02T00:00:00Z tag:monzo.com,2025-07-02:/blog/monzo-is-opening-an-engineering-hub-in-barcelona

We're opening an office and hub in Barcelona to support our core platform and help reach our ambition of making money work for everyone, globally! We're attending, sponsoring and hosting events in Barcelona throughout the year ✨

2025-05-28T00:00:00Z tag:monzo.com,2025-05-28:/blog/designing-bulk-payments-for-how-businesses-really-work

This blog discusses how we designed and built bulk payments: letting users send multiple payments in one go. It's a story of cross-team collaboration, complex challenges, and how we stayed laser-focused on what our users actually need to get done.

2025-05-13T00:00:00Z tag:monzo.com,2025-05-13:/blog/undo-payments

With a Monzo account, it's now possible to reverse a payment if you made a mistake with the amount you sent, who you sent it to, or the fact that you sent it at all.

2025-05-12T00:00:00Z tag:monzo.com,2025-05-12:/blog/our-2024-diversity-and-inclusion-report

Read our 2024 Diversity and Inclusion report to find out what we're doing to create an environment where everyone can belong.

2025-05-02T00:00:00Z tag:monzo.com,2025-05-02:/blog/demystifying-the-senior-staff-engineering-interview-process

We want to explain exactly what our Senior Staff+ interview process entails to make it fair and transparent for all our applicants. This post explains what you should expect from each of our interviewing stages and how to prepare.

2025-05-01T00:00:00Z tag:monzo.com,2025-05-01:/blog/how-we-built-a-product-to-demystify-credit-scores

This blogs explains the process of building and iterating on credit insights. We give you insight into how we use research to build products that meet customer needs, both at the start of the product design process and on an ongoing basis.

2025-04-03T00:00:00Z tag:monzo.com,2025-04-03:/blog/processing-payments-in-monzo-stand-in

Monzo Stand-in is able to process payments in the event of a major outage of the Primary Platform. Customers can continue to use their card and send or receive bank transfers as normal

2025-04-02T00:00:00Z tag:monzo.com,2025-04-02:/blog/launching-the-womens-network-at-monzo

March 2025 saw the launch of Monzo's Women's Network - a new committee which will play an active role in helping women achieve their professional goals.

2025-03-28T00:00:00Z tag:monzo.com,2025-03-28:/blog/we-have-updated-our-engineering-principles

At Monzo, we have a set of engineering principles which encapsulate what we value as an engineering organisation. We first wrote our engineering principles in 2018, and recently invested in updating them to better reflect where we are now

2025-03-09T00:00:00Z tag:monzo.com,2025-03-09:/blog/monzo-for-under-16s-the-future-of-bank-accounts-for-kids

Looking for a kids' bank account? Find the right fit for your family.

2025-03-01T00:00:00Z tag:monzo.com,2025-03-01:/blog/demystifying-the-backend-engineering-interview-process

We want to explain exactly what our Backend Engineering interview process entails to make it fair and transparent for all our applicants. This post explains what you should expect from each of our interviewing stages and how to prepare.

2025-02-19T00:00:00Z tag:monzo.com,2025-02-19:/blog/weve-made-our-writing-system-available-to-all

We're sharing how we write in our app with writers, designers, engineers and everyone else in case they find it helpful.

2025-02-14T00:00:00Z tag:monzo.com,2025-02-14:/blog/decoding-romance-scams

Romance scams are difficult to spot but devastating to deal with. Find out how and why they work, plus some tips to protect yourself.

2025-02-13T00:00:00Z tag:monzo.com,2025-02-13:/blog/tolerating-full-cloud-outages-with-monzo-stand-in

We built a completely separate backup banking infrastructure called Monzo Stand-in to add another layer of defence so customers can continue to use important services provided by us

2025-02-06T00:00:00Z tag:monzo.com,2025-02-06:/blog/making-identity-verification-more-accessible

At Monzo we're trying to be an inclusive company that pushes boundaries in an attempt to reach our mission, to “Make money work for everyone”. We are taking steps to ensure everyone can us Monzo independently.

2025-02-04T00:00:00Z tag:monzo.com,2025-02-04:/blog/an-update-on-our-gender-pay-gap-2024

Between 5 April 2023 and 5 April 2024, our median gender pay gap reduced from 8.1% to 6.3%.

2025-01-29T00:00:00Z tag:monzo.com,2025-01-29:/blog/preparing-for-mobile-interviews-at-monzo

Our mobile interview process is designed to learn about your strengths. The post explains the specific skills and abilities that will make you successful in the role and what to expect in the interview process.

2025-01-24T00:00:00Z tag:monzo.com,2025-01-24:/blog/credit-scores/how-to-improve-your-credit-score

If you borrow money in the future, looking after your credit score could help you get a good deal. See your credit score in Monzo, and track how it changes over time.

2025-01-16T00:00:00Z tag:monzo.com,2025-01-16:/blog/how-each-role-in-borrowing-data-allows-us-to-think-big-and-innovate

Monzo has a huge variety of data roles in our Borrowing team that contribute to developing our credit products. In this blog we tell you what Borrowing at Monzo is, how it fits into Monzo, what the types of roles we hire for, and how to apply.

2025-01-06T00:00:00Z tag:monzo.com,2025-01-06:/blog/credit-scores/check-your-score

Checking your credit score can help you find out what your borrowing health is like and how you might look to potential lenders. We've outlined how to check your credit score!

2024-12-18T00:00:00Z tag:monzo.com,2024-12-18:/blog/writing-year-in-monzo-2024

Nothing brings us more joy than roasting and celebrating millions of people for their spending habits, so we're here to break down exactly how we did it.

2024-12-17T00:00:00Z tag:monzo.com,2024-12-17:/blog/contact-monzo-using-british-sign-language

We've partnered with SignLive, an online interpreting service for British Sign Language (BSL) so BSL users can chat with our customer support team in real time.

2024-12-13T00:00:00Z tag:monzo.com,2024-12-13:/blog/dont-let-go-of-your-creative-spark

Our Product Designer, Victoria, talks about her learnings from the course '100 Design Projects' she attended this year, including sprinkling your own personality in every project and making sure you reflect on your own creative process.

2024-12-09T00:00:00Z tag:monzo.com,2024-12-09:/blog/equity-and-loan-to-value-explained

Learn about equity and loan-to-value (or LTV) with Monzo, whether you're buying your first house or currently looking to remortgage.

2024-12-09T00:00:00Z tag:monzo.com,2024-12-09:/blog/what-is-remortgaging-and-how-does-it-work

The Monzo guide to remortgaging. We've also partnered with the regulated online mortgage broker, Better.co.uk to help you plan for and navigate every stage of the remortgaging process.

2024-12-09T00:00:00Z tag:monzo.com,2024-12-09:/blog/what-kind-of-mortgage-do-i-need

Whether you're an aspiring or current homeowner, there are many types of mortgage available. This blog is the Monzo guide to mortgages.

2024-11-21T00:00:00Z tag:monzo.com,2024-11-21:/blog/how-our-design-team-shapes-products-for-our-customers

This blog explains why design and research is so impactful at Monzo. We explain how we give designers and researchers an abundance of autonomy to help make decisions, and why it makes our team an outlier for those who care about making a difference.

2024-11-07T00:00:00Z tag:monzo.com,2024-11-07:/blog/inclusive-hiring-in-engineering-at-monzo

Monzo cares about inclusive hiring in engineering by doing things like advertising our salaries on our job ads, sharing our process transparently, and providing different options for doing different technical interview stages

2024-10-29T00:00:00Z tag:monzo.com,2024-10-29:/blog/vertically-scaling-ordered-consumption-using-kafka

We built our “unordered concurrent” subscription knowing that we could eventually extend it to support ordering in Kafka

2024-10-15T00:00:00Z tag:monzo.com,2024-10-15:/blog/expense-cards

Employee expense cards are here to let selected team members spend up to limits that you set for them. And with the added bonus of saving you all time spent on admin.

2024-10-15T00:00:00Z tag:monzo.com,2024-10-15:/blog/introducing-team

With the arrival of Team, Monzo Business opens its doors to bigger small businesses with a host of brand new features that claim back lost time for business owners and managers, but also everyone else they work with.

2024-09-30T00:00:00Z tag:monzo.com,2024-09-30:/blog/enabling-horizontal-autoscaling-with-co-operative-distributed-rate-limiting

Monzo runs almost 3,000 microservices to power everything. A core part of being able to run all these systems and features safely is rate limiting. In this blog post we describe how that gets us to doing what we call “distributed rate limiting.”

2024-09-18T00:00:00Z tag:monzo.com,2024-09-18:/blog/we-built-a-better-system-for-scheduling-cron-jobs

We built a system to define scheduled jobs that moves away from cron and adds support for timezones, better monitoring and a more delightful developer experience

2024-09-16T00:00:00Z tag:monzo.com,2024-09-16:/blog/flex-on-apple-pay

iPhone and iPad users can now choose their monthly payment right at checkout with Flex on Apple Pay, online and in-app 🎉

2024-09-04T00:00:00Z tag:monzo.com,2024-09-04:/blog/how-we-cut-time-to-sign-up-for-monzo-us-from-17-minutes-to-4-minutes

This blog talks about how our Monzo US team revamped the signup process for customers by experimenting with signup funnel improvements, increasing the rate of completion by a massive 400%

2024-09-03T00:00:00Z tag:monzo.com,2024-09-03:/blog/take-five-stop-challenge-protect

How we're building moments of pause into the Monzo app to help protect customers from fraud and purchase scams.

2024-08-26T00:00:00Z tag:monzo.com,2024-08-26:/blog/how-we-run-migrations-across-2800-microservices

We've got a lot of value from our microservices architecture (2,800 and counting!), but this architecture is not without its challenges. One of those challenges is how to make sweeping library changes across all those services.

2024-07-31T00:00:00Z tag:monzo.com,2024-07-31:/blog/building-a-processing-system-for-international-payments

Gain an understanding of how International Payments are sent and received and how we process them at Monzo. We are making this seamless to customers whilst also having a strong focus on development experience

2024-07-30T00:00:00Z tag:monzo.com,2024-07-30:/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo

We think there are lots of benefits associated with AI, but we have a human approach to hiring. At every stage there is a person reviewing and making decisions to ensure we're able to bring the best people to Monzo.

2024-07-28T00:00:00Z tag:monzo.com,2024-07-28:/blog/introducing-our-industry-first-security-tools

We're focused on giving customers protection and peace of mind to make Monzo a safe place to manage your money. Find out how we're achieving this with our latest release: a trio of industry-first security tools

2024-07-24T00:00:00Z tag:monzo.com,2024-07-24:/blog/elevate-your-design-work-with-storytelling

We invited Ben Sauer, author of Death By Screens, to the Monzo London office for a workshop on the art of storytelling in relation to design. We've shared our favourite bits with you in our latest blog.

2024-07-23T00:00:00Z tag:monzo.com,2024-07-23:/blog/guide-to-self-invested-personal-pensions

This guide breaks down the things you need to know about SIPPs - what they are, who they're for, rules around SIPPs, plus so much more.

2024-07-22T00:00:00Z tag:monzo.com,2024-07-22:/blog/how-we-securely-generate-sensitive-secrets

We regularly have to create and manage secrets that grant very sensitive privileges, and so we've created a new process that makes it fast and easy for us to securely and verifiably perform all kinds of sensitive operations.

2024-07-19T00:00:00Z tag:monzo.com,2024-07-19:/blog/making-mortgages-more-monzo

This blog talks about how we went 0-1 with our new Homeownership mortgage feature. It gives insight into how we transitioned from a mortgage-focused to a home-focused view, where equity (customer's progress) sits at the heart of the experience.

2024-07-11T00:00:00Z tag:monzo.com,2024-07-11:/blog/advanced-tools-for-joint-accounts

Our joint accounts help you manage your money together more effectively. Say goodbye to manual spreadsheets or calculating how much you owe each other at the end of every month.

2024-07-03T00:00:00Z tag:monzo.com,2024-07-03:/blog/delightful-payments/

This post is about how we built the Delightful Payments which directly replaced our P2P (Monzo-to-Monzo) and FPS (bank transfers) payment flows, including how we iterated on product in-parallel with design, and continuous feedback cycles.

2024-06-20T00:00:00Z tag:monzo.com,2024-06-20:/blog/securing-our-software-supply-chain-better-with-reproducible-builds-for

This blog talks about how we protect our workloads against supply chain attacks, specifically by achieving bit-by-bit reproducible builds, and how we have adopted Nix an alternative to Docker for build environments.

2024-05-29T00:00:00Z tag:monzo.com,2024-05-29:/blog/how-we-use-incremental-modelling-to-handle-billions-of-events-every-day

This post is an overview of how we leverage incremental modelling, a data transformation technique which helps us scale sustainably as we blast off to 10 million customers 🚀

2024-05-28T00:00:00Z tag:monzo.com,2024-05-28:/blog/our-2023-diversity-and-inclusion-report

Read our 2023 Diversity and Inclusion report to find out what we're doing to create an environment where everyone can belong.

2024-05-21T00:00:00Z tag:monzo.com,2024-05-21:/blog/from-customer-operations-to-executive-assistant-my-journey-at-monzo

The blog dives deeper into how Anna navigated the change from her previous Customer Services role and harnessed the opportunities that came her way. Spotlighting the skills and learnings throughout her journey at Monzo.

2024-04-26T00:00:00Z tag:monzo.com,2024-04-26:/blog/how-we-measured-change-aversion-with-our-new-home-screen

When we launched our new Monzo home screen, Katherine spent the past year focused on designing, launching and analysing experiments to understand how customers reacted to their new app. This blog explains how she measured change aversion.

2024-04-23T00:00:00Z tag:monzo.com,2024-04-23:/blog/make-monzo-more-you

Introducing Extra, Perks and Max - 3 brand new ways to upgrade based on what's important to you.

2024-04-09T00:00:00Z tag:monzo.com,2024-04-09:/blog/how-the-new-isa-rules-affect-you

ISAs have gotten a refresh this year. And the changes mean you have more freedom on how you choose to grow your money.

2024-03-27T00:00:00Z tag:monzo.com,2024-03-27:/blog/corporate-owned-businesses

If your Limited Company has investment from other companies, you are now welcome to apply for a Monzo Business account!

2024-03-15T00:00:00Z tag:monzo.com,2024-03-15:/blog/user-research-insight-to-impact-the-art-of-scaling-impact-and-crafting-goal

Drawing upon the wisdom and practices of our user research team at Monzo, this blog post captures ways to scale user research impact, craft effective goals, and define clear metrics.

2024-03-08T00:00:00Z tag:monzo.com,2024-03-08:/blog/starting-from-scratch-as-a-new-engineer-at-monzo

I'm Grace, and I joined Monzo in October '23 as a Backend Engineer in Fincrime Business Banking. I'm here to convince you to apply for that role you really want, and about how exciting, challenging and rewarding changing roles has been for me.

2024-03-04T00:00:00Z tag:monzo.com,2024-03-04:/blog/credit-scores/credit-checks

Credit checks can be confusing (sometimes they're even called credit searches - which only adds to the confusion). We've outlined what a credit check actually is, the different types you'll find and when you might need one. 

2024-03-01T00:00:00Z tag:monzo.com,2024-03-01:/blog/moving-monzo-com

In 2022, we embarked on a long journey to move our main website. The whole process took us from June of 2022 to November of 2023, with plenty of fun curveballs along the way. Let's dig into what it takes to migrate monzo.com.

2024-02-22T00:00:00Z tag:monzo.com,2024-02-22:/blog/how-we-use-design-to-create-business-impact-at-monzo

This post delves into how Monzo is building on our product-led growth by adopting new growth design ways of working and how uniquely positioned design is as a business tool for growth. Buckle-up!

2024-02-20T00:00:00Z tag:monzo.com,2024-02-20:/blog/monzo-business-how-to-automate-tax-savings-with-tax-pots

A guide for setting up an automated Tax Pot in your Monzo Business app.

2024-02-19T00:00:00Z tag:monzo.com,2024-02-19:/blog/what-are-monzos-technical-expectations-for-engineering-leaders

This post will explore how EMs at Monzo continue to leverage their software engineering backgrounds in practice, and how Monzo assesses those skills in our hiring process.

2024-02-15T00:00:00Z tag:monzo.com,2024-02-15:/blog/how-to-create-a-customer-segmentation-choosing-the-right-segmentation

Customer segmentation is the art of dividing customers into useful groups, but there are a lot of pitfalls to avoid along the way. Here is Monzo's guide to help you decide your segmentation approach, collect the right data, and more.

2024-01-31T00:00:00Z tag:monzo.com,2024-01-31:/blog/an-update-on-our-gender-pay-gap-2023

Between 5 April 2022 and 5 April 2023, our median gender pay gap reduced from 9.3% to 8.1%.

2024-01-30T00:00:00Z tag:monzo.com,2024-01-30:/blog/receive-international-payments

Receive money from around the world. 40+ currencies converted to pounds, ready to spend.

2024-01-25T00:00:00Z tag:monzo.com,2024-01-25:/blog/how-we-built-a-queue-on-top-of-kafka

This blog covers core parts of the journey Constantijn embarked on when he raised his first "small change" pull request, and how over time we have built a rich client library and set of abstractions that sit on top of Kafka

2024-01-10T00:00:00Z tag:monzo.com,2024-01-10:/blog/how-we-unified-our-customers-activity-on-the-new-home-screen

In this blog post, we explore how we built our home screen, a single stream of activity that lets you glance over the latest updates across all your bank accounts! Less searching around, less app-hopping, less confusion. 

2023-12-22T00:00:00Z tag:monzo.com,2023-12-22:/blog/building-year-in-monzo-as-told-by-engineering

We've shared the behind the scenes insights into how we wrote 5 million Years in Monzo, and the magic behind the data. Now we're going to dig into how we turned this data into the Year in Monzo experience you know and love.

2023-12-20T00:00:00Z tag:monzo.com,2023-12-20:/blog/how-we-built-year-in-monzo-unlocking-the-data-magic

Several months back, we got our heads together and started dreaming up Year in Monzo 2023. Here's the data team's story about how we get to where we are today.

2023-12-19T00:00:00Z tag:monzo.com,2023-12-19:/blog/how-we-wrote-5-million-years-in-monzo

Running a campaign at this scale is a group effort. The words are especially important because there's lots of them, and each one counts towards building a delightful experience. Here's the BTS story of how we wrote Year in Monzo this time around.

2023-12-15T00:00:00Z tag:monzo.com,2023-12-15:/blog/2023/12/14/securing-admin-access-to-monzos-platform/

Monzo runs on a shared platform of infrastructure that hosts our microservices. In this post, we'll discuss how we broker access to our infrastructure credentials with a system that is resistant to attacks even from the team that maintains it.

2023-12-01T00:00:00Z tag:monzo.com,2023-12-01:/blog/thank-you-jonas-templestein

After nine years, our co-founder Jonas is leaving Monzo ❤️

2023-11-27T00:00:00Z tag:monzo.com,2023-11-27:/blog/current-account-guides/how-much-can-you-withdraw-from-an-atm/

The daily amount that you can withdraw from an ATM depends on what bank you're with and the type of account you have.

2023-11-26T00:00:00Z tag:monzo.com,2023-11-26:/blog/2019/07/19/should-i-pay-in-local-currency-or-pounds-gbp-when-i-use-monzo-abroad

Euros, Dollars, Pesos or Rupees - always pay in the local currency when you're using Monzo abroad, so you can get the Mastercard exchange rate, without any extra charges.

2023-11-24T00:00:00Z tag:monzo.com,2023-11-24:/blog/2023/11/24/a-day-in-the-life-of-a-technical-programme-manager-at-monzo

The Technical Programme Manager (TPM for short) role is hugely varied. I want to take you on a journey through a typical day in my life as a Technical Programme Manager here at Monzo.

2023-11-06T00:00:00Z tag:monzo.com,2023-11-06:/blog/how-we-built-the-new-home-screen

We've had a makeover, redesigning your Home screen to keep track of all the things you have going on in Monzo today and to make space for the future.

2023-11-01T00:00:00Z tag:monzo.com,2023-11-01:/blog/the-new-and-improved-home-screen

We've had a makeover, redesigning your Home screen to keep track of all the things you have going on in Monzo today and to make space for the future.

2023-10-31T00:00:00Z tag:monzo.com,2023-10-31:/blog/your-fund-and-etfs

From the moment you open your Investment Pot and start investing, it's over to the fund manager to look after the fund you've chosen.

2023-10-23T00:00:00Z tag:monzo.com,2023-10-23:/blog/monzo-investments-is-here-leave-the-hard-work-to-us

Become an investor and start building for the future, without having to do the hard work.

2023-10-17T00:00:00Z tag:monzo.com,2023-10-17:/blog/protect-money-boundaries-maintain-social-life

Here's how to reach your money goals while maintaining a buzzing social life.

2023-10-15T00:00:00Z tag:monzo.com,2023-10-15:/blog/spending-money-to-celebrate-friends-single

Stefanie, 29, is constantly spending money to celebrate her predominantly coupled-up friends.

2023-10-12T00:00:00Z tag:monzo.com,2023-10-12:/blog/2023/10/12/protecting-our-platform-from-spikes-in-usage-by-reducing-load-from-the-monzo

This blog explores how we've made our platform more resilient to spikes in app opens. We can now reduce load on our platform before we get overwhelmed so you can still access and use critical parts of the app, and your card continues to work.

2023-09-21T00:00:00Z tag:monzo.com,2023-09-21:/blog/help-if-someone-with-a-monzo-account-dies

Our bereavement specialists are here to support you and make closing the Monzo account of someone who's died as simple as possible.

2023-09-13T00:00:00Z tag:monzo.com,2023-09-13:/blog/weve-improved-our-gambling-block

We've been working closely with gambling charity GamCare, our customers, industry experts and people with first hand experience to improve our gambling block. 

2023-09-12T00:00:00Z tag:monzo.com,2023-09-12:/blog/2023/09/12/4-things-to-know-when-investing

There's quite a bit to think about when you get started. So we've rounded up 4 things we think are must-knows to get you investment-ready.

2023-09-12T00:00:00Z tag:monzo.com,2023-09-12:/blog/2023/09/12/6-common-investing-myths-and-the-truths

Investing needs a rebrand. There are all sorts of myths floating around which put people off it. But investing can be a powerful tool to help you grow your money for the future.

2023-09-12T00:00:00Z tag:monzo.com,2023-09-12:/blog/2023/09/12/how-do-i-know-if-investing-is-for-me

Have you been wondering, should I invest?

2023-09-12T00:00:00Z tag:monzo.com,2023-09-12:/blog/2023/09/12/staying-calm-when-your-investment-value-dips

Seeing the value of your Investment Pot shoot up is exciting. But just as investment values can rise, they can fall too. It's a natural part of investing.

2023-09-12T00:00:00Z tag:monzo.com,2023-09-12:/blog/2023/09/12/the-skadnetwork-puzzle-using-data-to-solve-for-effective-performance/

This blog talks through how Monzo uses Data Science and Analytics Engineering to measure the value of paid marketing as Apple's SKAdNetwork changes the mobile advertising landscape, which helps to inform our wider strategies of sustainable growth

2023-09-06T00:00:00Z tag:monzo.com,2023-09-06:/blog/2023/09/06/making-it-clear-when-were-on-a-call-with-you

If someone calls you claiming to be from Monzo, you can now check to see if they're telling the truth or not in the Monzo app.

2023-08-31T00:00:00Z tag:monzo.com,2023-08-31:/blog/2023/08/23/tech-leading-as-a-mobile-engineer-at-monzo

Mark has written about his experience and growth as a tech lead at Monzo over the last 18 months - from creeping doubts to using his mobile engineer's perspective to shape the role to his strengths

2023-08-30T00:00:00Z tag:monzo.com,2023-08-30:/blog/relationship-money-communication-tips

Money can become a focal point at any time in a relationship. Here's some advice to help you keep discussions productive and respectful.

2023-08-30T00:00:00Z tag:monzo.com,2023-08-30:/blog/relationship-money-income-gap

Evelyn, 34, shares her experience of being the breadwinner in her relationship.

2023-08-29T00:00:00Z tag:monzo.com,2023-08-29:/blog/emotional-spending-tips

Here are 5 signs of emotional spending and 5 ways to put yourself back in control of your money.

2023-08-28T00:00:00Z tag:monzo.com,2023-08-28:/blog/emotional-spending-debt

Ellen, 32, got into debt by spending money on luxury holidays during a tough time.

2023-08-10T00:00:00Z tag:monzo.com,2023-08-10:/blog/2023/08/10/my-path-from-intern-to-staff-engineer-at-monzo

This blog discusses our Staff Engineer, Jacob, and his experience starting at Monzo as an intern in Engineering, and how he has developed into a Staff Engineer role.

2023-08-09T00:00:00Z tag:monzo.com,2023-08-09:/blog/budgeting-tips-wedding-season

Here's how to make sure your own financial goals don't go to pot during wedding season.

2023-08-08T00:00:00Z tag:monzo.com,2023-08-08:/blog/budgeting-saving-wedding-guest

For serial wedding guest Rob, 27, it's become tricky to prioritise his own savings goals.

2023-08-03T00:00:00Z tag:monzo.com,2023-08-03:/blog/2023/08/03/how-we-launch-new-products-at-monzo

From staff testing to Monzo Labs, learn about the different ways Monzo launches new products and features - and how we don't always get it right!

2023-07-31T00:00:00Z tag:monzo.com,2023-07-31:/blog/2023/08/01/see-into-the-future-of-monzo

Switch over to the new-look Home screen for a better overview of your money and more insight into your spending habits.

2023-07-31T00:00:00Z tag:monzo.com,2023-07-31:/blog/travel-scams-protect-yourself

Be mindful of these travel scams that could turn your dream holiday into a nightmare.

2023-07-26T00:00:00Z tag:monzo.com,2023-07-26:/blog/friendship-money-wealth-gap-tips

Financial differences can test even the closest friendships. Here are 5 tips to handle them.

2023-07-24T00:00:00Z tag:monzo.com,2023-07-24:/blog/friendship-money-wealth-income-gap

Maintaining friendships across different financial circumstances can be tough, whether you earn less or more than your friends.

2023-07-18T00:00:00Z tag:monzo.com,2023-07-18:/blog/2023/07/18/five-lessons-from-my-first-year-at-monzo

Tarah Srethwatanakul is a Lead Researcher at Monzo. In this blog post, she shares lessons from her first year at the company.

2023-07-16T00:00:00Z tag:monzo.com,2023-07-16:/blog/festival-money-saving-tips

Festival season isn't cheap, but there are clever ways to cut down your expenses.

2023-07-12T00:00:00Z tag:monzo.com,2023-07-12:/blog/2023/07/10/how-we-do-product-management-in-the-financial-difficulties-space

In Financial Health, we're responsible for making sure we build the right tools and experiences to help our customers through thick and thin if they experience financial difficulties, while also helping Monzo grow its Borrowing products.

2023-07-12T00:00:00Z tag:monzo.com,2023-07-12:/blog/save-money-festivals-pots

Leo, 29, uses Pots to give himself financial flexibility at festivals. Here's how.

2023-07-06T00:00:00Z tag:monzo.com,2023-07-06:/blog/saving-money-last-minute-wedding

Julia, 30, got a last-minute package deal on her wedding to save money. Here's how she's saving up for the big day.

2023-07-05T00:00:00Z tag:monzo.com,2023-07-05:/blog/manage-money-group-holidays

Ariana, 26, and her friends had a great holiday despite their contrasting approaches to money.

2023-07-03T00:00:00Z tag:monzo.com,2023-07-03:/blog/monzo-premium-travel-insurance-provider-update

From 3rd July 2023, Monzo Premium's worldwide family travel insurance will be provided by Zurich, powered by Qover. This blog explains more about the switch, including how Zurich's own Terms and Conditions differ from the previous provider.

2023-06-28T00:00:00Z tag:monzo.com,2023-06-28:/blog/debt-budgeting-tips

How Kitty, 23, an accountant from Eastbourne, budgeted her way out of debt in three months.

2023-06-25T00:00:00Z tag:monzo.com,2023-06-25:/blog/small-budget-wedding-planning-tips

Lauren, 31, saved money on her big day by rethinking what a wedding ‘should' look like.

2023-06-15T00:00:00Z tag:monzo.com,2023-06-15:/blog/group-holidays-bill-splitting-monzo

Sam, 36, organises his friendship group's holiday. Here's how he keeps the peace when it comes to money.

2023-06-14T00:00:00Z tag:monzo.com,2023-06-14:/blog/monzo-pots-save-money-healthy-eating

Grace, 27, is getting healthy and saving money at the same time using Pots.

2023-06-12T00:00:00Z tag:monzo.com,2023-06-12:/blog/save-money-wedding-monzo-pots

Lily, 32, and her fiancé used Pots to save for their wedding without having to sacrifice their daily lifestyle.

2023-06-11T00:00:00Z tag:monzo.com,2023-06-11:/blog/how-to-save-for-a-wedding-using-monzo

The average cost of a wedding is £18,400. Here's how to make saving up more manageable.

2023-06-07T00:00:00Z tag:monzo.com,2023-06-07:/blog/managing-money-group-holidays-monzo

For a stress-free trip with friends or family this summer, here are four ways to cut the risk of friction around finances.

2023-06-04T00:00:00Z tag:monzo.com,2023-06-04:/blog/pay-not-to-be-there-challenge-save-money

The cost of an average night out is rising. Here's one easy way to bring your monthly costs down.

2023-06-01T00:00:00Z tag:monzo.com,2023-06-01:/blog/2023/06/01/finding-your-fit-in-a-new-product-team/

This is my experience of how I searched for and found my fit as a Product Designer in my first few months at Monzo, but I believe this applies to any role joining a new product team.

2023-05-25T00:00:00Z tag:monzo.com,2023-05-25:/blog/financially-supporting-family-bank-of-mum-and-dad

Alice, 25, has provided for her family since she was a teenager and is saving to buy her parents a house.

2023-05-23T00:00:00Z tag:monzo.com,2023-05-23:/blog/how-to-save-for-travel-spontaneity-fund

If you want to take advantage of cheaper travel deals right now, consider starting a 'Spontaneity Fund'.

2023-05-18T00:00:00Z tag:monzo.com,2023-05-18:/blog/2023/05/18/sensitivity-analysis

This blog explains sensitivity analysis, which is a useful data science technique for assessing the impact of different variables on an outcome metric.

2023-05-15T00:00:00Z tag:monzo.com,2023-05-15:/blog/how-to-save-for-summer

If you'd like to increase your savings in time for summer without making huge sacrifices, read on.

2023-05-12T00:00:00Z tag:monzo.com,2023-05-12:/blog/save-money-for-eurovision-monzo-pots

Sylvia, 38, is a graphic designer and Eurovision superfan with a unique way of using Monzo Pots to save money to attend each year.

2023-05-10T00:00:00Z tag:monzo.com,2023-05-10:/blog/2023/05/04/how-we-manage-technology-risk-at-monzo

In this post, three Monzonauts explain how they work together with each other and other disciplines to manage risk in a fast-moving tech-focused banking environment. 

2023-05-08T00:00:00Z tag:monzo.com,2023-05-08:/blog/using-monzo-in-the-uk-after-holiday

Make your positive money habits last longer than a holiday romance.

2023-05-04T00:00:00Z tag:monzo.com,2023-05-04:/blog/2022-diversity-and-inclusion-report

We're proud to serve over 7 million customers across the UK. Those customers come from many different backgrounds, and so we need a team who represent the same kind of diversity to best understand and solve their problems.

2023-05-04T00:00:00Z tag:monzo.com,2023-05-04:/blog/2023/05/04/i-only-got-monzo-for-holidays-now-i-use-it-for-everything-and-have-saved

How self-employed PT Oscar, 31, went from using Monzo only for travelling to using it day to day and saving up £10k

2023-04-28T00:00:00Z tag:monzo.com,2023-04-28:/blog/2023/04/28/speeding-up-our-balance-read-time-the-planning-phase

The ledger is where we keep track of all customer money movements coming in and out of customers' accounts. We started a project to speed up the ledger balance read time. In this post we'll cover the planning and experiments we ran.

2023-04-27T00:00:00Z tag:monzo.com,2023-04-27:/blog/2023/04/28/payday-tips-while-treating-yourself

Don't forget to factor in treats and enjoyment when managing your money after payday.

2023-04-26T00:00:00Z tag:monzo.com,2023-04-26:/blog/spending-money-on-pets

Here's how animal-lover Sarah, 35, makes sure she can afford to give her geriatric pets a luxury lifestyle.

2023-04-25T00:00:00Z tag:monzo.com,2023-04-25:/blog/monzo-pots-for-pets-cats

Cat-lover Gemma, 31, uses Pots to make sure Marmite and Twiglet live their best lives.

2023-04-18T00:00:00Z tag:monzo.com,2023-04-18:/blog/managing-money-with-pets

We all want to be able to give our pets the lives they deserve.

2023-04-13T00:00:00Z tag:monzo.com,2023-04-13:/blog/2023/04/13/business-instant-access-savings-are-here

Introducing our all-new business Instant Access Savings Pot, grow your spare funds.

2023-03-29T00:00:00Z tag:monzo.com,2023-03-29:/blog/2023/03/29/were-helping-you-build-a-safety-net

Build a cash safety net to cover essential bills and costs, just in case you ever need it.

2023-03-28T00:00:00Z tag:monzo.com,2023-03-28:/blog/2023/03/28/what-we-learned-from-43-experiments-in-12-months

This blog shares some of the learnings we've had from our experiments in customer help and support over the last year

2023-03-23T00:00:00Z tag:monzo.com,2023-03-23:/blog/2023/03/23/no-spend-year-challenge

Jessie, 31, has committed to a no-spend year in 2023. Here, she explains why and how it's going so far.

2023-03-23T00:00:00Z tag:monzo.com,2023-03-23:/blog/2023/03/24/how-to-do-a-no-spend-challenge

A no-spend challenge sounds restrictive but with the right rules in place, it doesn't have to be.

2023-03-22T00:00:00Z tag:monzo.com,2023-03-22:/blog/2019/12/23/how-well-contact-you

Keeping your money safe and protecting you from fraud is our priority.

2023-03-20T00:00:00Z tag:monzo.com,2023-03-20:/blog/2023/03/20/what-do-app-screens-and-pedestrian-crossings-have-in-common

This blog talks about why app screens are like pedestrian crossings, or more specifically, how some subtle tweaks to a user-interface in Monzo's sign-up process has had a surprisingly large impact!

2023-03-17T00:00:00Z tag:monzo.com,2023-03-17:/blog/2023/03/17/deinfluencing-mindful-shopping-tips

De-influencing encourages us to be more conscious of our spending. Here's how to put the trend in action.

2023-03-16T00:00:00Z tag:monzo.com,2023-03-16:/blog/what-is-deinfluencing-tiktok-save-money

Four people reveal how TikTok's de-influencing trend is impacting their shopping habits.

2023-03-10T00:00:00Z tag:monzo.com,2023-03-10:/blog/2023/10/03/how-to-start-talking-about-money-overspending

Rachel, 31, lives in South East London and earns £38k a year. Here's how she stopped overspending and started to open up to her partner and friends about money.

2023-03-02T00:00:00Z tag:monzo.com,2023-03-02:/blog/2022/03/02/designing-a-regional-experiment-to-measure-incrementality

This blog post covers the approach for how we designed a regional experiment to measure the incremental impact of our referral scheme on new customer growth.

2023-03-02T00:00:00Z tag:monzo.com,2023-03-02:/blog/2023/03/07/how-to-create-a-sinking-fund

A "sinking fund" helps Rosie plan for surprise expenses outside her budget. Here's how she set one up.

2023-03-01T00:00:00Z tag:monzo.com,2023-03-01:/blog/2023/03/09/sinking-fund-future-you-pots

A Future You Fund is money outside your budget that goes towards surprises expenses. Here's how to set one up. Your future self will thank you.

2023-02-24T00:00:00Z tag:monzo.com,2023-02-24:/blog/2023/02/23/manage-your-money-minimal-effort

If you're short on time and/or energy, try these hacks to reach your money goals with minimal effort.

2023-02-22T00:00:00Z tag:monzo.com,2023-02-22:/blog/2023/02/21/automated-savings-1p-challenge

Anwar, 28, is a junior doctor based in Birmingham who earns £39k a year. This is how he automated his savings using Monzo.

2023-02-22T00:00:00Z tag:monzo.com,2023-02-22:/blog/2023/02/22/becoming-direct-participants-of-bacs

In September 2022, Monzo became a Direct Participant of the Bacs scheme. In this post, Tech Lead Ryan explains how we built a new connection to the the Bacs scheme over the SWIFT banking network and managed the risks involved.

2023-02-21T00:00:00Z tag:monzo.com,2023-02-21:/blog/2023/02/21/build-confidence-managing-money

If you're not naturally confident with money, don't worry. Here are six ways to feel more in control of your finances.

2023-02-16T00:00:00Z tag:monzo.com,2023-02-16:/blog/instant-access-savings-are-here

Introducing: our all-new Instant Access Savings Pot.

2023-02-15T00:00:00Z tag:monzo.com,2023-02-15:/blog/2023/02/15/using-topic-modelling-to-understand-customer-saving-goals

This blog post walks you through how we used a method called topic modelling to categorise Pot names into different themes so we can understand which Pots are used for holidays, life events, or just general savings.

2023-02-14T00:00:00Z tag:monzo.com,2023-02-14:/blog/2023/02/15/managing-money-while-single

Michael Wright, 32, recently came out of a relationship and it's changed the way he manages his money. Here, he shares what's more difficult and what's easier now he's single.

2023-02-02T00:00:00Z tag:monzo.com,2023-02-02:/blog/2023/02/02/catherines-story

Catherine, 31, is a student studying for a psychology master's while working as a part-time staff nurse. Based in Falkirk, Scotland, she rents with her partner and a parent who lives with them part-time.

2023-01-31T00:00:00Z tag:monzo.com,2023-01-31:/blog/2023/01/31/an-update-on-our-gender-pay-gap-jan-2023

In October 2021, we reported our gender pay gap as a snapshot for April 2020 and April 2021. This update looks at the gender pay gap changes since we last reported.

2023-01-31T00:00:00Z tag:monzo.com,2023-01-31:/blog/2023/01/31/lukes-story

By automating his saving through round ups and IFTTT, Luke has become more consistent with putting money away and feels more responsible as a result. Here's how he did it!

2023-01-27T00:00:00Z tag:monzo.com,2023-01-27:/blog/2023/01/26/preparing-for-spikes-in-traffic-as-millions-get-paid-early

This blog explains the problems that occur when hundreds of thousands of customers all request to be paid millions of pounds at almost exactly the same time, and what we do to keep things running smoothly while that happens.

2023-01-25T00:00:00Z tag:monzo.com,2023-01-25:/blog/2023/01/25/rickys-story

Ricky Zalman, 32, is an actor based in Surrey who also works in recruitment in a drama school. He rents a flat alone and earns around £36k a year.

2023-01-18T00:00:00Z tag:monzo.com,2023-01-18:/blog/2023/01/18/olakunles-story

Olakunle, 37, lives in Rugeley, Staffordshire, with his partner and two children, aged seven and three. He works as a data analyst in the healthcare sector and earns £40k a year.

2023-01-12T00:00:00Z tag:monzo.com,2023-01-12:/blog/monzo-pots-amys-story

Amy Cunningham, 38, lives in Merthyr Tydfil, south Wales, with her husband and three children. She's a civil servant and earns £26k a year.

2023-01-10T00:00:00Z tag:monzo.com,2023-01-10:/blog/monzo-pots-robs-story

Rob, 44, lives in Nottinghamshire with his mum, who he cares for after she recently had a stroke. He's a deputy store manager at B&M and takes home around £1,300 each month.

2023-01-09T00:00:00Z tag:monzo.com,2023-01-09:/blog/cost-of-living-quick-update

The cost of living crisis is affecting all of us in some way. We're keeping you updated on what we're doing to help.

2023-01-09T00:00:00Z tag:monzo.com,2023-01-09:/blog/small-change-control

Small Change is a new series of ideas we're sharing to help you stay on top of your money and make it go a little further. This post is all about ways to take more control.

2023-01-09T00:00:00Z tag:monzo.com,2023-01-09:/blog/small-change-manage

Small Change is a new series of ideas we're sharing to help you stay on top of your money and make it go a little further. First up: getting more visibility on your money.

2023-01-09T00:00:00Z tag:monzo.com,2023-01-09:/blog/small-change-save

Small Change is a new series of ideas we're sharing to help you stay on top of your money and make it go a little further. Our final blog post is all about saving.

2022-12-28T00:00:00Z tag:monzo.com,2022-12-28:/blog/2022/12/28/whats-so-unique-about-design-and-research-at-monzo

Recently, one of our Senior Product Designers, Jay, spoke to a group of junior designers who wanted to learn more about Fintech. Here's how our design and research team has found working in Fintech.

2022-12-19T00:00:00Z tag:monzo.com,2022-12-19:/blog/2022/12/19/machine-learning-at-monzo-in-2022

An end-of-year review of how machine learning continues to evolve and grow at Monzo

2022-12-15T00:00:00Z tag:monzo.com,2022-12-15:/blog/2022/12/15/building-an-extension-framework-for-dbt

dbt is a fundamental piece of Monzo's data platform. We made the big decision to build a whole new extension framework that would give us more flexibility.

2022-12-15T00:00:00Z tag:monzo.com,2022-12-15:/blog/targets-in-trends/

Set a monthly spend goal and clearly track how you're doing with targets. And with balance and spending, Trends is the place to manage your money better.

2022-12-13T00:00:00Z tag:monzo.com,2022-12-13:/blog/2022/12/13/monzo-magic-hackathon

This August, as we were wrapping up the summer, Monzonauts across the business set out to learn from each other, have fun and build things centred around one theme: Monzo Magic. This activity is commonly referred to in the industry as a hackathon.

2022-12-06T00:00:00Z tag:monzo.com,2022-12-06:/blog/business-banking/a-guide-to-purchase-orders

What is a purchase order, what information do you need to include, and what's the difference between a purchase order & an invoice? Our guide covers it.

2022-12-05T00:00:00Z tag:monzo.com,2022-12-05:/blog/2022/12/05how-to-balance-spending-and-saving

Curb unnecessary spending and build a savings habit you can actually sustain.

2022-12-04T00:00:00Z tag:monzo.com,2022-12-04:/blog/business-banking/how-to-get-unpaid-invoices-paid

Unpaid invoices can be stressful, but unfortunately not uncommon. Waiting on an overdue invoice? Here's the steps you can take to get it paid.

2022-12-03T00:00:00Z tag:monzo.com,2022-12-03:/blog/business-banking/what-is-an-invoice

What is an invoice, how do you create one, and what information needs to be included? Our guide will help you make sense of it all.

2022-12-02T00:00:00Z tag:monzo.com,2022-12-02:/blog/business-banking/gross-profit-net-profit-and-profit-margins-what-are-they-how-to-calculate

What is gross profit? Net profit? Profit Margins? This guide explains what they are, how to calculate them and what they can tell you about your business.

2022-11-30T00:00:00Z tag:monzo.com,2022-11-30:/blog/2022/11/29/budgeting-for-things-that-bring-me-joy-helped-me-pay-off-debt-and-start

Cutting back on less important things while still spending on exercise and entertainment helped Joe, 31, develop a lasting savings habit.

2022-11-28T00:00:00Z tag:monzo.com,2022-11-28:/blog/2022/11/28/our-borrowing-principles

As part of our commitment to being a responsible lender, we follow 3 principles. This is our promise to you, and shows what you can expect if you borrow money from Monzo.

2022-11-25T00:00:00Z tag:monzo.com,2022-11-25:/blog/2022/11/25/reducing-nat-gateway-cost-with-private-networking-between-aws-and-gcp

Sharing knowledge on how we implementing private networking between AWS and GCP

2022-11-18T00:00:00Z tag:monzo.com,2022-11-18:/blog/2022/11/16/how-insights-shaped-building-a-0-1-product-monzo-flex

We wanted to share more about why we launched a new 0-1 product to help people pay for purchases later and how a mixed-method research discovery led to the product that over hundreds of thousands of customers use and love today!

2022-11-10T00:00:00Z tag:monzo.com,2022-11-10:/blog/2022/11/10/design-system-approach-to-research-guidelines

If you're starting out in a new role in research ops, design ops or any other kind of team operations, this blog will take you through the ins and outs of creating a flexible how-to guide database for scale.

2022-11-08T00:00:00Z tag:monzo.com,2022-11-08:/blog/cash-stuffing-and-other-old-school-ways-to-save-money-with-monzo

Classic saving methods involving cash are becoming more popular. Here's how you can do them with Monzo.

2022-11-08T00:00:00Z tag:monzo.com,2022-11-08:/blog/cost-of-living-how-were-supporting-you-and-your-business

The cost of living crisis is affecting all of us in some way. We've been speaking to business customers about their experiences and worries, and we've summarised how we can help as the situation evolves.

2022-11-08T00:00:00Z tag:monzo.com,2022-11-08:/blog/digital-cash-stuffing-with-monzo-pots-save-money

Old school savings techniques are having a comeback. Marie, 49, saved for her dream kitchen in a year by digitising tried-and-tested money-saving methods.

2022-11-07T00:00:00Z tag:monzo.com,2022-11-07:/blog/2022/11/02/argo-rollouts-at-scale

We introduced automated rollbacks to our platform using Argo Rollouts and made it the default deployment strategy for all our services. This helps us roll out changes safely and catch a wide class of problems related to deploying new code

2022-11-04T00:00:00Z tag:monzo.com,2022-11-04:/blog/2022/11/04/how-we-design-magic-moments-at-monzo

Vuokko Aro, VP of Design talks about how Monzo designs experiences that are surprisingly magical.

2022-10-24T00:00:00Z tag:monzo.com,2022-10-24:/blog/adhd-women-managing-money-dopamine-friendly

With our new research revealing ADHD costs women £200 more than men annually because of its impact on managing money, we meet a young woman who's managing life and finances with ADHD.

2022-10-24T00:00:00Z tag:monzo.com,2022-10-24:/blog/adhd-women-money-impulse-spending

With our new research finding ADHD has an outsized impact on how women manage their money, we meet a young woman who's learning more about living and managing money with ADHD.

2022-10-17T00:00:00Z tag:monzo.com,2022-10-17:/blog/weve-had-a-little-makeover

Our visual branding has a fresh new look. It's more friendly, more human, more Monzo ❤️

2022-10-13T00:00:00Z tag:monzo.com,2022-10-13:/blog/2022/10/13/becoming-a-product-marketing-manager-at-monzo

Rore shares what a product marketing manager does do and what a typical day in the life looks like.

2022-10-04T00:00:00Z tag:monzo.com,2022-10-04:/blog/2022/10/04/product-management-at-monzo-the-interview-process

In this blog we share details about what our product manager interviewing process looks like behind the scenes!

2022-09-28T00:00:00Z tag:monzo.com,2022-09-28:/blog/2022/09/29/migrating-our-monorepo-seamlessly-from-dep-to-go-modules

Since 2018, we've used Dep to manage our monorepo dependencies, but when it was deprecated switching to Go Modules was a high risk change. This post explains how we reduced that risk by iteratively updating our dependencies for a seamless migration.

2022-08-24T00:00:00Z tag:monzo.com,2022-08-24:/blog/cost-of-living-how-were-supporting

The cost of living crisis is affecting all of us in some way. We've been speaking to customers about their experiences and worries, and we've summarised how we can help as the situation evolves.

2022-08-18T00:00:00Z tag:monzo.com,2022-08-18:/blog/great-holidays-great-spending-memories

Post-trip finance admin can be a drag, but Monzo makes it easy to get a clear view on holiday spending, settle up with friends & start saving for your next trip.

2022-08-16T00:00:00Z tag:monzo.com,2022-08-16:/blog/balance-in-trends

There's a new line graph that makes it a breeze to keep track of your balance so you don't feel short at the end of the month. Find out more

2022-08-04T00:00:00Z tag:monzo.com,2022-08-04:/blog/2022/08/05/scaling-our-security-detection-pipeline-with-sigma

Detective controls help us monitor our systems for unwanted behaviour, but since writing our first detection rules, our company and team has grown. This post explains how we scaled those detection rules using Sigma and have open sourced our tooling.

2022-07-25T00:00:00Z tag:monzo.com,2022-07-25:/blog/2022/07/26/switching-from-customer-service-representative-to-backend-engineer

Kyle joined Monzo as a COp, a customer service representative, but three years on he now works in a product team as one of our backend engineers! Kyle and his mentor Duncan share the story of how Kyle made his career switch

2022-07-25T00:00:00Z tag:monzo.com,2022-07-25:/blog/is-monzo-premium-worth-it

Yes! Monzo Premium customers can save on average £64 a year on worldwide travel & phone insurance. Find out more about Monzo Premium's benefits.

2022-07-21T00:00:00Z tag:monzo.com,2022-07-21:/blog/2022/07/22/a-week-in-the-life-of-a-product-manager-at-monzo

Product managers have such a varied role it can be tricky to know what day to day work looks like. Shnay Chohan explains what being a PM means at Monzo and walks through his typical week - complete with his favourite tunes for each day of the week!

2022-07-05T00:00:00Z tag:monzo.com,2022-07-05:/blog/2022/07/06/researching-operations-at-monzo-building-a-product-our-customers-never-see

Take a look behind the scenes and find out how we're building an internal tool that's every bit as good as the app that wins customer awards.

2022-07-04T00:00:00Z tag:monzo.com,2022-07-04:/blog/2022/07/05/my-first-3-months-at-monzo-as-a-product-manager

Since joining Monzo, Tim has been asked a lot of questions about what it's like to be a product manager here. In this post, Tim explains the interview process, his first few weeks, and how he's finding it all so far.

2022-06-30T00:00:00Z tag:monzo.com,2022-06-30:/blog/2022/06/30/were-launching-in-app-charity-donations

You can now donate directly to charities from the Monzo app

2022-06-27T00:00:00Z tag:monzo.com,2022-06-27:/blog/the-extra-costs-of-living-with-adhd

We commissioned some new research to learn about the impact that ADHD has on how people manage their money, and how digital banking can help.

2022-06-23T00:00:00Z tag:monzo.com,2022-06-23:/blog/2022/06/24/redefining-our-microservice-development-process

We've been working on some new techniques to help make the development of services easier as we continue to grow and the entire platform can't be run locally.

2022-06-22T00:00:00Z tag:monzo.com,2022-06-22:/blog/2022/06/23/our-mobile-release-process-an-illustrated-story

We go into our mobile release process and how we're able to sustain a steady stream of releases as the changes that go into each version increase over time

2022-06-21T00:00:00Z tag:monzo.com,2022-06-21:/blog/2022/06/22/how-to-increase-your-impact-as-a-product-designer

Impact gets used a lot in relation to career progression here at Monzo. What does impact really mean and how do you put it in to practice

2022-06-21T00:00:00Z tag:monzo.com,2022-06-21:/blog/our-2021-diversity-and-inclusion-report

We've made progress on a number of our diversity and inclusion goals, like improving representation of People of Colour and women, reducing our gender pay gap to 4% and increasing the age diversity of our team.

2022-06-14T00:00:00Z tag:monzo.com,2022-06-14:/blog/2022/06/14/virtual-cards-for-monzo-business-pro

Virtual cards are brand new to Monzo Business Pro. We designed virtual cards to help Business owners and members to stay in control of their business spend and spend safely online.

2022-05-25T00:00:00Z tag:monzo.com,2022-05-25:/blog/2022/05/24/send-money-abroad-with-monzo-business

We've partnered with Wise to give you a simple, cheap way to send money abroad. Always using the real exchange rate, with no hidden fees.

2022-05-25T00:00:00Z tag:monzo.com,2022-05-25:/blog/2022/05/26/humans-who-can-rpc-securing-staff-access-to-microservices

With over 2000 microservices and lots of Remote Procedure Calls (RPCs) that are constantly changing, we needed a new way to manage staff access. The Security Platform team explain how we now define RPC permissions directly in proto files.

2022-05-23T00:00:00Z tag:monzo.com,2022-05-23:/blog/2022/05/24/pellets-not-cannonballs-how-we-experiment-at-monzo

In Alex's first 6 months at Monzo, we ran 21 experiments. In this post, Alex explains how we design and run experiments, and how they help us improve the customer experience.

2022-05-17T00:00:00Z tag:monzo.com,2022-05-17:/blog/2022/05/18/joining-monzo-as-a-data-scientist

Izak joined Monzo as a data scientist in February. In this post, he shares his journey to Monzo and his early experience in the data discipline, with our data stack, and in the team looking after our Customer Operations.

2022-05-15T00:00:00Z tag:monzo.com,2022-05-15:/blog/2022/05/16/how-we-deploy-to-production-over-100-times-a-day

Our success relies on us rapidly shipping new features. To achieve this rapid release cadence, we've optimised our engineering culture, tooling, and architecture to go from idea to production as frictionless as possible, without sacrificing safety.

2022-05-12T00:00:00Z tag:monzo.com,2022-05-12:/blog/2022/05/13/moving-from-data-science-into-machine-learning

Rob joined Monzo as a Data Scientist, and recently moved into Machine Learning. Here's his journey!

2022-05-05T00:00:00Z tag:monzo.com,2022-05-05:/blog/2022/05/06/becoming-an-engineering-manager-1-year-in

Last year, I made the switch into engineering management full time. It's been an interesting journey with lots of lessons learned.

2022-05-04T00:00:00Z tag:monzo.com,2022-05-04:/blog/2022/05/04/view-cvc-in-app

Usually called the CVC, and found on the back of your card.

2022-04-28T00:00:00Z tag:monzo.com,2022-04-28:/blog/monzo-parents

We spoke to parents across Monzo to learn about their experiences of balancing building a bank with taking care of their little ones.

2022-04-25T00:00:00Z tag:monzo.com,2022-04-25:/blog/2022/04/26/monzos-machine-learning-stack

Neal Lathia, Director of Machine Learning at Monzo gives an overview of Monzo's machine learning platform, the principles behind it, and future plans.

2022-04-20T00:00:00Z tag:monzo.com,2022-04-20:/blog/2022/04/20/how-our-android-engineers-automated-the-removal-of-kotlin-synthetics

Our Mobile Platform team recently faced the challenge of having to remove all synthetic view properties. This post explains how we built a tool to automate the task and the trade-offs we had to consider along the way.

2022-04-11T00:00:00Z tag:monzo.com,2022-04-11:/blog/2022/04/12/how-anyone-at-monzo-can-test

Everyone at Monzo gets involved in testing new features and versions of the app before we release them. In this post Sarah, part of our Quality Assurance team, explains the different types of tests we use and how we run them.

2022-04-03T00:00:00Z tag:monzo.com,2022-04-03:/blog/2022/04/04/my-first-3-months-at-monzo-as-an-engineering-manager

Jarryd joined Monzo as an engineering manager a few months ago. In this post he shares his journey to Monzo and how he found his feet in his new role.

2022-03-30T00:00:00Z tag:monzo.com,2022-03-30:/blog/2022/03/31/how-we-secure-monzos-banking-platform

Our Security Infrastructure team introduces the principles we follow to build security in Monzo's fast-moving engineering environment and how they work with other engineering teams to keep our customers and platform safe.

2022-03-21T00:00:00Z tag:monzo.com,2022-03-21:/blog/2022/03/21/data-hiring-at-monzo

We hire lots of different people in Data who join us to work in a lot of different teams. Our interviews are designed to do two things: teach you about Monzo and capture information that tells us the role is right for you.

2022-03-21T00:00:00Z tag:monzo.com,2022-03-21:/blog/2022/03/21/our-tax-strategy

The tax we pay helps to fund the public services that we all rely on. As a responsible business, we're committed to doing the right thing for society, and that approach is reflected in our tax strategy.

2022-03-16T00:00:00Z tag:monzo.com,2022-03-16:/blog/how-to-open-a-business-bank-account-with-just-your-phone

Open a full bank account, straight from your phone, with Monzo Business.

2022-03-08T00:00:00Z tag:monzo.com,2022-03-08:/blog/2022/03/08/international-womens-day-2022

Career stories from the women at Monzo

2022-03-02T00:00:00Z tag:monzo.com,2022-03-02:/blog/2022/03/2/everything-you-need-to-know-about-making-tax-digital

We've teamed up with our friends at Xero to share everything you need to know before 1 April's Making Tax Digital deadline 🧾

2022-02-24T00:00:00Z tag:monzo.com,2022-02-24:/blog/2022-02-24/scaling-our-on-call-process

As Monzo has grown, we've continued to change our on-call process so we can keep our systems running smoothly without sacrificing the wellbeing of our engineers. Luke Briscoe explains what we've changed and how.

2022-02-23T00:00:00Z tag:monzo.com,2022-02-23:/blog/2022/02/23/mutual-mentoring-at-monzo

Our teammates talk us through how taking part in mutual mentoring has helped develop their professional and personal journeys.

2022-02-18T00:00:00Z tag:monzo.com,2022-02-18:/blog/2022/02/18/how-we-calculate-balances

In June 2021 we started designing and implementing a new way to calculate balances that is more reliable and consistent. This post explains why the old approach needed improving and the changes we made.

2022-02-16T00:00:00Z tag:monzo.com,2022-02-16:/blog/2022/02/16/what-is-economic-abuse-and-how-to-spot-it

Economic abuse can be hard to spot, and can happen gradually or subtly, without you even realising. Our Vulnerable Customer Manager Kate Graham explains what economic abuse looks like, and how Monzo can help.

2022-02-15T00:00:00Z tag:monzo.com,2022-02-15:/blog/2022/02/15/securely-delegating-trust-with-digital-signatures-and-secret-storage-systems

This post explains how our public key infrastructure uses a combination of different secret storage systems to implement a balance between security assurances and usability.

2022-02-08T00:00:00Z tag:monzo.com,2022-02-08:/blog/2022/02/08/processing-payments-safely-at-scale

We ship changes many times a day while making sure that payments are processed as expected. This blog post explores how we do this and focuses on two ideas that could be useful outside of the world of payment processing.

2022-02-04T00:00:00Z tag:monzo.com,2022-02-04:/blog/2022/02/04/how-we-validated-our-handling-time-data

We make lots of decisions based on data from customer support. We need to make sure we can trust this data. In this post, Niamh explains how her team validated the data.

2022-01-28T00:00:00Z tag:monzo.com,2022-01-28:/blog/2022/01/28/keep-your-phone-and-monzo-app-up-to-date

Your Monzo account is more secure and you have access to all our latest features when your app and phone are up to date.

2022-01-21T00:00:00Z tag:monzo.com,2022-01-21:/blog/first-three-months-product-designer

Heldiney joined Monzo in August 2021 as a Product Designer in the Personal Banking team. Here's his early impressions!

2022-01-19T00:00:00Z tag:monzo.com,2022-01-19:/blog/how-to-save-money-as-you-run-walk-or-cycle

Save money as you exercise and tick off two New Years' Resolutions in one.

2022-01-19T00:00:00Z tag:monzo.com,2022-01-19:/blog/how-to-save-the-spare-change-with-round-ups

Round up your spending to the nearest pound and put the spare change in a Pot.

2022-01-19T00:00:00Z tag:monzo.com,2022-01-19:/blog/save-gbp667-95-a-year-with-the-1p-saving-challenge

It's a simple way to save money, and it starts by saving just 1p.

2022-01-19T00:00:00Z tag:monzo.com,2022-01-19:/blog/save-money-when-you-tweet

If you had £1 for every time you tweet, how long would it take you to be a millionaire?

2022-01-17T00:00:00Z tag:monzo.com,2022-01-17:/blog/2022/02/17/my-first-6-months-at-monzo-as-a-backend-engineer

Bee Skerritt joined the Infrastructure squad as a backend engineer. In this post, he explains his journey to Monzo and his experience so far.

2022-01-12T00:00:00Z tag:monzo.com,2022-01-12:/blog/extending-our-open-banking-gambling-block

Following a pilot with Truelayer last year, we're extending our Open Banking gambling block to all UK firms.

2021-12-22T00:00:00Z tag:monzo.com,2021-12-22:/blog/2021/12/22/how-to-think-about-the-roi-of-data-work

Next time someone asks about data ROI, show them this formula.

2021-12-16T00:00:00Z tag:monzo.com,2021-12-16:/blog/2021/12/16/customise-contactless-limits

Set limits to levels that help you feel in control. Up to £100 in a single payment or £200 over multiple ones (before we ask for your PIN).

2021-11-29T00:00:00Z tag:monzo.com,2021-11-29:/blog/2021/11/29/get-paid-with-apple-pay-and-google-pay

We've made it even easier to get paid into your Monzo Business account! From now on, you can give customers more simple ways to pay with Apple Pay & Google Pay.

2021-11-23T00:00:00Z tag:monzo.com,2021-11-23:/blog/2021/11/23/monzo-flex-ways-to-pay-later

Use Monzo Flex to get more time to pay in store, online or up to two weeks later.

2021-11-18T00:00:00Z tag:monzo.com,2021-11-18:/blog/2021/11/18/protecting-our-most-sensitive-secrets

As a bank, we have private keys and other 'secrets' we need to protect, to keep our customers and ourselves safe. Our security controls work together to stop even the most determined and capable attackers.

2021-11-16T00:00:00Z tag:monzo.com,2021-11-16:/blog/dont-get-monzo

We'll play devil's advocate to help you decide.

2021-11-03T00:00:00Z tag:monzo.com,2021-11-03:/blog/2021/11/02/net-zero-carbon-emissions

We are in a climate crisis. Everyone has a responsibility to act, and to take decisions that will support a sustainable, low carbon future. Here's how we're doing our part.

2021-11-02T00:00:00Z tag:monzo.com,2021-11-02:/blog/2021/11/02/i-joined-monzo-in-2016-and-was-the-first-black-person-on-the-team

Our People Systems Lead Yehudi worked in the NHS before changing careers into fintech. He shares his experiences on how it started, and how it's going.

2021-10-28T00:00:00Z tag:monzo.com,2021-10-28:/blog/2021/10/28/machine-learning-at-monzo-in-2021

A review of Monzo's machine learning team in 2021

2021-10-25T00:00:00Z tag:monzo.com,2021-10-25:/blog/monzo-reports-to-all-credit-reference-agencies-cras-equifax-experian-transunion

We've started reporting to Equifax, which means we now report to all the main CRAs. This helps give other banks and lenders a more complete picture of your finances.

2021-10-21T00:00:00Z tag:monzo.com,2021-10-21:/blog/my-income-halved-accountant-turned-freelance-yoga-teacher

Kirsti's income decreased after a degenerative eye condition meant she could no longer work at a desk. Here's how she pivoted from full-time accounting to start her own yoga business - and kept on top of her finances through it all.

2021-10-21T00:00:00Z tag:monzo.com,2021-10-21:/blog/whats-new-in-monzo-october-2021/

Introducing Trends, Monzo Flex, pay on card from a Pot and a new way to get paid for businesses.

2021-10-17T00:00:00Z tag:monzo.com,2021-10-17:/blog/2021/10/18/how-one-26-year-old-is-balancing-her-lockdown-candle-business-with-full-time

Aliyah, 26, has always loved candles and spotted a gap in the market. During lockdown she started her business, Allen At Home, alongside her full-time job.

2021-10-14T00:00:00Z tag:monzo.com,2021-10-14:/blog/youll-be-able-to-make-contactless-payments-up-to-gbp100-to-make-paying-more

From today, you'll be able to make single payments of up to £100 using your contactless Monzo card. And you'll be able to spend a total of £200 using contactless, before we ask you to put your PIN in.

2021-10-13T00:00:00Z tag:monzo.com,2021-10-13:/blog/2021/10/14/an-introduction-to-monzos-data-stack

An overview of the data stack we use at Monzo, some of the challenges we face, and what we want to change.

2021-10-12T00:00:00Z tag:monzo.com,2021-10-12:/blog/2021/10/12/getting-paid-with-monzo-business

Getting paid should be simple - so we've made it easier than ever!

2021-10-12T00:00:00Z tag:monzo.com,2021-10-12:/blog/2021/10/13/10-great-black-writers-who-teach-us-about-black-culture

Erenma in our Customer Operations team shares her favourite writers who give us an authentic insight into the Black experience, and living as a Black person.

2021-10-08T00:00:00Z tag:monzo.com,2021-10-08:/blog/2021/10/08/what-is-open-banking

Open Banking is changing the way people manage their money. It puts you in control by letting you share your transaction data with third parties. But how does it work?

2021-10-05T00:00:00Z tag:monzo.com,2021-10-05:/blog/2021/10/06/black-history-is-all-of-our-history

We asked our Black teammates what Black History Month meant to them. Here's Elizabeth's thoughts, who heads up our Quality Assurance team.

2021-10-05T00:00:00Z tag:monzo.com,2021-10-05:/blog/trends

Discover your spending and saving patterns

2021-10-03T00:00:00Z tag:monzo.com,2021-10-03:/blog/gender-pay-gap-update-april-2020-and-april-2021

We've reduced our median gender pay gap to 4%, down from 20% between 2019 and 2021.

2021-09-30T00:00:00Z tag:monzo.com,2021-09-30:/blog/2021/09/30/documenting-pull-requests-is-as-important-as-writing-good-code

How our engineering teams document pull requests to help other teams and their future colleagues review changes.

2021-09-30T00:00:00Z tag:monzo.com,2021-09-30:/blog/i-was-out-of-work-for-18-months

A freelance magician, 32-year-old Mark was out of work for 18 months and forced to dip into his savings because of the pandemic. With Monzo's help, he's almost built his savings back up.

2021-09-29T00:00:00Z tag:monzo.com,2021-09-29:/blog/i-paid-off-gbp5k-debt-and-saved-gbp8k-for-my-dream-home-deposit

30-year-old Joe was determined to enter his thirties debt-free after years of overspending. Here's how he paid off £5k and saved a further £8k to help him get onto the property ladder.

2021-09-21T00:00:00Z tag:monzo.com,2021-09-21:/blog/pay-on-card-from-a-pot/

Pay from a Pot using a virtual card on Apple Pay or Google Pay.

2021-09-15T00:00:00Z tag:monzo.com,2021-09-15:/blog/2021/09/15/how-we-measure-software-excellence

We're experimenting with ways to measure, track, and improve the quality of our software.

2021-09-15T00:00:00Z tag:monzo.com,2021-09-15:/blog/2021/09/16/monzo-flex

Monzo Flex is here! Get more time to pay pretty much anywhere you use Monzo, on pretty much anything you want. With one application and a pre-agreed credit limit, all in your Monzo app.

2021-08-26T00:00:00Z tag:monzo.com,2021-08-26:/blog/i-started-my-dream-business-and-became-my-own-boss-during-the-pandemic

27-year-old Londoner Alexandra quit her marketing job to launch a candle business at the height of the pandemic. And thanks to some savvy saving, prudent budgeting and a practical business bank account, she hasn't looked back.

2021-08-25T00:00:00Z tag:monzo.com,2021-08-25:/blog/how-to-successfully-run-your-own-design-input-sessions

Product designer Dom breaks down our Design team's secrets to running an effective 'design input' session.

2021-08-25T00:00:00Z tag:monzo.com,2021-08-25:/blog/why-you-should-run-design-input-sessions

Discipline-wide, remote-friendly sessions where product designers, user researchers, brand designers and design directors all bring their knowledge to the table to help provide valuable feedback to work in progress.

2021-08-12T00:00:00Z tag:monzo.com,2021-08-12:/blog/2021/08/12/monzo-business-invoicing

Getting paid is fun. But often, what goes on behind the scenes isn't. Here's how Monzo Business invoices can make your life better!

2021-08-09T00:00:00Z tag:monzo.com,2021-08-09:/blog/2021/08/10/spinning-up-an-analytics-engineering-team

We've formed a new Analytics Engineering team to define what great Data looks like at Monzo, and power up teams to do great work.

2021-07-21T00:00:00Z tag:monzo.com,2021-07-21:/blog/the-human-impact-of-late-payments-on-small-businesses

Paying small businesses late isn't just about the money, it can have a real impact on people's mental health too.

2021-07-06T00:00:00Z tag:monzo.com,2021-07-06:/blog/new-international-transfers/

It's typically lower cost and easier to make an international transfer with Monzo than with high street banks.

2021-06-30T00:00:00Z tag:monzo.com,2021-06-30:/blog/12-essential-interview-questions-to-help-find-your-next-hire

Asking good questions is an essential skill when you're interviewing candidates. So we asked our Hiring team for their favourites.

2021-06-29T00:00:00Z tag:monzo.com,2021-06-29:/blog/is-monzo-safe

Your money's safe with Monzo, and more than 7 million people across the UK trust Monzo and use us to manage their money.

2021-06-16T00:00:00Z tag:monzo.com,2021-06-16:/blog/what-to-look-for-in-your-first-employee

We asked Monzo Business customers what qualities they look for in the first hire for their business. Here's what they had to say!

2021-06-09T00:00:00Z tag:monzo.com,2021-06-09:/blog/why-getting-paid-on-time-really-really-matters

Having to chase payments costs you more than just the money you're missing out on, it's extra work that takes up more time and causes extra stress.

2021-06-02T00:00:00Z tag:monzo.com,2021-06-02:/blog/seven-steps-to-validate-your-business-idea

So you've got a business idea. But does it actually hold water? Here's some ways to put it to the test!

2021-05-28T00:00:00Z tag:monzo.com,2021-05-28:/blog/holding-onto-improved-financial-habits

Many small businesses have improved their financial discipline over the last 12 months. Even as the pandemic recedes and growth returns, these habits are well worth holding onto.

2021-05-26T00:00:00Z tag:monzo.com,2021-05-26:/blog/four-essential-monthly-tasks-for-every-small-business-owner

As a business owner, there are hundreds of little tasks demanding your attention. But here are four things you can do every month that can make a big difference.

2021-05-20T00:00:00Z tag:monzo.com,2021-05-20:/blog/start-planning-your-business-again

Things are slowly getting back to normal. So it's a great time to think about planning for the future of your business.

2021-05-13T00:00:00Z tag:monzo.com,2021-05-13:/blog/card-scams

Everything you need to know about the most common card scams out there, and how to protect yourself.

2021-05-12T00:00:00Z tag:monzo.com,2021-05-12:/blog/2021/05/12/new-improved-invoices

Monzo Business Pro customers: we've made a bunch of improvements to invoices, to make them easier to send, and clearer to understand ✨

2021-05-12T00:00:00Z tag:monzo.com,2021-05-12:/blog/2021/05/13/supporting-our-customers-through-mental-health-problems

At Monzo we know that your mental health profoundly impacts how you manage your money.

2021-05-12T00:00:00Z tag:monzo.com,2021-05-12:/blog/good-start-new-tax-year

Get into good habits from day one of the new tax year with these handy hints.

2021-05-05T00:00:00Z tag:monzo.com,2021-05-05:/blog/how-to-support-local-businesses-coming-out-of-lockdown

After being stuck at home for months, the country is starting to open up. As things return to normal, here are some ways to give your local businesses a boost.

2021-05-04T00:00:00Z tag:monzo.com,2021-05-04:/blog/new-bill-split-reminder/

Just go to the transaction, and tap "send payment reminder".

2021-04-26T00:00:00Z tag:monzo.com,2021-04-26:/blog/introducing-feed-and-manage

The 'Feed' and 'Manage' tabs are designed to make it easier to manage your account, and see what's going into and coming out of your Pots.

2021-04-22T00:00:00Z tag:monzo.com,2021-04-22:/blog/lessons-from-implementing-progression-frameworks-at-scale

We introduced the first progression framework for engineers about three years ago. But as the engineering organisation has changed, we found it was hurting, not helping career conversations at Monzo. This is what we did to fix it.

2021-04-20T00:00:00Z tag:monzo.com,2021-04-20:/blog/2021/04/20/new-features-for-connected-accounts-and-virtual-cards

We've added some exciting new features to help you get more visibility and control over your other accounts and better manage subscriptions and free trials.

2021-03-31T00:00:00Z tag:monzo.com,2021-03-31:/blog/the-appg-for-gambling-harms-joins-the-call

The GRHAPPG - a cross party coalition of MPs dedicated to securing gambling reform - has joined our call to make sure that everyone in the UK can access gambling blocks.

2021-03-30T00:00:00Z tag:monzo.com,2021-03-30:/blog/2021/03/30/get-ready-for-the-road-with-rac

A new special offer, exclusively for Monzo Plus & Premium customers.

2021-03-24T00:00:00Z tag:monzo.com,2021-03-24:/blog/staring-a-business-from-home-what-you-need-to-know

You can take the first steps to being your own boss without even leaving the house. Here's what it takes to get started.

2021-03-24T00:00:00Z tag:monzo.com,2021-03-24:/blog/young-family-start-a-new-business

Starting a new business is challenging enough. How do you do it successfully with a young family in tow?

2021-03-23T00:00:00Z tag:monzo.com,2021-03-23:/blog/2020/12/17/how-to-cope-with-being-made-redundant

Coronavirus is affecting people's lives up and down the country, particularly our finances. We've asked StepChange Debt Charity for their top tips on taking back control of your finances in a year where so many of us desperately need help.

2021-03-23T00:00:00Z tag:monzo.com,2021-03-23:/blog/debt-borrowing-money-making-repayments-coronavirus-stepchange

Debt charity Stepchange explain how to manage your debts and live on less money than usual during coronavirus.

2021-03-23T00:00:00Z tag:monzo.com,2021-03-23:/blog/outsourcing-parts-of-your-business

There comes a stage for every business where outsourcing some functions makes sense. Check out our tips on how and what to outsource.

2021-03-22T00:00:00Z tag:monzo.com,2021-03-22:/blog/helping-friends-with-money-worries

If you have a friend who's struggling with debt, they may not bring it up. But there are signs you can look out for, and ways you could help.

2021-03-22T00:00:00Z tag:monzo.com,2021-03-22:/blog/relying-on-credit-to-get-by

Using credit to pay for anything and everything isn't sustainable, and could lead to a more serious debt problem.

2021-03-22T00:00:00Z tag:monzo.com,2021-03-22:/blog/what-if-im-stressed-about-debt

There's help available if you're feeling weighed down by your money worries.

2021-03-19T00:00:00Z tag:monzo.com,2021-03-19:/blog/personal-details-are-compromised

Having your personal details accessed as part of an online data breach can be scary. Here's what you can do to keep yourself safe.

2021-03-18T00:00:00Z tag:monzo.com,2021-03-18:/blog/make-your-side-hustle-your-main-hustle

Thinking of turning your side hustle into your main job? Here are some things to think about when it comes to taking your passion project full-time.

2021-03-17T00:00:00Z tag:monzo.com,2021-03-17:/blog/celebrating-one-year-of-monzo-business

We launched Monzo Business a year ago today! Here's how it's gone so far, and what's coming next 🚀

2021-03-15T00:00:00Z tag:monzo.com,2021-03-15:/blog/monzo-business-deborah

We chatted to Deborah Igunma, founder of Peek, about how Monzo Business is helping her succeed!

2021-03-11T00:00:00Z tag:monzo.com,2021-03-11:/blog/2021/03/11/how-to-prepare-your-business-for-the-new-tax-year

We're approaching the start of another tax year. And while that's unlikely to get your heart racing (unless you're an accountant), the run up to April 5th is still a great time to get your business affairs in order.

2021-03-05T00:00:00Z tag:monzo.com,2021-03-05:/blog/engineering-management-at-monzo-technical-leadership-people-support

We've evolved our approach from supporting and developing individual engineers, to providing both excellent people support and technical leadership for teams and business areas.

2021-03-04T00:00:00Z tag:monzo.com,2021-03-04:/blog/2021/03/05/march-2021-budget-small-businesses

How will the 2021 Budget affect your business and its prospects for the year ahead? With a few new policies outlined, we thought we'd walk you through some of the key measures the Government is introducing for small businesses.

2021-02-18T00:00:00Z tag:monzo.com,2021-02-18:/blog/weve-teamed-up-with-truelayer-team-up-to-protect-vulnerable-customers

We've teamed up with TrueLayer to offer the same protections for customers using new payment methods to gamble.

2021-02-16T00:00:00Z tag:monzo.com,2021-02-16:/blog/support-gambling-self-exclusion

Everyone should be able to access a gambling block - no matter who you bank with.

2021-02-10T00:00:00Z tag:monzo.com,2021-02-10:/blog/2021/01/03/origins-of-money-superstitions

Ever wondered why brides put a silver coin in their shoe or why we throw money into a fountain? Don't worry, we've got you covered!

2021-02-08T00:00:00Z tag:monzo.com,2021-02-08:/blog/2021/02/09/borrowing-data-at-monzo

We're hiring for the borrowing data team!

2021-02-05T00:00:00Z tag:monzo.com,2021-02-05:/blog/automated-billing-updater/

Update your card details with the online services you use, automatically when you replace your card.

2021-01-21T00:00:00Z tag:monzo.com,2021-01-21:/blog/2021/01/21/financial-education-spending-and-budgeting

A new series lifting the lid on life's most misunderstood money matters.

2021-01-13T00:00:00Z tag:monzo.com,2021-01-13:/blog/2021/01/13/self-employed-tips-for-self-assessment

Tax doesn't need to be taxing. Our friends at Xero have shared their top tips for making Self Assessment a breeze!

2021-01-05T00:00:00Z tag:monzo.com,2021-01-05:/blog/2021/01/05/self-employed-tax-basics

When you're self-employed, getting on top of your taxes is really important, and they can be pretty stressful if you leave them to the last minute. So the team at TaxScouts have come up with a few tips to help you stay on top of it!

2020-12-18T00:00:00Z tag:monzo.com,2020-12-18:/blog/an-update-on-the-women-in-finance-charter-2020

With women now making up over 40% of our executive team, we've achieved one of our targets.

2020-12-15T00:00:00Z tag:monzo.com,2020-12-15:/blog/2020/12/15/how-accounting-can-help-your-business-grow

A lot of businesses think of accounting as something they have to do, rather than something they want to do. But done right, accounting can help your business grow - here's how.

2020-12-14T00:00:00Z tag:monzo.com,2020-12-14:/blog/1p-savings-challenge-2021

Start on the 1st of January by saving just 1p.

2020-12-14T00:00:00Z tag:monzo.com,2020-12-14:/blog/52-week-savings-challenge-2021

It starts by saving £1 on the 1st of January.

2020-12-08T00:00:00Z tag:monzo.com,2020-12-08:/blog/2020/12/08/christmas-shopping-scams-what-to-look-out-for

It's the most wonderful time of the year, but it's also a time to be extra mindful of potential online scams.

2020-12-04T00:00:00Z tag:monzo.com,2020-12-04:/blog/2020/12/03/how-to-cope-with-being-self-employed-or-working-in-the-gig-economy-during

During the Covid-19 crisis many people have been struggling with self-employment and gig economy work. However, whether you need budgeting support or help with a debt problem, there is support available.

2020-12-04T00:00:00Z tag:monzo.com,2020-12-04:/blog/2020/12/04/accounting-basics-for-every-small-business

Healthy accounting and bookkeeping habits will help things run smoothly. You'll be able to see how finances are going - and make tax season much less of a stress. The team at Xero accounting software explain what you need to keep an eye on, and why.

2020-11-25T00:00:00Z tag:monzo.com,2020-11-25:/blog/2020/11/25/how-to-cope-with-reduced-work-hours-according-to-the-experts

If your hours have been reduced or you're worried they might be, it's a good idea to make a plan and think about how you'll cope financially. We've asked StepChange for their top tips on how to cope with reduced work hours.

2020-11-25T00:00:00Z tag:monzo.com,2020-11-25:/blog/2020/11/25/new-to-monzo-business-weve-made-invoices-better

We got feedback about how we could make invoices more helpful when managing your business finances with Monzo Business Pro - so we set about making it happen. Today, we're letting you know about the first set of improvements we've made to invoices!

2020-11-24T00:00:00Z tag:monzo.com,2020-11-24:/blog/2020/11/24/big-guide-to-borrowing-and-debt

A new series lifting the lid on life's most misunderstood money matters.

2020-11-11T00:00:00Z tag:monzo.com,2020-11-11:/blog/10-things-they-didnt-teach-you-about-money-in-school

Adult life can be hard and it isn't made any easier when you're not taught much about money in school! Don't worry, here's 10 things to get you started 💪

2020-11-11T00:00:00Z tag:monzo.com,2020-11-11:/blog/2020/11/11/customer-support-design

Designing an empathetic help experience at scale is a big challenge. Here are the methods and tools we use to set ourselves up for success.

2020-11-11T00:00:00Z tag:monzo.com,2020-11-11:/blog/2020/11/11/paypal-text-scams

Everything you need to know about PayPal text scams - what they are, how they work, and how you can avoid them.

2020-11-06T00:00:00Z tag:monzo.com,2020-11-06:/blog/2020/11/05/lessons-learnt-scaling-research

Samantha Davies, our Senior User Research Manager, shares some of the key lessons she's learnt in over three years in the constantly changing environment here at Monzo.

2020-10-30T00:00:00Z tag:monzo.com,2020-10-30:/blog/2020/10/30/money-management-in-the-black-community

In our final post this Black History Month, we're taking a look at ways Black communities have managed money in the US and the UK.

2020-10-27T00:00:00Z tag:monzo.com,2020-10-27:/blog/2020/10/27/maggie-lena-walker

This Black History Month we're focussing on the lesser-told stories of prominent Black figures in the history of finance. This post focuses on Maggie Lena Walker.

2020-10-22T00:00:00Z tag:monzo.com,2020-10-22:/blog/2020/10/22/accounting-for-startups

So you've started a business? Nice, now you get to do accounting. Lucky you! Here's what you need to think about in your first few weeks.

2020-10-20T00:00:00Z tag:monzo.com,2020-10-20:/blog/2020/10/20/comparing-monzo-premium-and-monzo-plus

We've clearly laid out what you get with our Monzo Premium and Monzo Plus accounts, so you can decide for yourself which one's right for you.

2020-10-20T00:00:00Z tag:monzo.com,2020-10-20:/blog/2020/10/20/how-we-value-monzo-premium

We asked independent market research group Consumer Intelligence to see what it would cost if you bought some of the benefits included in Monzo Premium separately.

2020-10-19T00:00:00Z tag:monzo.com,2020-10-19:/blog/2020/10/19/autoscaling-monzo

How we've automated the process of scaling up our platform for our ever-growing userbase.

2020-10-19T00:00:00Z tag:monzo.com,2020-10-19:/blog/2020/10/19/interview-jaz-broughton

As part of our Black History Month celebrations, we invited career coach Jaz Broughton to share her thoughts on race equality and performative allyship in the workplace.

2020-10-16T00:00:00Z tag:monzo.com,2020-10-16:/blog/2020/10/15/flux-hm

You can now view your receipts from H&M directly in your Monzo app. And they even work for returns!

2020-10-16T00:00:00Z tag:monzo.com,2020-10-16:/blog/introducing-monzo-premium

We're launching Monzo Premium - banking that makes a statement with our white metal card. Get phone and worldwide travel insurance, interest on your balance and regular Pots, and much, much more.

2020-10-13T00:00:00Z tag:monzo.com,2020-10-13:/blog/2020/10/13/innovators-in-economics

This Black History Month we're focussing on the lesser-told stories of prominent Black figures in the history of finance. This post focuses on Ismail Ahmed & Edith Cooper.

2020-10-12T00:00:00Z tag:monzo.com,2020-10-12:/blog/black-history-month-abram-lincoln-harris

This Black History Month we're focussing on telling the lesser-told stories of prominent Black figures in the history of finance. We're starting with Abram Lincoln Harris.

2020-10-01T00:00:00Z tag:monzo.com,2020-10-01:/blog/celebrating-black-history-month-2020

Our plans for celebrating Black culture and history both internally and externally this October.

2020-09-30T00:00:00Z tag:monzo.com,2020-09-30:/blog/2020/09/30/mental-health-self-employed

Working for yourself comes with its own unique challenges - here are five ways to make sure you're looking after your mental wellbeing when self-employed 💚

2020-09-24T00:00:00Z tag:monzo.com,2020-09-24:/blog/2020/09/24/amex-in-monzo-plus

You asked and we delivered. You can now add Amex to Monzo, with Monzo Plus!

2020-09-22T00:00:00Z tag:monzo.com,2020-09-22:/blog/cost-of-a-baby/

Make sure your little bundle of joy doesn't break the bank. Use Monzo's suite of tools to help you budget for the baby effectively ✅

2020-09-22T00:00:00Z tag:monzo.com,2020-09-22:/blog/current-account-guides/how-long-should-you-keep-bank-statements/

Keeping hold of your bank statements can be useful when applying for a mortgage, a loan, or when filing your tax return. Find out how long you should keep yours ✅

2020-09-22T00:00:00Z tag:monzo.com,2020-09-22:/blog/current-account-guides/monzo-fscs-protection/

Up to £85,000 of the money in your Monzo account is protected by the government. Find out what FSCS protection is and how it can help you.

2020-09-22T00:00:00Z tag:monzo.com,2020-09-22:/blog/current-account-guides/more-than-one-bank-account/

Yes! You can have as many current accounts as you like. Find out why you won't hurt your credit score, so long as you follow this post! ✅

2020-09-22T00:00:00Z tag:monzo.com,2020-09-22:/blog/savings-account-guides/lump-sum-savings-account/

It's important to consider all the options of savings accounts when it comes to what you should do with a lump sum of money.

2020-09-18T00:00:00Z tag:monzo.com,2020-09-18:/blog/savings-account-guides/how-to-save-money-for-a-house/

When you're looking to buy a house, the first thing you need to think about is saving up for a house deposit. 🏠

2020-09-17T00:00:00Z tag:monzo.com,2020-09-17:/blog/2020/09/17/fifty-thousand-monzo-business-customers

Earlier this year, we launched our Monzo Business accounts to the public. And almost exactly 6 months on, we've reached 50,000 business customers 🎉

2020-09-16T00:00:00Z tag:monzo.com,2020-09-16:/blog/current-account-guides/how-long-does-a-transfer-take/

Bank transfers are usually fast and easy, however there are a few instances when they can take longer to go through. 

2020-09-15T00:00:00Z tag:monzo.com,2020-09-15:/blog/current-account-guides/when-did-i-open-my-account/

At some point your bank might ask when you opened your bank account. Here's how to find out!

2020-09-14T00:00:00Z tag:monzo.com,2020-09-14:/blog/business-banking/do-i-need-a-business-bank-account/

We've outlined when you might set one up, what you'll need, and some of the benefits of a business bank account (like accounting and separating your finances).

2020-08-21T00:00:00Z tag:monzo.com,2020-08-21:/blog/business-basics-social-media

The Monzo marketing team share how to get started with using social media to promote your business.

2020-07-16T00:00:00Z tag:monzo.com,2020-07-16:/blog/8-ways-monzo-plus-can-power-up-your-budgeting-and-supercharge-your-savings

The bank account from Monzo that helps you get a grip on your finances and make your money work harder.

2020-07-16T00:00:00Z tag:monzo.com,2020-07-16:/blog/everything-you-need-to-know-about-monzos-holographic-debit-card

Our blue holographic card is exclusive to Monzo Plus, and it's our boldest card yet. Here's everything you need to know about it.

2020-07-16T00:00:00Z tag:monzo.com,2020-07-16:/blog/how-to-check-if-a-websites-safe-before-you-shop-online

Some things to look out for when you're shopping online.

2020-07-16T00:00:00Z tag:monzo.com,2020-07-16:/blog/looking-for-a-budgeting-app-supercharge-your-savings-and-budget-better-with

Monzo Plus could help you budget better, with powerful budgeting tools that give you visibility over your money.

2020-07-15T00:00:00Z tag:monzo.com,2020-07-15:/blog/introducing-monzo-plus

We're launching Monzo Plus to help you get full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.

2020-07-12T00:00:00Z tag:monzo.com,2020-07-12:/blog/we-sent-our-house-deposit-to-a-fraudster-who-posed-as-our-lawyer

55-year-old Richard from Essex was preparing to buy a home with his partner, when a scammer tricked the couple out of the thousands they'd saved up for their house deposit with a very convincing scam.

2020-07-06T00:00:00Z tag:monzo.com,2020-07-06:/blog/2020/07/06/easy-bank-transfers

We're making it simpler to add money to your Monzo account. And it's available now in Monzo Labs!

2020-06-29T00:00:00Z tag:monzo.com,2020-06-29:/blog/what-to-do-if-you-miss-a-loan-repayment

If you have a loan with Monzo, please reach out to us in the app. Here's what we could do to help.

2020-06-26T00:00:00Z tag:monzo.com,2020-06-26:/blog/2020/06/27/pride-remembering-our-history-and-looking-towards-the-fight-ahead

This Pride month, we reflect on the importance of remembering the importance of Pride, and the people who fought for our rights. We also take this moment to look at what's left to do.

2020-06-22T00:00:00Z tag:monzo.com,2020-06-22:/blog/2020/06/23/money-mules

Fraudsters launder their money by getting everyday people get involved in crime. Often, people don't even realise they're breaking the law, or understand the devastating consequences of getting involved.

2020-06-01T00:00:00Z tag:monzo.com,2020-06-01:/blog/2020/06/01/new-business-categories

We've introduced brand new spending and income categories especially for business, to make it even easier to manage your money.

2020-05-27T00:00:00Z tag:monzo.com,2020-05-27:/blog/2020/05/puppy-and-kitten-deposit-scams-are-on-the-rise

It might sound too mean to be true. But fraudsters are tricking people into paying deposits for cute kittens and puppies, that don't actually exist! 

2020-05-27T00:00:00Z tag:monzo.com,2020-05-27:/blog/business-banking/what-is-cashflow

We've outlined why cash flow might be important to you, what types of cash flow exist and how to manage your cash flow as a small business.

2020-05-20T00:00:00Z tag:monzo.com,2020-05-20:/blog/budget-for-your-small-business

Coronavirus might mean that your business is facing some uncertain and worrying times, and so now can be a good time to start looking into managing your cash flow and tracking your finances closely.

2020-05-19T00:00:00Z tag:monzo.com,2020-05-19:/blog/2020/05/19/monzo-business-for-web-upgrade

We've upgraded Monzo Business for Web, to make it even easier to manage your money on your desktop.

2020-05-19T00:00:00Z tag:monzo.com,2020-05-19:/blog/o2-text-scam

Over March and April, we saw a big increase in people searching for O2 scam texts, as messages from scammers claiming to be from O2 are becoming more common. Here's how O2 text scams work and what to look out for so you can spot one 👀

2020-05-19T00:00:00Z tag:monzo.com,2020-05-19:/blog/pride-season-2020

This Sunday was International Day Against Homophobia, Biphobia, Intersexism and Transphobia. Our Monzo Pride theme this year focuses on how everyone can belong, regardless of sexuality or gender identity.

2020-05-17T00:00:00Z tag:monzo.com,2020-05-17:/blog/3-practical-tips-to-reduce-daily-anxiety

How to keep anxiety at bay, while life stays a bit strange.

2020-05-17T00:00:00Z tag:monzo.com,2020-05-17:/blog/5-practical-tips-for-feeling-less-lonely-in-lockdown

How to feel less lonely, even though we might be spending a lot more time alone.

2020-05-13T00:00:00Z tag:monzo.com,2020-05-13:/blog/how-we-moved-our-faster-payments-connection-in-house

Our in-house Faster Payments gateway has been running since November 2019. This is a comprehensive insight into how we built it.

2020-05-12T00:00:00Z tag:monzo.com,2020-05-12:/blog/11-reasons-to-get-monzo-business

If you're considering Monzo for your business, this might just convince you.

2020-05-10T00:00:00Z tag:monzo.com,2020-05-10:/blog/how-weve-evolved-on-call-at-monzo

We've built a humane on-call rotation, that engineers actually want to join!

2020-05-07T00:00:00Z tag:monzo.com,2020-05-07:/blog/police-impersonation-scam-phone-call

Scam phone calls pretending to be from the police or other organisations you trust like your utilities company are becoming more common. They can often sound and look very real, so here's how to spot one of these scams.

2020-05-06T00:00:00Z tag:monzo.com,2020-05-06:/blog/managing-my-universal-credit-payments

Once you get approved for Universal Credit, it'll normally takes five weeks after the date you submitted your claim for you to get the first payment. Here's how you can manage your Universal Credit payments.

2020-05-06T00:00:00Z tag:monzo.com,2020-05-06:/blog/you-can-now-hide-your-pots-and-change-the-order-theyre-in

See what's important to you first, and hide Pots you don't want to see every day.

2020-05-04T00:00:00Z tag:monzo.com,2020-05-04:/blog/how-to-recognise-financial-abuse-and-get-support

Financial abuse is when someone else controls your access to money by coercing, exploiting or sabotaging you.

2020-05-01T00:00:00Z tag:monzo.com,2020-05-01:/blog/how-to-get-support-if-youre-a-refugee-or-asylum-seeker-during-coronavirus

The Scottish Refugee Council explain how lockdown might affect your asylum claim, how to protect yourself if you're living in asylum accommodation, and how you can access government updates in your language.

2020-05-01T00:00:00Z tag:monzo.com,2020-05-01:/blog/how-to-live-on-20-less-money-furlough

If you've lost your job, had a pay cut or gone on furlough because of coronavirus, you might need to make your money stretch further. We'll walk you through how to make a simple budget.

2020-04-30T00:00:00Z tag:monzo.com,2020-04-30:/blog/2020/05/04/confirmation-of-payee-launch

Confirmation of Payee is a service to make bank transfers safer. It checks that the account holder name and details you typed in match those on the account you're trying to pay.

2020-04-29T00:00:00Z tag:monzo.com,2020-04-29:/blog/pivot-your-business-online

Moving your business online during the coronavirus outbreak can be a good way to keep trading during the lockdown.

2020-04-28T00:00:00Z tag:monzo.com,2020-04-28:/blog/behind-the-scenes-of-a-phishing-scam

See how fraudsters run phishing scams, so you can learn to spot their tricks.

2020-04-27T00:00:00Z tag:monzo.com,2020-04-27:/blog/how-monzos-gambling-block-and-self-exclusion-helped-me-beat-gambling-addiction-and-pay-off-debt

Chris is a 38 year-old father of two from Essex who's in recovery after beating his gambling addiction.

2020-04-24T00:00:00Z tag:monzo.com,2020-04-24:/blog/hmrc-scam

Fraudsters are sending emails and texts pretending to be from the government. These scam messages can look and sound very convincing, so here's how to spot an HMRC tax scam.

2020-04-23T00:00:00Z tag:monzo.com,2020-04-23:/blog/how-to-spot-a-bank-scam

We've outlined what these bank scams usually look like, how authorised push payment fraud works and how to protect yourself from fraud.

2020-04-21T00:00:00Z tag:monzo.com,2020-04-21:/blog/2019/04/02/pyramid-schemes-fractal-mandala

More people are falling victim to pyramid schemes on social media. Here's how you can protect yourself against this increasingly common kind of fraud.

2020-04-21T00:00:00Z tag:monzo.com,2020-04-21:/blog/government-support-start-ups-coronavirus

We've summarised and explained what's available to early-stage companies, to help you understand the best options for your business.

2020-04-15T00:00:00Z tag:monzo.com,2020-04-15:/blog/manage-your-business-finances-during-coronavirus

We've outlined a few ways you can try keep your business finances secure during this time.

2020-04-14T00:00:00Z tag:monzo.com,2020-04-14:/blog/our-2020-diversity-and-inclusion-report

We've seen the best improvements in our gender diversity, where we've increased our representation of women in Monzo by 13.75%. But we need to do more for ethnicity representation as it's only increased by 4.02%.

2020-04-09T00:00:00Z tag:monzo.com,2020-04-09:/blog/mental-health-coronavirus

The way coronavirus is affecting our lives can be hard on our mental health. So we asked therapists to answer some of your most common worries about social distancing, self-isolation and coronavirus.

2020-04-09T00:00:00Z tag:monzo.com,2020-04-09:/blog/what-to-do-if-youre-worried-about-paying-rent-or-losing-your-home-because-of-coronavirus

If you're worried about paying rent or facing homelessness because of coronavirus, we asked homeless charity Centrepoint to explain what you can do.

2020-04-09T00:00:00Z tag:monzo.com,2020-04-09:/blog/your-questions-about-universal-credit-and-government-support-answered-by

Lost your job or income because of coronavirus? We asked poverty charity Turn2Us to answer your questions about Universal Credit and how to get support if you're struggling with money.

2020-04-08T00:00:00Z tag:monzo.com,2020-04-08:/blog/2019/09/18/tax-free-savings-allowance

Your tax free savings allowance, also known as a Personal Savings Allowance, is a way for most people to earn interest from savings without paying tax!

2020-04-07T00:00:00Z tag:monzo.com,2020-04-07:/blog/how-to-shop-online-safely-with-monzo

If you're shopping online more during the lockdown, you could be more at risk of falling victim to fraud.

2020-04-05T00:00:00Z tag:monzo.com,2020-04-05:/blog/controlling-outbound-traffic-from-kubernetes

We recently finished a major networking project which let us control internal traffic in our platform. And we've been thinking about how we can add similar security to network traffic leaving our platform.

2020-04-01T00:00:00Z tag:monzo.com,2020-04-01:/blog/2020/04/01/monzo-business-for-web-is-here

Businesses can now access their account from their computer or laptop.

2020-04-01T00:00:00Z tag:monzo.com,2020-04-01:/blog/2020/04/03/tips-for-being-extra-safe-on-monzo-business-for-web

For the times you prefer a bigger screen, here are a few tips to make sure your account stays secure.

2020-03-31T00:00:00Z tag:monzo.com,2020-03-31:/blog/save-at-home

If you're fortunate enough that your income hasn't changed and you've found yourself spending less money while social distancing, why not try to Save at Home?

2020-03-30T00:00:00Z tag:monzo.com,2020-03-30:/blog/access-universal-credit

Universal Credit is a single monthly payment from the government. It's meant to cover your living costs and rent if you're out of work or on a low income.

2020-03-30T00:00:00Z tag:monzo.com,2020-03-30:/blog/buy-now-pay-later-schemes

Buy now, pay later (BNPL) schemes are everywhere. And now it's so important to stay home, you might be shopping online more.

2020-03-27T00:00:00Z tag:monzo.com,2020-03-27:/blog/fraud-scam-text-or-email-about-coronavirus-from-the-government

Fraudsters are faking government texts, to try and trick you into revealing sensitive information or pay fake fines.

2020-03-27T00:00:00Z tag:monzo.com,2020-03-27:/blog/support-for-self-employed-coronavirus

The government's announced new initiatives to support people who are self-employed throughout the coronavirus outbreak. We've summarised the support you can get.

2020-03-26T00:00:00Z tag:monzo.com,2020-03-26:/blog/small-businesses-coronavirus

The government has announced a range of initiatives to support small businesses throughout the coronavirus pandemic. We've outlined what's available to help you understand the best options for your business.

2020-03-18T00:00:00Z tag:monzo.com,2020-03-18:/blog/corona-virus-business-help

We know that if you're the owner or the employee of a small business, this might be a particularly difficult time for you. We've outlined some of the main points that came out of the Chancellor's speech.

2020-03-17T00:00:00Z tag:monzo.com,2020-03-17:/blog/monzo-business-banking

We've spent the last 12 months learning what you need from a business bank account. Today we're launching two business accounts, so you can pick the one that works best around your business.

2020-03-16T00:00:00Z tag:monzo.com,2020-03-16:/blog/how-to-avoid-scams-about-coronavirus

Fraudsters are taking advantage of the coronavirus outbreak. Here's some tips and guidance to identify and avoid these scams.

2020-03-16T00:00:00Z tag:monzo.com,2020-03-16:/blog/plans-cancelled-because-of-coronavirus-find-out-if-you-can-get-your-money

If your plans get disrupted or cancelled because of coronavirus, we explain if and how you might be able to get your money back, and what we can do to help.

2020-03-16T00:00:00Z tag:monzo.com,2020-03-16:/blog/were-here-to-support-you-with-your-money-and-your-monzo-account-during-the

We're here to help you as usual, and we're ready to keep doing so.

2020-03-12T00:00:00Z tag:monzo.com,2020-03-12:/blog/an-engineering-managers-guide-to-the-one-to-one

Engineering Manager Jimi shares his approach to having productive catch-ups with his team.

2020-03-11T00:00:00Z tag:monzo.com,2020-03-11:/blog/how-to-get-out-of-your-overdraft

Feel like you're living in your overdraft? If you're striving to rely on your overdraft less, try these tips and tools to cut costs and find extra money to pay it off.

2020-03-10T00:00:00Z tag:monzo.com,2020-03-10:/blog/the-extra-cost-of-being-a-woman

In 2020, it still costs more to be a woman than a man. And when it comes to personal finances, there's still a long way to go - and it's not women's fault.

2020-03-05T00:00:00Z tag:monzo.com,2020-03-05:/blog/2019/03/05/flybe-collapse

What to do if you're affected by Flybe going into administration.

2020-03-05T00:00:00Z tag:monzo.com,2020-03-05:/blog/tech-ops-hiring-monzo

Denise is a Technical Operations (TechOps) Specialist based in our Las Vegas office. We asked her some questions about what it's like to work in such a key team at Monzo!

2020-03-04T00:00:00Z tag:monzo.com,2020-03-04:/blog/business-banking/how-to-write-a-business-plan

You've had an idea in the back of your mind for years and now you're finally taking the big step to start a business. We've outlined what to include in a business plan, how to write it and other steps to take.

2020-02-25T00:00:00Z tag:monzo.com,2020-02-25:/blog/credit-scores/what-is-a-good-credit-score/

There is no universal 'good' or high credit score in the UK! We've explained what a credit score actually is, how to improve it and all the many myths you've probably heard about credit scores...

2020-02-19T00:00:00Z tag:monzo.com,2020-02-19:/blog/rainy-day-fund-save-money-automatically-every-time-it-rains

Take advantage of the terrible weather and boost your savings every time it rains.

2020-02-18T00:00:00Z tag:monzo.com,2020-02-18:/blog/business-banking/fundraising-for-your-business/

Raising money to start up your business can be an important part of getting it off the ground. It might feel daunting at first, but we've outlined a few different ways you can try get funding for your business.

2020-02-14T00:00:00Z tag:monzo.com,2020-02-14:/blog/business-banking/how-to-start-a-business-in-the-uk

Setting up your own business is the start of a new and exciting adventure! That can be great, but it can also be quite daunting. So we've set out a few things that might be helpful to think about if you're starting out on your own. 💪

2020-02-10T00:00:00Z tag:monzo.com,2020-02-10:/blog/i-quit-smoking

David shares his story about how he's used Monzo to help quit smoking, and saved almost £500 at the same time!

2020-02-07T00:00:00Z tag:monzo.com,2020-02-07:/blog/how-monzos-gambling-block-helped-me-beat-my-gambling-addiction-and-pay-off-my-debt

After a decade trapped in a cycle of gambling and debt, Danny owed payday lenders almost £26,000. With the help of Monzo's gambling block feature, Danny is now finally debt-free.

2020-01-29T00:00:00Z tag:monzo.com,2020-01-29:/blog/how-we-upgraded-3d-secure

We've upgraded to the new version of 3D Secure. Backend engineer Arthur explains how we did it.

2020-01-23T00:00:00Z tag:monzo.com,2020-01-23:/blog/take-on-the-spare-change-saving-challenge

Round-up your spending to the nearest pound and put the spare change in a Pot. It adds up quicker than you think!

2020-01-22T00:00:00Z tag:monzo.com,2020-01-22:/blog/2019/10/08/get-out-of-debt

Debt is something that is rarely discussed, but ignoring it can have an expensive impact on finances. Here's a brief guide on how to get out of debt.

2020-01-17T00:00:00Z tag:monzo.com,2020-01-17:/blog/best-reactions-to-year-in-monzo

We've collected the best reactions that show just how much you loved your Year in Monzo.

2020-01-16T00:00:00Z tag:monzo.com,2020-01-16:/blog/2020/01/17/weve-started-reporting-to-experian

We're now reporting to two of the three big credit reference agencies - TransUnion and Experian. This means you'll appear on more credit reports.

2020-01-16T00:00:00Z tag:monzo.com,2020-01-16:/blog/saving-tips-from-year-in-monzo

Go out and buy yourself a cookbook immediately.

2020-01-15T00:00:00Z tag:monzo.com,2020-01-15:/blog/year-in-monzo-reactions

Number 1: The North-South divide is wider than ever

2020-01-15T00:00:00Z tag:monzo.com,2020-01-15:/blog/year-in-monzo-tweets

As if things weren't bad enough already

2020-01-14T00:00:00Z tag:monzo.com,2020-01-14:/blog/2019/11/12/what-are-unsecured-loans

When you get an unsecured loan, you borrow money from a bank or a lender and you agree to make regular payments until the loan has been paid in full. 💰

2020-01-09T00:00:00Z tag:monzo.com,2020-01-09:/blog/research-findings-at-monzo

There are some specific biases that come into play when we see or hear new information. We came up with a trick at Monzo to get around them...

2020-01-08T00:00:00Z tag:monzo.com,2020-01-08:/blog/2020-01-01/switch-to-monzo-without-closing-your-old-account

A lot of you have told us you want to switch everything across and make Monzo your main bank account, but you want to keep your old bank account open. Here's how to do just that!

2020-01-08T00:00:00Z tag:monzo.com,2020-01-08:/blog/how-to-get-a-loan-with-bad-credit

Find out what a 'bad' credit score means and how you could try to improve it if you have one!

2020-01-01T00:00:00Z tag:monzo.com,2020-01-01:/blog/1p-savings-challenge-2020

Start on the 1st of January by saving just 1p.

2020-01-01T00:00:00Z tag:monzo.com,2020-01-01:/blog/2019/04/10/1p-savings-challenge-monzo

It starts by saving just 1p, and you can do it automatically with Monzo.

2019-12-17T00:00:00Z tag:monzo.com,2019-12-17:/blog/2019/12/11/how-do-loans-work

There are a few different types of loans, such as unsecured loans and secured loans, with several different uses. Here's how they work...💰

2019-12-17T00:00:00Z tag:monzo.com,2019-12-17:/blog/migrating-vaults-storage-with-no-downtime

We use Vault for secret management and credential issuance, and we've always configured it with the Cassandra storage backend. To help us scale, we moved to the S3 backend. But it was crucial we kept Vault available.

2019-12-17T00:00:00Z tag:monzo.com,2019-12-17:/blog/we-secured-thousands-of-cassandra-clients-to-keep-monzos-data-safe

Our security team at Monzo are working towards a 'zero trust' cluster, where an attacker inside our cluster would have no power.

2019-12-16T00:00:00Z tag:monzo.com,2019-12-16:/blog/bringing-our-faster-payments-connection-in-house

It's been running smoothly, handling every single Faster Payment that you've been sending in and out of Monzo!

2019-12-16T00:00:00Z tag:monzo.com,2019-12-16:/blog/scams-to-watch-out-for-when-youre-shopping-online-this-christmas

Fradusters are busier than ever over the festive season, so it's especially important to protect your money and keep your eyes open for scams.

2019-12-12T00:00:00Z tag:monzo.com,2019-12-12:/blog/2019/12/09/our-overdrafts-are-changing

Our overdrafts are changing. We've changed our prices from 50p a day to an interest rate, and we're offering higher limits to some people.

2019-12-12T00:00:00Z tag:monzo.com,2019-12-12:/blog/coordinators-on-android-building-flows-quickly-with-reusable-screens

When we first built Monzo on Android, we couldn't 'reuse' screens. We'd build them from scratch every time! To help us work faster, we've used a new architectural pattern called 'the Coordinator Pattern' in our codebase.

2019-12-11T00:00:00Z tag:monzo.com,2019-12-11:/blog/2019/12/11/monzo-main-bank-account

We surveyed 4,000 people who've gone #FullMonzo. Here's what they said.

2019-12-11T00:00:00Z tag:monzo.com,2019-12-11:/blog/tax-money-2019-general-election

Want to know what each party's manifesto really means for your money? You need to understand these financial concepts first.

2019-12-10T00:00:00Z tag:monzo.com,2019-12-10:/blog/2019/01/28/cashback

Can you really get paid for spending money? Find out how cashback works with Monzo and other cashback sites, how to earn it and what to look out for.

2019-12-06T00:00:00Z tag:monzo.com,2019-12-06:/blog/52-week-savings-challenge

It starts by saving £1 on the 1st of January.

2019-12-06T00:00:00Z tag:monzo.com,2019-12-06:/blog/reverse-1p-savings-challenge-monzo

Save £671.61 in 2020 with the Reverse 1p Saving Challenge!

2019-12-06T00:00:00Z tag:monzo.com,2019-12-06:/blog/spenders-guide-to-saving-money

Always overspending? Here's how Monzo can help you save money.

2019-12-05T00:00:00Z tag:monzo.com,2019-12-05:/blog/2019/12/05/secured-loan

A secured loan gets secured against one of your assets; typically your home or your car. We've put together some information to help you decide whether it's right for you! 💸

2019-12-05T00:00:00Z tag:monzo.com,2019-12-05:/blog/2019/12/05/what-you-need-to-know-about-going-full-monzo

Still using Monzo as just a spending card? You're missing out. Here's why!

2019-12-05T00:00:00Z tag:monzo.com,2019-12-05:/blog/loans-help/car-finance-option/

We've put together a short guide on the different car finance options and deals you might consider when buying a new car. 🚗

2019-12-04T00:00:00Z tag:monzo.com,2019-12-04:/blog/2019/12/03/understanding-universal-credit

We've put together a guide on Universal Credit. It'll cover: How to apply for Universal Credit, managing your Universal Credit Payments and why your payments might have stopped.

2019-12-02T00:00:00Z tag:monzo.com,2019-12-02:/blog/loans-help/pay-off-credit-card/

Paying off a credit card can seem daunting. Here are some top tips on how to pay off your credit card 💳

2019-11-29T00:00:00Z tag:monzo.com,2019-11-29:/blog/envelope-method-budgeting

Money-saving gurus like Martin Lewis and Dave Ramsey love this powerful budgeting method. And it's gained a cult-like following because it's simple to use and helps you see your money clearly.

2019-11-28T00:00:00Z tag:monzo.com,2019-11-28:/blog/2019/02/21/piggy-bank-saving

Also known as the envelope method, piggy banking can help you control spending by dividing up your money and keeping it in different places.

2019-11-28T00:00:00Z tag:monzo.com,2019-11-28:/blog/2019/04/17/how-to-get-a-mortgage

Planning on buying a house? Learn how to find and apply for a mortgage - and boost your chances of getting accepted.

2019-11-27T00:00:00Z tag:monzo.com,2019-11-27:/blog/2019/08/07/what-is-a-regular-savings-account

With a regular savings account you commit to paying a set amount every month whilst getting a higher interest rate than you'd get with a current account.

2019-11-25T00:00:00Z tag:monzo.com,2019-11-25:/blog/2019/04/17/shoud-i-get-a-credit-card

Credit cards can be useful for borrowing small amounts for a short time. But do you really need one?

2019-11-25T00:00:00Z tag:monzo.com,2019-11-25:/blog/how-to-open-a-monzo-account

Signing up for a Monzo bank account takes minutes, and you can do it all from your phone.

2019-11-20T00:00:00Z tag:monzo.com,2019-11-20:/blog/2018/08/08/p60-p45-p11d-paye-forms

Working? You may receive a P60, P45 or P11D from your employer. Find out why you need these forms and how to get them.

2019-11-20T00:00:00Z tag:monzo.com,2019-11-20:/blog/2019/06/12/make-monzo-my-main-account

98% of people who use Monzo as their main account would recommend it.

2019-11-19T00:00:00Z tag:monzo.com,2019-11-19:/blog/2018/06/05/monzo-exchange-rate

When you make payments abroad using Monzo, we pass on the Mastercard exchange rate directly to you, without any markups.

2019-11-19T00:00:00Z tag:monzo.com,2019-11-19:/blog/why-having-more-than-one-bank-account-might-be-useful

It's a common misconception that you can only have one bank account. And having another bank account can help you budget or find a bank that works for you.

2019-11-18T00:00:00Z tag:monzo.com,2019-11-18:/blog/2018/09/07/open-a-uk-bank-account

Here's how to open a bank account in the United Kingdom. Opening a bank account with Monzo takes minutes!

2019-11-18T00:00:00Z tag:monzo.com,2019-11-18:/blog/2019/05/17/how-to-save-money

Financial self-education 💪

2019-11-15T00:00:00Z tag:monzo.com,2019-11-15:/blog/2019/11/15/how-do-i-get-out-of-my-overdraft

Finding yourself in overdraft is completely normal and managing money isn't easy. We've put together a few tips on how to get out of your overdraft...

2019-11-15T00:00:00Z tag:monzo.com,2019-11-15:/blog/2019/11/15/saving-for-your-grandchildren

There are a few ways you start saving money for your grandchildren, from opening a savings account to premium bonds. We've listed some tips here 💰

2019-11-14T00:00:00Z tag:monzo.com,2019-11-14:/blog/2019/11/14/how-much-money-should-i-save

In an ideal world you'd try to save as much as you can afford each month. But we know that starting to save money can be tough, especially if you're saving for the first time. 

2019-11-14T00:00:00Z tag:monzo.com,2019-11-14:/blog/2019/11/15/how-to-save-money-on-car-insurance

We've put together a few tips on how you can save money on car insurance!

2019-11-14T00:00:00Z tag:monzo.com,2019-11-14:/blog/8-things-we-learnt-at-the-futureofmonzo

The #FutureOfMonzo was our biggest community event ever! Check out some of the key takeaways.

2019-11-13T00:00:00Z tag:monzo.com,2019-11-13:/blog/2019/11/13/save-money-when-you-tweet-using-monzo

Put your tweeting to good use with this handy saving tip!

2019-11-13T00:00:00Z tag:monzo.com,2019-11-13:/blog/protect-yourself-from-fraud-never-share-your-pin

Fraudsters can trick you into sharing your PIN, get access to your bank account and steal your money. Learn how to protect yourself from phishing scams.

2019-11-11T00:00:00Z tag:monzo.com,2019-11-11:/blog/10-magical-monzo-features

All the Monzo features that'll turn you into a money management mage ✨

2019-11-11T00:00:00Z tag:monzo.com,2019-11-11:/blog/2018/09/11/student-budgeting-tips

Stay in control of your spending with our budgeting guide for students. We've explained how to calculate a budget, set spending allowances and stick to them. Plus, we have some handy tips for saving and earning money at uni.

2019-11-11T00:00:00Z tag:monzo.com,2019-11-11:/blog/2019/11/11/10-monzo-features-your-old-bank-doesnt-have-yet

We added instant notifications back in 2015. And since then some of the big banks have followed our lead! But there are still quite a few Monzo features that your old bank doesn't have.

2019-11-11T00:00:00Z tag:monzo.com,2019-11-11:/blog/dear-monzo-wheres-the-best-place-to-put-my-savings

Laura replies to one reader who wants to find the smartest place to put their savings.

2019-11-11T00:00:00Z tag:monzo.com,2019-11-11:/blog/women-in-finance-charter-update

By 2020, we've pledged to have women make up at least 40% of both our executive committee and our board. Here's our yearly update on the progress we've made so far.

2019-11-07T00:00:00Z tag:monzo.com,2019-11-07:/blog/2019/11/07-save-money-for-your-kids

There are different options that vary from opening a children's savings account to setting up a pension. So it's important to find something that's right for you and your children.

2019-11-06T00:00:00Z tag:monzo.com,2019-11-06:/blog/we-built-network-isolation-for-1-500-services

We've been working on isolating the 1,500 services that power Monzo. The sheer size and complexity of our platform made this difficult. But by protecting us against compromised services, it makes Monzo more secure.

2019-11-04T00:00:00Z tag:monzo.com,2019-11-04:/blog/2019/07/10/no-spend-challenge

The goal of the challenge is to rein in how much money you are spending on things you don't really need in November.

2019-11-04T00:00:00Z tag:monzo.com,2019-11-04:/blog/2019/11/04/how-we-scaled-our-data-team-from-1-to-30-people-part-1

Dimitri our VP of Data explains how data works at Monzo, and shares the high level principles we've used to scale the team.

2019-10-31T00:00:00Z tag:monzo.com,2019-10-31:/blog/2019/10/31/how-to-save-money-as-a-teenager

Whether you're looking to get a new phone, save money for a holiday with your friends, or even buy your first car, saving money as a teenager is hard.

2019-10-31T00:00:00Z tag:monzo.com,2019-10-31:/blog/2019/10/31/statement-of-fees-to-your-account

Your statement of fees is a document we've introduced as part of new regulations in the UK.

2019-10-31T00:00:00Z tag:monzo.com,2019-10-31:/blog/29-ways-save-money-household-bills/

With the cost of household bills continuing to rise there's never been a better time to make sure you're paying the right amount. We've put together a few ways you could be saving money on bills.

2019-10-29T00:00:00Z tag:monzo.com,2019-10-29:/blog/2019/10/29/winter-savings-challenge

Winter is here and we've created a Winter Savings Challenge for you to take on!

2019-10-28T00:00:00Z tag:monzo.com,2019-10-28:/blog/2019/10/28/more-people-are-switching-to-monzo-and-away-from-legacy-banks

14,563 people switched to Monzo through the Current Account Switch Service in the last three months as more people leave their existing bank for new ones.

2019-10-24T00:00:00Z tag:monzo.com,2019-10-24:/blog/2019/10/24/15-features-thatll-turn-monzo-sceptics-into-monzo-obsessives

A rundown of features that'll make you fall in love with Monzo.

2019-10-24T00:00:00Z tag:monzo.com,2019-10-24:/blog/2019/10/24/9-monzo-features-and-why-you-need-them

The definitive list of game-changing Monzo features.

2019-10-24T00:00:00Z tag:monzo.com,2019-10-24:/blog/2019/10/24/how-to-save-money-on-your-wedding

Your big day can come with a big price tag - the average UK couple spent £31.9k on a wedding in 2019! But planning ahead can help you save up and cut costs.

2019-10-24T00:00:00Z tag:monzo.com,2019-10-24:/blog/2019/10/24/whats-next-for-the-new-look-monzo-app

We recently released Monzo 3.0 and gave Monzo a makeover! You've shared lots of useful feedback, which we'll be using to make some improvements.

2019-10-23T00:00:00Z tag:monzo.com,2019-10-23:/blog/2019/10/23/9-questions-to-ask-yourself-before-you-borrow-money

Can you afford it? And will you be better off in the long run? If you're thinking about borrowing money, ask yourself these 9 questions first.

2019-10-22T00:00:00Z tag:monzo.com,2019-10-22:/blog/2019/10/22/how-to-save-money-in-london

London is one of the most expensive cities to live in in the world - but there are plenty of bargains if you know where to look. 

2019-10-21T00:00:00Z tag:monzo.com,2019-10-21:/blog/2019/06/28/pay-yourself-first-how-to-save-money

It means paying a portion of your salary into savings, before you spend money on anything else.

2019-10-16T00:00:00Z tag:monzo.com,2019-10-16:/blog/10-times-you-hated-monzo

Sorry not sorry.

2019-10-15T00:00:00Z tag:monzo.com,2019-10-15:/blog/2019/10/15/savings-plan

We've outlined a few different kinds of savings plans so you can find one that might suit you and your savings goals! 💰

2019-10-11T00:00:00Z tag:monzo.com,2019-10-11:/blog/2019/10/11/10-things-to-say-to-your-friend-who-still-refuses-to-get-monzo

Before you cut them out of your life forever, try to reason with them.

2019-10-11T00:00:00Z tag:monzo.com,2019-10-11:/blog/2019/10/11/4-ways-monzo-makes-payday-even-better

You wouldn't think payday could get any better. But if you get paid into your Monzo account, it just might.

2019-10-11T00:00:00Z tag:monzo.com,2019-10-11:/blog/2019/10/11/how-our-security-team-handle-secrets

We recently designed a new system to manage secret information safely - from the keys that we use to sign your Mastercard transactions, to credentials for external services.

2019-10-10T00:00:00Z tag:monzo.com,2019-10-10:/blog/2018/09/26/how-to-read-your-payslip

Excited to see what you've earned? Want to make sure you're being taxed right? Learn the language of payslips with our comprehensive guide.

2019-10-10T00:00:00Z tag:monzo.com,2019-10-10:/blog/2019/02/06/50-20-30-budgeting

Pay off debt, save for the future and control your spending with a 50/20/30 budget. Here's how to create one in four steps.

2019-10-10T00:00:00Z tag:monzo.com,2019-10-10:/blog/2019/10/10/how-to-save-money-according-to-people-who-actually-manage-it

We asked the experts in the Monzo Saving Squad to share their best tips on how to save money.

2019-10-10T00:00:00Z tag:monzo.com,2019-10-10:/blog/2019/10/10/joint-account-tax

A joint bank account is a bank account that you share between one or more people. Here's some info on the tax implications of a joint account in the UK!

2019-10-09T00:00:00Z tag:monzo.com,2019-10-09:/blog/2019/10/09/how-to-save-money-on-food

Saving money and reducing costs can be tough, especially when it comes to cutting down on the essentials. And there's nothing more essential than food. 

2019-10-04T00:00:00Z tag:monzo.com,2019-10-04:/blog/2019/10/05/savings-account

A savings account is a place to keep money so that it earns interest. Here's a brief guide on how savings accounts work!

2019-10-03T00:00:00Z tag:monzo.com,2019-10-03:/blog/2019/10/03/joint-account-death

When someone dies, there are a few things you'll need to do to make sure all bank accounts and finances are sorted.

2019-10-02T00:00:00Z tag:monzo.com,2019-10-02:/blog/2019/10/02/joint-bank-account

The first thing to do would be to contact your bank, as different banks might have different ways to go about this.

2019-10-01T00:00:00Z tag:monzo.com,2019-10-01:/blog/2019/10/01/bills-pots-images

We wanted to see what you'd picked for your new Bills Pots. And we're loving what we've seen so far.

2019-10-01T00:00:00Z tag:monzo.com,2019-10-01:/blog/2019/10/14/39-times-you-absolutely-hated-monzo

Sorry not sorry.

2019-09-30T00:00:00Z tag:monzo.com,2019-09-30:/blog/2019/09/30/what-is-locktober

'LockYourPot-tober' is a challenge where you keep your money locked in a Pot until the end of the month.

2019-09-26T00:00:00Z tag:monzo.com,2019-09-26:/blog/2019/09/26/introducing-salary-sorter-and-bills-pots

As well as a space for spending and saving, Monzo now offers a bills pot to completely sort all your money. We've also launched the salary sorter, so you can sort your salary into each space as soon as it arrives in your account.

2019-09-23T00:00:00Z tag:monzo.com,2019-09-23:/blog/2019/09/23/thomas-cook-collapse

We know this is a worrying situation for a lot of people using Monzo, especially anyone currently abroad, so here's what you can do to get home safely, and get your money back.

2019-09-20T00:00:00Z tag:monzo.com,2019-09-20:/blog/2019/09/20/the-monzo-app-is-changing

We've outgrown our current app, and it's time to shake things up. So we've built a new-look app that makes it easier to see what Monzo can do for you, and leaves plenty of room for where we're going!

2019-09-10T00:00:00Z tag:monzo.com,2019-09-10:/blog/2019/09/10/reasons-not-to-get-monzo

Number 1: Hot Coral will become your entire life

2019-09-10T00:00:00Z tag:monzo.com,2019-09-10:/blog/2019/09/11/strong-customer-authentication-using-chip-and-pin

New rules for all banks, including Monzo, mean you'll need to use Chip and PIN more often when paying with your card.

2019-09-05T00:00:00Z tag:monzo.com,2019-09-05:/blog/2019/09/06/10-minimum-savings-pot

You can now open an Easy Access Savings account with a £10 minimum deposit and start earning interest (AER, variable).

2019-09-03T00:00:00Z tag:monzo.com,2019-09-03:/blog/2019/09/03/money-in-love-michael-and-dan

“We feel more comfortable when we have control over our own finances”

2019-08-30T00:00:00Z tag:monzo.com,2019-08-30:/blog/2019/08/30/what-is-no-spendtember

It's a full 30 days where your goal is to stop spending on things you don't really need.

2019-08-29T00:00:00Z tag:monzo.com,2019-08-29:/blog/2019/08/29/dear-monzo-should-i-pay-off-my-student-loan-early

Student loans are very different to most other kinds of debt. And in some cases, clearing your student loan early could actually cost you more!

2019-08-29T00:00:00Z tag:monzo.com,2019-08-29:/blog/2019/08/30/is-monzo-a-debit-card

Yes! Monzo is much more than just a spending card!

2019-08-28T00:00:00Z tag:monzo.com,2019-08-28:/blog/2019/08/28/take-a-video-selfie-to-sign-up-for-monzo

We use it to confirm that you're really you.

2019-08-27T00:00:00Z tag:monzo.com,2019-08-27:/blog/2019/08/28/how-to-open-a-monzo-account

Signing up for a Monzo bank account takes minutes, and you can do it all from your phone.

2019-08-27T00:00:00Z tag:monzo.com,2019-08-27:/blog/2019/08/28/open-a-bank-account-as-a-student-without-proof-of-address

You can open a current account with Monzo, even if you don't have proof of address.

2019-08-22T00:00:00Z tag:monzo.com,2019-08-22:/blog/2019/08/22/get-paid-early-twitter

Some of you said bills, some of you said savings. A lot of you said drinks...

2019-08-22T00:00:00Z tag:monzo.com,2019-08-22:/blog/2019/08/22/money-in-love-craig-and-nichola

“We pool our money when we get paid, pay the bills and the mortgage, then halve whatever's left”

2019-08-22T00:00:00Z tag:monzo.com,2019-08-22:/blog/2019/08/22/strong-customer-authentication

New rules for all banks, including Monzo, mean we'll start increasing security around using your account and making payments. So the way you log into the Monzo app is changing, and we'll ask you to regularly prove your identity by reauthenticating.

2019-08-21T00:00:00Z tag:monzo.com,2019-08-21:/blog/2019/08/20/monzo-now-lets-you-get-paid-a-day-early-for-free

You can now get your salary paid a day early, for free! No cost, not hassle. Just more time with your money.

2019-08-21T00:00:00Z tag:monzo.com,2019-08-21:/blog/2019/08/22/get-your-student-loan-a-day-before-your-friends-do

We've built a new feature called Get Paid Early, which lets you get your student loan a day earlier than usual, for free.

2019-08-16T00:00:00Z tag:monzo.com,2019-08-16:/blog/2019/08/16/monzo-international-student

Firstly, you can open a bank account before you even arrive!

2019-08-14T00:00:00Z tag:monzo.com,2019-08-14:/blog/2019/08/14/money-in-love-will-and-max

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-08-13T00:00:00Z tag:monzo.com,2019-08-13:/blog/2019/08/13/our-lending-principles

As part of our commitment to being a responsible lender, we follow 5 principles. This is our promise to you, and shows what you can expect if you borrow money from Monzo.

2019-08-09T00:00:00Z tag:monzo.com,2019-08-09:/blog/2019/08/09/how-were-doing-savings-accounts-differently

We've added new interest rates for Savings Pots! Learn how we're making it easier to have all your money in one place and still get a strong interest rate.

2019-08-08T00:00:00Z tag:monzo.com,2019-08-08:/blog/2019/08/09/how-to-get-the-most-out-of-monzo

From easily splitting bills to automatically saving your spare change, here's our list of great ways to use Monzo!

2019-08-08T00:00:00Z tag:monzo.com,2019-08-08:/blog/2019/08/09/what-do-i-need-to-set-up-a-monzo-account

You'll need your phone, your ID, and a few minutes to sign up!

2019-08-01T00:00:00Z tag:monzo.com,2019-08-01:/blog/2019/08/01/august-no-spend-challenge

The goal of the challenge is to rein in spending on things you don't really need this August.

2019-08-01T00:00:00Z tag:monzo.com,2019-08-01:/blog/2019/08/01/meet-bekki

We chatted to super-saver Bekki about how she's used Monzo on her saving journey.

2019-08-01T00:00:00Z tag:monzo.com,2019-08-01:/blog/2019/08/02/taking-cash-out-on-holiday

When you're abroad, don't let a shop or ATM do the currency conversion for you!

2019-08-01T00:00:00Z tag:monzo.com,2019-08-01:/blog/2019/08/05/how-do-i-get-a-monzo-account

Download the app to get started!

2019-07-31T00:00:00Z tag:monzo.com,2019-07-31:/blog/2019/07/31/how-we-experiment-at-monzo

Making big decisions is hard. So at Monzo, we test our ideas out whenever we can. Here's how that works!

2019-07-31T00:00:00Z tag:monzo.com,2019-07-31:/blog/2019/08/01/my-ex-racked-up-thousands-of-pounds-of-debt-in-my-name

After they split, 26-year-old Georgia discovered her ex had maxed out multiple credit cards, all in her name. She shares how she tackled the debt with help from her new partner, Luke.

2019-07-29T00:00:00Z tag:monzo.com,2019-07-29:/blog/2019/07/29/reclaim-mis-sold-ppi-and-get-compensation-free

The deadline to claim compensation is 29th August 2019. If you borrowed money in the nineties and noughties, consider making a claim.

2019-07-23T00:00:00Z tag:monzo.com,2019-07-23:/blog/2019/07/23/the-pink-bank-card-you-keep-seeing-what-it-is-and-how-to-get-one

It's a Monzo debit card!

2019-07-23T00:00:00Z tag:monzo.com,2019-07-23:/blog/2019/07/24/dear-monzo-budgeting-is-hard

As Laura tells one reader, to have any chance of sticking to your budget, you need to be realistic.

2019-07-23T00:00:00Z tag:monzo.com,2019-07-23:/blog/2019/07/24/fixed-term-savings-pot-account

We've just launched a 3 month Fixed Savings Pot, with market-leading interest rates (AER, variable).

2019-07-23T00:00:00Z tag:monzo.com,2019-07-23:/blog/2019/07/24/market-leading-interest-rate-on-monzo-savings-pots

You can now access the highest interest rate on the market for a 3 month Fixed Savings Pot, through Monzo.

2019-07-22T00:00:00Z tag:monzo.com,2019-07-22:/blog/2019/07/22/monzo-reviews

In our totally unbiased opinion, here are some of our favourite reviews of Monzo, as told by our customers.

2019-07-22T00:00:00Z tag:monzo.com,2019-07-22:/blog/2019/23/07/monzo-quarterly-update-q3-2019

What we've been working on in the last three months, and what's in store next!

2019-07-17T00:00:00Z tag:monzo.com,2019-07-17:/blog/2019/07/18/investment-opportunity-scams

An investment opportunity promising you amazing returns in days? It's probably a scam.

2019-07-17T00:00:00Z tag:monzo.com,2019-07-17:/blog/2019/07/18/money-in-love-fuminori-and-jake

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-07-16T00:00:00Z tag:monzo.com,2019-07-16:/blog/2019/07/18/remortgaging-test

A remortgage is when you already have a mortgage, but you switch to a new deal to avoid paying higher interest rates.

2019-07-10T00:00:00Z tag:monzo.com,2019-07-10:/blog/2019/07/10/the-evolution-of-monzo-chat

As we grow, we want to make sure we can consistently deliver amazing customer service.

2019-07-09T00:00:00Z tag:monzo.com,2019-07-09:/blog/2019/07/09/money-in-love-russell-and-richard

Through stories from real-life relationships, we're tackling the taboo around couples and their cash. 

2019-07-08T00:00:00Z tag:monzo.com,2019-07-08:/blog/2019/07/08/accounting-tools-monzo-business-account

From this week, you'll be able to integrate your Monzo Business Account with Xero or FreeAgent.

2019-07-08T00:00:00Z tag:monzo.com,2019-07-08:/blog/2019/07/08/how-we-respond-to-incidents

A good response process can mean the difference between something being resolved in minutes and an issue developing into something worse!

2019-07-04T00:00:00Z tag:monzo.com,2019-07-04:/blog/2019/07/04/monzo-plus-july-update

Today, we're adding two new things to Monzo Plus: we're letting you earn interest on the balance in your Monzo account and giving you access to exclusive offers and discounts.

2019-07-03T00:00:00Z tag:monzo.com,2019-07-03:/blog/2019/07/03/money-at-university

One of the biggest challenges at university (alongside actual academic work) is managing your money.

2019-07-03T00:00:00Z tag:monzo.com,2019-07-03:/blog/2019/07/03/the-role-of-technology-in-social-inclusion

The technology we use to create Monzo can play a key part in our mission to make money work for everyone.

2019-07-01T00:00:00Z tag:monzo.com,2019-07-01:/blog/2019/07/01/how-much-are-we-spending-on-going-out

We're spending over £70 on a night out on average, almost a fifth more than last year.

2019-06-27T00:00:00Z tag:monzo.com,2019-06-27:/blog/2019/04/10/1p-savings-challenge-chart

To start the 1p Savings Challenge, just print off this free printable chart! Tick off the amount you save every day and you'll have £667.96 after a year.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-central-london

What's trending in Central London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-east-london

What's trending in East London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-london

What's trending in London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-north-london

What's trending in North London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-south-east-london

What's trending in South East London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-south-west-london

What's trending in South West London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-26T00:00:00Z tag:monzo.com,2019-06-26:/blog/2019/06/27/trending-spending-west-london

What's trending in West London last month. Your favourite bars, best coffee shops, and brand new restaurants you're obsessed with - these are the places the Monzo community love.

2019-06-23T00:00:00Z tag:monzo.com,2019-06-23:/blog/2019/06/24/business-banking-update

We're slowly starting to offer more accounts. And we're launching a transparent product roadmap so you can keep track of what we're building!

2019-06-19T00:00:00Z tag:monzo.com,2019-06-19:/blog/2019/06/20/summer-savings-challenge

Make the most of the Great British summer!

2019-06-17T00:00:00Z tag:monzo.com,2019-06-17:/blog/2019/06/17/monzo-manchester

We've teamed up with some of your favourite places in Manchester, to give Monzo users access to deals and rewards over the next two weeks.

2019-06-17T00:00:00Z tag:monzo.com,2019-06-17:/blog/2019/06/18/dear-monzo-debt-and-credit-scores

Laura reaches out to the credit reference agencies to get to the bottom of one customer's falling credit score.

2019-06-16T00:00:00Z tag:monzo.com,2019-06-16:/blog/2019/06/17/monzo-called-to-say-i-should-transfer-money-to-a-safe-account

Definitely not! We've seen an increase in fraudsters claiming to be from Monzo trying to trick people into sending them money by bank transfer. Here's how to protect yourself.

2019-06-13T00:00:00Z tag:monzo.com,2019-06-13:/blog/2019/06/14/monzo-manage-money-at-a-festival

Festival season's finally here! Whatever event you're off to, here's how you and your friends can get the most out of Monzo this summer 🌞

2019-06-13T00:00:00Z tag:monzo.com,2019-06-13:/blog/2019/06/14/monzo-most-asked-questions

We took to Google to find out what Monzo-related questions you've been searching the internet for.

2019-06-11T00:00:00Z tag:monzo.com,2019-06-11:/blog/2019/06/11/1p-savings-challenge-monthly-on-payday

Do the 1p Savings Challenge monthly, so you can set aside your savings as soon as you get paid.

2019-06-11T00:00:00Z tag:monzo.com,2019-06-11:/blog/2019/06/11/should-i-start-investing

Investing in the stock market could help you get more out of your savings. But how do you do it? And what are the risks?

2019-06-07T00:00:00Z tag:monzo.com,2019-06-07:/blog/2019/06/07/save-the-date-challenge

It works by taking the date every day, adding up the day, month and year, then setting aside the total amount in pennies.

2019-06-07T00:00:00Z tag:monzo.com,2019-06-07:/blog/2019/06/07/what-is-interest-explained-in-simple-words

We explain how interest works in simple language. In fact, we only use the 1,000 most-used words!

2019-06-06T00:00:00Z tag:monzo.com,2019-06-06:/blog/2019/06/06/pyramid-schemes-are-illegal

No, pyramid schemes are illegal. People who create them could go to prison, and if you join one you could end up losing hundreds of pounds.

2019-06-05T00:00:00Z tag:monzo.com,2019-06-05:/blog/2019/06/05/can-i-get-monzo-if-i-already-have-a-bank-account

Yes! You can have more than one bank account, so you can open a Monzo account alongside any other accounts you already have.

2019-06-05T00:00:00Z tag:monzo.com,2019-06-05:/blog/2019/06/05/should-i-bank-transfer-money-to-a-safe-account

No - this is a kind of fraud where someone tricks you into sending them money, usually by pretending to be from a company you trust.

2019-06-04T00:00:00Z tag:monzo.com,2019-06-04:/blog/2019/06/04/reverse-1p-savings-challenge-monzo

Do the 1p Saving Challenge backwards, so it gets easier over time!

2019-06-04T00:00:00Z tag:monzo.com,2019-06-04:/blog/2019/06/04/wedding-guests-debt

From destination weddings to extravagant stag dos, the cost of attending a wedding is rising.

2019-06-03T00:00:00Z tag:monzo.com,2019-06-03:/blog/2019/06/03/ramadan-swear-pot

Birmingham City student Inti tells us how she got on (and how much she saved!)

2019-06-03T00:00:00Z tag:monzo.com,2019-06-03:/blog/2019/06/03/vegan-on-a-budget

We spoke to two vegans to find out how you can go vegan, without it costing the earth.

2019-05-30T00:00:00Z tag:monzo.com,2019-05-30:/blog/2019/05/30/everyone-does-user-research-at-monzo

It might seem like blasphemy to other researchers, but we encourage everyone who works on the Monzo app to do their own user research.

2019-05-30T00:00:00Z tag:monzo.com,2019-05-30:/blog/2019/05/30/faster-payments-issue

Some bank transfers aren't working. We're working on sorting it out asap.

2019-05-30T00:00:00Z tag:monzo.com,2019-05-30:/blog/2019/05/30/micro-saving-with-monzo

Setting aside small amounts of money regularly can be one of the most effective ways to save.

2019-05-28T00:00:00Z tag:monzo.com,2019-05-28:/blog/2019/05/28/fixing-notifications-on-android

We encountered an interesting bug in our Android app notifications. Here's how we fixed it.

2019-05-23T00:00:00Z tag:monzo.com,2019-05-23:/blog/2019/05/23/nudge-theory-and-money

How to use the science of persuasion to help you get your financial life in order.

2019-05-23T00:00:00Z tag:monzo.com,2019-05-23:/blog/2019/05/23/protect-yourself-agains-app-fraud

Authorised push payment (APP) fraud is where someone tricks you into sending them money from your bank account. Here are some tips how to avoid being a victim.

2019-05-23T00:00:00Z tag:monzo.com,2019-05-23:/blog/2019/05/23/save-money-to-afford-a-holiday

Rounding up your purchases to the nearest pound and saving the spare change is helping more than 380,000 people save money!

2019-05-22T00:00:00Z tag:monzo.com,2019-05-22:/blog/2019/05/22/daily-saving-with-monzo

Real people tell us how they use Monzo. 30-year-old Liverpool fan Emini explains how roundups helped him save enough for a trip to Madrid.

2019-05-22T00:00:00Z tag:monzo.com,2019-05-22:/blog/2019/05/22/dear-monzo-first-time-buyer

As Laura tells one reader in Leeds, buying a home these days is hard. But if you want to start saving and see if you can get there, you've got options.

2019-05-16T00:00:00Z tag:monzo.com,2019-05-16:/blog/2019/05/16/global-accessibility-awareness

This Global Accessibility Day we're sharing some of the work we're doing to make sure everyone can access Monzo.

2019-05-16T00:00:00Z tag:monzo.com,2019-05-16:/blog/2019/05/16/saving-money-going-vegetarian

Eating less meat saved British people more than £2.8 billion last year.

2019-05-15T00:00:00Z tag:monzo.com,2019-05-15:/blog/2019/05/15/gender-pay-gap

We've published our gender pay gap for 2019.

2019-05-15T00:00:00Z tag:monzo.com,2019-05-15:/blog/2019/05/15/monzo-plus-the-road-ahead

We've launched Monzo Plus, so what happens now? Here's a look at the road ahead for 2019 and beyond.

2019-05-15T00:00:00Z tag:monzo.com,2019-05-15:/blog/2019/05/15/national-numeracy-challenge

This National Numeracy Day, put your skills to the test and get more confident with numbers.

2019-05-15T00:00:00Z tag:monzo.com,2019-05-15:/blog/2019/05/15/supporting-mental-health

If your mental health affects the way you manage your money, you might want to tell us. So we can support you in a way that suits your needs.

2019-05-13T00:00:00Z tag:monzo.com,2019-05-13:/blog/2019/05/13/supporting-vulnerable-customers

They work to understand the needs of all our customers, especially those who are more likely to have problems with their money.

2019-05-10T00:00:00Z tag:monzo.com,2019-05-10:/blog/2019/05/10/should-i-get-monzo

Seen an ad on TV and thinking of signing up? Here's why you should probably, definitely get Monzo.

2019-05-09T00:00:00Z tag:monzo.com,2019-05-09:/blog/2019/05/09/giving-to-charity

You share which charities you support and why. And tell us the creative ways you've come up with to find room in your budget to donate.

2019-05-08T00:00:00Z tag:monzo.com,2019-05-08:/blog/2019/05/08/money-in-love-rosie-alex

Twenty-something couple Rosie and Alex are working to pay off debts that amount to £15,000 between them.

2019-05-07T00:00:00Z tag:monzo.com,2019-05-07:/blog/2019/05/07/how-to-save-money-with-monzo

A definitive guide to all the ways you can use Monzo to save money, earn interest and achieve your savings goals.

2019-05-03T00:00:00Z tag:monzo.com,2019-05-03:/blog/2019/05/03/writing-clear-terms-and-conditions

How to write terms and conditions anyone can understand.

2019-05-02T00:00:00Z tag:monzo.com,2019-05-02:/blog/2019/05/02/shawbrook-savings-pots

We're launching Flexible Savings Pots with Shawbrook to help you earn interest on your savings.

2019-05-01T00:00:00Z tag:monzo.com,2019-05-01:/blog/2019/05/01/save-little-and-often

Setting aside small amounts of money regularly can be one of the most effective ways to save.

2019-04-26T00:00:00Z tag:monzo.com,2019-04-26:/blog/2019/04/26/savings-marketplace

Over the next few weeks, we'll be announcing a series of new partnerships that will lay the foundation for a true savings marketplace. We wanted to lay out our future vision for that marketplace.

2019-04-25T00:00:00Z tag:monzo.com,2019-04-25:/blog/2019/04/25/money-in-love-rob-vic

This Manchester family of four live off Rob's £25,000 salary, while Vic takes care of their growing family.

2019-04-24T00:00:00Z tag:monzo.com,2019-04-24:/blog/2019/04/24/common-money-mistakes

Are you making these common mistakes without realising it?

2019-04-24T00:00:00Z tag:monzo.com,2019-04-24:/blog/2019/04/24/good-vs-bad-debt-should-i-borrow-money

Borrowing can help you manage your finances, increase your wealth and invest in your future. Here's how to work out if it's worth borrowing money.

2019-04-23T00:00:00Z tag:monzo.com,2019-04-23:/blog/2019/04/23/introducing-monzo-plus

We're launching Monzo Plus - a way for you to get extra features to your Monzo account for a small monthly fee.

2019-04-18T00:00:00Z tag:monzo.com,2019-04-18:/blog/2019/04/18/money-in-love-sian-matt

Loughborough students Sian and Matt explain how they live off loans, overdrafts and credit cards, and share the post-uni plans they're making together.

2019-04-11T00:00:00Z tag:monzo.com,2019-04-11:/blog/2019/04/11/custom-pot-images-android

And let's just say we love your work.

2019-04-11T00:00:00Z tag:monzo.com,2019-04-11:/blog/2019/04/11/money-in-love-claire-mike

Nottingham couple Claire and Mike have been together for 26 years and have four young kids aged nine, eight, five and three.

2019-04-11T00:00:00Z tag:monzo.com,2019-04-11:/blog/2019/04/11/monzo-features-you-need-to-know-about

Are you getting the most out of Monzo?

2019-04-10T00:00:00Z tag:monzo.com,2019-04-10:/blog/2019/04/10/living-at-home

26 year old Sonya earns £30,000 and lives with her parents in Windsor. She explains why contributing to her family's costs is the least she can do.

2019-04-09T00:00:00Z tag:monzo.com,2019-04-09:/blog/2019/04/09/dear-monzo-frustrated-in-debt

As Laura tells one reader, putting money in savings while you're paying off debt might make you feel better. But it can cost you more in the long run.

2019-04-09T00:00:00Z tag:monzo.com,2019-04-09:/blog/2019/04/09/how-can-i-start-saving

You're always putting it off. But the longer you wait, the harder it feels to start saving from scratch.

2019-04-05T00:00:00Z tag:monzo.com,2019-04-05:/blog/2019/04/05/april-monthly-update

We launched ISAs just in time for the end of the tax year, and we're working on giving you even more options to grow your savings.

2019-04-04T00:00:00Z tag:monzo.com,2019-04-04:/blog/2019/04/04/launching-isas

Save money in a Pot without paying tax on the interest you earn. Just in time for the new tax year.

2019-04-04T00:00:00Z tag:monzo.com,2019-04-04:/blog/2019/04/04/money-in-love-nellie-nial

Nellie and Nial have just bought a flat in London, but have mixed feelings about doing it with their parents' money.

2019-04-04T00:00:00Z tag:monzo.com,2019-04-04:/blog/2019/04/04/why-we-block-freeze-close-monzo-accounts

Blocking or closing accounts is something all banks have to do sometimes, to meet their legal and regulatory obligations, in line with their terms and conditions, and to help fight against financial crime. We explain why this (very rarely) happens.

2019-04-03T00:00:00Z tag:monzo.com,2019-04-03:/blog/2019/04/03/deploying-envoy-proxy

We moved our remote procedure call (RPC) service mesh from Linkerd to Envoy to make Monzo faster.

2019-04-01T00:00:00Z tag:monzo.com,2019-04-01:/blog/2019/04/01/big-issue-monzo-pay-it-forward

As part of our No Barriers To Banking campaign, we've worked with The Big Issue to let you sell the magazine onto your friends so vendors can earn more.

2019-03-29T00:00:00Z tag:monzo.com,2019-03-29:/blog/2019/03/29/money-in-love-ash-bobby

Lincolnshire couple Ash & Bobby make £23k and stick to a meticulous budget while Bobby works less to look after their two young daughters.

2019-03-28T00:00:00Z tag:monzo.com,2019-03-28:/blog/2019/03/28/wow-air-collapse

Iceland's WOW Air announced that it's stopped operating and cancelled all future flights. Here's what to do if you're a Monzo customer that's been affected.

2019-03-22T00:00:00Z tag:monzo.com,2019-03-22:/blog/2019/03/22/money-in-love-katherine-christina

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-03-21T00:00:00Z tag:monzo.com,2019-03-21:/blog/2019/03/21/diversity-and-inclusion

We're building a bank that works for everyone, and to do that we need a diverse team. Here's an update on our progress so far and our plans to improve.

2019-03-19T00:00:00Z tag:monzo.com,2019-03-19:/blog/2019/03/19/improving-our-staff-VPN

OpenVPN is great, but there were some things we wanted to change.

2019-03-18T00:00:00Z tag:monzo.com,2019-03-18:/blog/2019/03/18/a-trick-to-stop-you-spending-your-savings

Always dipping into your savings? Nudge yourself out of the habit by using your guilt to your own advantage.

2019-03-18T00:00:00Z tag:monzo.com,2019-03-18:/blog/2019/03/18/custom-pot-images

We love your creativity.

2019-03-15T00:00:00Z tag:monzo.com,2019-03-15:/blog/2019/03/15/use-monzo-with-housemates

We can't make your housemates do the dishes. But using Monzo can make moving in, paying rent and living together easier!

2019-03-14T00:00:00Z tag:monzo.com,2019-03-14:/blog/2019/03/14/money-in-love-lauren-dan

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-03-13T00:00:00Z tag:monzo.com,2019-03-13:/blog/2019/03/13/sell-stuff-online-with-monzo

Having a clearout or starting your own side-hustle? Learn how to pick the right marketplace, protect yourself, and get paid by buyers when you sell stuff online.

2019-03-08T00:00:00Z tag:monzo.com,2019-03-08:/blog/2019/03/08/getting-a-pay-rise

Are you being paid what you're worth?

2019-03-06T00:00:00Z tag:monzo.com,2019-03-06:/blog/2019/03/06/budget-irregular-income

If you're a freelancer, self-employed or on a zero-hours contract, it can be even harder to budget when your income keeps changing.

2019-03-06T00:00:00Z tag:monzo.com,2019-03-06:/blog/2019/03/06/march-monthly-update

We've been making progress with our new and exciting 2019 plans - from business accounts to Monzo Plus, here's what we've been up to!

2019-03-04T00:00:00Z tag:monzo.com,2019-03-04:/blog/2019/03/04/using-your-credit-card-on-holiday

Thinking of using a credit card to afford your holiday, protect your bookings or access money abroad? Here's what you should consider first.

2019-03-03T00:00:00Z tag:monzo.com,2019-03-03:/blog/2019/03/03/bad-with-money

Think you're bad with money? No one's beyond help.

2019-02-28T00:00:00Z tag:monzo.com,2019-02-28:/blog/2019/02/28/money-in-nick-amy

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-02-21T00:00:00Z tag:monzo.com,2019-02-21:/blog/2019/02/21/dear-monzo

Journalist and author Laura Whateley is our new resident agony aunt, and she's here to help you face your financial dilemmas.

2019-02-21T00:00:00Z tag:monzo.com,2019-02-21:/blog/2019/02/21/money-in-love-jen-dave

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-02-19T00:00:00Z tag:monzo.com,2019-02-19:/blog/2019/02/19/do-you-need-insurance

Is home insurance worth the cost? We look at how buildings and contents insurance work, what you'll have to pay and whether you really need them.

2019-02-14T00:00:00Z tag:monzo.com,2019-02-14:/blog/2019/02/14/money-in-love-frank-charlotte/

Through stories from real-life relationships, we're tackling the taboo around couples and their cash.

2019-02-14T00:00:00Z tag:monzo.com,2019-02-14:/blog/2019/02/14/saving-money-when-youre-broke

Saving money can seem impossible when you're always broke.

2019-02-13T00:00:00Z tag:monzo.com,2019-02-13:/blog/2019/02/13/february-monthly-update

From improving Golden Tickets to making paying people even easier, we released a bunch of new and exciting things last month!

2019-02-11T00:00:00Z tag:monzo.com,2019-02-11:/blog/2019/02/11/building-monzo-chat-on-android/

We've built bespoke software from scratch, that helps us manage chats in the app. Here's how we implemented it on Android.

2019-02-11T00:00:00Z tag:monzo.com,2019-02-11:/blog/2019/02/11/business-banking-alpha

We're launching a small test of business accounts to 100 sole traders and limited companies!

2019-02-11T00:00:00Z tag:monzo.com,2019-02-11:/blog/2019/02/11/internal-product-design

Our customer service team gives you fast, delightful support behind the scenes. Here's how we design the tools they use every day.

2019-02-11T00:00:00Z tag:monzo.com,2019-02-11:/blog/2019/02/11/user-research-analysis

User research is crucial if we want to keep meeting our customers' needs. But research shouldn't stop us from building fast and shipping quickly.

2019-02-07T00:00:00Z tag:monzo.com,2019-02-07:/blog/2019/02/07/authorised-push-payment-fraud

Do you really know who you're sending money to? Find out how to avoid authorised push payment fraud and what we're doing to protect you.

2019-02-07T00:00:00Z tag:monzo.com,2019-02-07:/blog/2019/02/07/joint-account-switching

Moving your joint account across just got a whole lot easier.

2019-02-06T00:00:00Z tag:monzo.com,2019-02-06:/blog/2019/02/06/zero-sum-budgeting

Want to stop wasting money? Always skint at the end of the month? Try using a zero-sum budget to get your spending under control.

2019-02-05T00:00:00Z tag:monzo.com,2019-02-05:/blog/2019/02/05/savings-pots-paused

As of today, you won't be able to create a new Savings Pot - but we're working to make them available again soon.

2019-02-04T00:00:00Z tag:monzo.com,2019-02-04:/blog/2019/02/04/giving-to-charity-when-youre-broke

Donating money isn't the only way to support a good cause. Here are nine ways to make a difference if your heart's bigger than your bank balance.

2019-02-04T00:00:00Z tag:monzo.com,2019-02-04:/blog/2019/02/04/pay-anyone-link

Paying people just got easier. You can now pay anyone with just a link!

2019-02-01T00:00:00Z tag:monzo.com,2019-02-01:/blog/2019/02/01/bill-splitting

Going Dutch on dinner or doing the shared shop for your flat? Use Monzo to get people to pay you back easily.

2019-01-31T00:00:00Z tag:monzo.com,2019-01-31:/blog/2019/01/31/flux-monzo-launch

Thanks to our partnership with Flux, you'll now be able to see receipts for purchases at selected retailers in your Monzo app!

2019-01-30T00:00:00Z tag:monzo.com,2019-01-30:/blog/2019/01/30/cost-of-a-dog

You've always dreamed of owning your own pooch and think you're ready for the commitment. But can you afford a furry friend?

2019-01-30T00:00:00Z tag:monzo.com,2019-01-30:/blog/2019/01/30/mental-health/

We're working to create a safe and supportive environment for everyone.

2019-01-30T00:00:00Z tag:monzo.com,2019-01-30:/blog/2019/01/30/save-money-and-the-planet

Can being more sustainable can actually save you cash?

2019-01-29T00:00:00Z tag:monzo.com,2019-01-29:/blog/2019/01/29/2019-features

In the next 12 months we'll pursue ideas that help us make Monzo better, bring it to more people, and build a sustainable business.

2019-01-22T00:00:00Z tag:monzo.com,2019-01-22:/blog/2019/01/22/how-to-manage-money-with-children

Having children can change your life, and your finances along with it. This guide will help you manage money as a first time parent, from cutting costs to saving for the future.

2019-01-22T00:00:00Z tag:monzo.com,2019-01-22:/blog/2019/01/22/how-to-save-money-on-train-travel

Travelling by rail? Save your pennies and pounds with our clever money tips.

2019-01-21T00:00:00Z tag:monzo.com,2019-01-21:/blog/2019/01/21/get-fit-on-a-budget

Getting fit doesn't have to cost a perfectly-toned arm and leg. Here's how you can exercise for less.

2019-01-18T00:00:00Z tag:monzo.com,2019-01-18:/blog/2019/01/18/how-to-budget

Make a daily, monthly or yearly budget to help you plan and reach your money goals.

2019-01-17T00:00:00Z tag:monzo.com,2019-01-17:/blog/2019/01/17/monzo-product-designer-jobs

What makes someone an amazing product designer?

2019-01-16T00:00:00Z tag:monzo.com,2019-01-16:/blog/2019/01/16/crowdfunding-technology-systems

We prepared our systems for crowdfunding by shedding load, and built tools to help us monitor on the day.

2019-01-16T00:00:00Z tag:monzo.com,2019-01-16:/blog/2019/01/16/monzo-plan-ahead

You can now see all your upcoming payments in Monzo. Here's how you can always stay one step ahead of your finances.

2019-01-15T00:00:00Z tag:monzo.com,2019-01-15:/blog/2019/01/15/crowdfunding-technology-testing

More than 9,000 people opened their apps to invest in the first five minutes of crowdfunding. To make sure we were ready, we ran tests to simulate the extra load and upgraded our platform to cope with it.

2019-01-14T00:00:00Z tag:monzo.com,2019-01-14:/blog/2019/01/14/crowdfunding-technology-backend-architecture

We architected and built a scalable backend to support 36,000 investments.

2019-01-09T00:00:00Z tag:monzo.com,2019-01-09:/blog/2019/01/09/january-monthly-update

From improving Pots (even more) to an easier way of tracking what you're owed through Shared Tabs, we take a look at the progress we made in December, and give you a sneak peek of what's in store for January and beyond.

2018-12-21T00:00:00Z tag:monzo.com,2018-12-21:/blog/2018/12/21/android-app-icons

If you use Monzo on Android, you can now choose your own app icon!

2018-12-20T00:00:00Z tag:monzo.com,2018-12-20:/blog/2018/12/20/how-to-get-therapy

Getting help with your mental health doesn't have to be a luxury with these more affordable options.

2018-12-20T00:00:00Z tag:monzo.com,2018-12-20:/blog/2018/12/20/self-care-mental-health

The wellness industry is worth millions. But you don't have to spend a fortune to invest in self-care. Here's how you can look after your mental health for free.

2018-12-18T00:00:00Z tag:monzo.com,2018-12-18:/blog/2018/12/18/your-rights-flight-delays-cancellations

It's no fun getting stuck or turned away at the airport. But you may be able to get compensation or a refund if your flight has been delayed or cancelled.

2018-12-17T00:00:00Z tag:monzo.com,2018-12-17:/blog/2018/12/17/customer-support

Over the last few months you might've had to wait longer than usual for a response from customer support. We're really sorry. Here's what happened and what we've done to fix it.

2018-12-14T00:00:00Z tag:monzo.com,2018-12-14:/blog/2018/12/14/your-rights-returning-goods

Ordered the wrong size? Received a damaged item? You may be able to get a refund or similar. Learn about your rights when it comes to purchasing products.

2018-12-13T00:00:00Z tag:monzo.com,2018-12-13:/blog/2018/12/13/locked-pots

To help you avoid dipping into your savings, you can lock your Pots until a date you choose.

2018-12-13T00:00:00Z tag:monzo.com,2018-12-13:/blog/2018/12/13/shared-tabs

Settling up bills can be a pain. So we've created Shared Tabs to make it easier.

2018-12-13T00:00:00Z tag:monzo.com,2018-12-13:/blog/2018/12/13/throw-achristmas-party-on-a-budget

Affordable festive food, drink and decoration ideas.

2018-12-12T00:00:00Z tag:monzo.com,2018-12-12:/blog/2018/12/12/christmas-shopping-sales

Tis the season of giving gifts... and sometimes returning them. We've got some tips to make it easier for you, plus some important info about Christmas sales.

2018-12-11T00:00:00Z tag:monzo.com,2018-12-11:/blog/2018/12/11/christmas-gift

Throughout December, we're giving £10 to every friend you invite!

2018-12-11T00:00:00Z tag:monzo.com,2018-12-11:/blog/2018/12/11/december-update

We take a look at the progress we've made so far, and explain what's in store for the rest of the month.

2018-12-11T00:00:00Z tag:monzo.com,2018-12-11:/blog/2018/12/11/design-files-system

Organising your design files is crucial if you want to work quickly and collaborate effectively as you grow. We've explained the way our system works and made our tooling open source so you can use it too!

2018-12-11T00:00:00Z tag:monzo.com,2018-12-11:/blog/2018/12/11/las-vegas-office

We're opening our own office in Las Vegas so we can keep giving all our customers round-the-clock support as we grow.

2018-12-10T00:00:00Z tag:monzo.com,2018-12-10:/blog/2018/12/10/joint-pots

You can now use Pots on joint accounts!

2018-12-06T00:00:00Z tag:monzo.com,2018-12-06:/blog/2018/12/06/find-your-saving-style

There are lots of ways to save. But how do you find a method that works for you? Whether you want to save faster, smarter or more reliably, follow these tips to help you put money away.

2018-12-04T00:00:00Z tag:monzo.com,2018-12-04:/blog/2018/11/29/refactoring-old-code

We held an internal hackathon to improve some of the oldest code in the bank! Here's why that's good for our engineers and our customers.

2018-11-30T00:00:00Z tag:monzo.com,2018-11-30:/blog/2018/11/30/marriott-data-breach

The Marriott hotel group just announced that more than 500 million customers of its Starwood hotels have been affected by a data breach.

2018-11-28T00:00:00Z tag:monzo.com,2018-11-28:/blog/2018/11/28/how-to-save-for-a-wedding

The average cost of a wedding in the UK is £32,273. Learn how to budget and save for your wedding ceremony, reception and honeymoon in three steps.

2018-11-27T00:00:00Z tag:monzo.com,2018-11-27:/blog/2018/11/27/how-to-save-for-retirement

Saving for retirement is important if you want to spend your twilight years in comfort. We've got some solid guidance to give you a headstart.

2018-11-23T00:00:00Z tag:monzo.com,2018-11-23:/blog/2018/11/23/how-to-save-for-a-house-deposit

Looking to buy your first home? With the average house deposit at £33,127, your goal may seem far away. But we've got some solid tips for saving towards it.

2018-11-23T00:00:00Z tag:monzo.com,2018-11-23:/blog/2018/11/23/what-is-crowdfunding

Crowdfunding is a way to raise money from a large number of people. We've explained how it works and what to consider before becoming a funder.

2018-11-22T00:00:00Z tag:monzo.com,2018-11-22:/blog/2018/11/22/business-banking

We're in the very early stages of exploring business bank accounts, and we're applying for some funding to help us.

2018-11-21T00:00:00Z tag:monzo.com,2018-11-21:/blog/2018/11/21/deposit-cash

You can deposit cash in your Monzo account at any of the 28,000 PayPoints or 11,500 Post Offices across the UK.

2018-11-20T00:00:00Z tag:monzo.com,2018-11-20:/blog/2018/11/20/flexible-budgeting

We're updating Summary so you can budget in a way that works for you.

2018-11-20T00:00:00Z tag:monzo.com,2018-11-20:/blog/2018/11/20/why-we-are-lending

We want to lend money in a way that's fair, transparent, and helps you achieve your goals.

2018-11-20T00:00:00Z tag:monzo.com,2018-11-20:/blog/2018/11/20/women-in-finance-update

In May 2017 we signed the Women in Finance Charter, and pledged to improve the gender balance in our senior team. Here's an update on the progress we've made so far.

2018-11-14T00:00:00Z tag:monzo.com,2018-11-14:/blog/2018/11/14/isas-explained

An ISA is a tax-free account for cash and investments. Learn how they work and what the different types are - including cash, Lifetime, and stock and shares ISAs.

2018-11-12T00:00:00Z tag:monzo.com,2018-11-12:/blog/2018/11/12/november-update

We take a look at the progress we've made so far, and explain what's in store for the rest of the month.

2018-11-09T00:00:00Z tag:monzo.com,2018-11-09:/blog/2018/11/09/employee-social-media-guidelines

Companies usually have strict policies about what people can and can't do on their own social media accounts. At Monzo, we're taking a different approach.

2018-11-09T00:00:00Z tag:monzo.com,2018-11-09:/blog/2018/11/09/national-living-minimum-wage

If you work in the UK, learn about the wages you're entitled to, how they're calculated, and how they compare to the real living wage.

2018-11-07T00:00:00Z tag:monzo.com,2018-11-07:/blog/2018/11/07/making-monzo-roadmap

Introducing some new ways to see what's coming next from Monzo.

2018-11-05T00:00:00Z tag:monzo.com,2018-11-05:/blog/2018/11/05/monzo-community

By helping us understand real world problems, sharing frank feedback and holding us to account, our community helps us build a better bank.

2018-11-02T00:00:00Z tag:monzo.com,2018-11-02:/blog/2018/11/02/monzo-chat

So we can keep making Monzo customer support even better, we've built our own software to manage chats in the app.

2018-11-01T00:00:00Z tag:monzo.com,2018-11-01:/blog/2018/11/01/savings-pots

Savings Pots let you earn interest on your savings through Monzo. And we're starting to roll them out today!

2018-10-30T00:00:00Z tag:monzo.com,2018-10-30:/blog/2018/10/30/what-is-inflation

Inflation happens when the general price of goods and services goes up, and it means your money won't go as far as it used to. Here's how it works, and how it can affect you.

2018-10-25T00:00:00Z tag:monzo.com,2018-10-25:/blog/2018/10/25/interest-explained

Understanding interest is essential. It can help you calculate the costs of borrowing, predict how your savings will grow, and pick better financial products. Our big guide will tell you just about everything you need to know on interest.

2018-10-24T00:00:00Z tag:monzo.com,2018-10-24:/blog/2018/10/24/types-of-savings-account

Wondering how to make the most of your savings? Learn about four types of savings accounts and which ones might work best for you.

2018-10-18T00:00:00Z tag:monzo.com,2018-10-18:/blog/2018/10/18/work-at-monzo

There are a few things you might not know about working in the customer support team at Monzo. If you like what you see, come and join us!

2018-10-16T00:00:00Z tag:monzo.com,2018-10-16:/blog/2018/10/16/making-monzo-better

For the next three months, a dedicated squad will work on some small but significant improvements that you've told us we need to address next.

2018-10-12T00:00:00Z tag:monzo.com,2018-10-12:/blog/2018/10/12/what-is-a-good-credit-score

Wondering how high your credit score should be? The answer isn't that simple.

2018-10-11T00:00:00Z tag:monzo.com,2018-10-11:/blog/2018/10/11/how-to-check-your-credit-score-report

Here's how to get your score and report for free, and what to look for when you do.

2018-10-09T00:00:00Z tag:monzo.com,2018-10-09:/blog/2018/10/09/bill-splitting

Introducing a new way to split payments with your friends.

2018-10-05T00:00:00Z tag:monzo.com,2018-10-05:/blog/2018/10/05/secured-unsecured-credit

Find out what ‘security' is, why lenders may ask for it, and how secured and unsecured credit are different.

2018-10-04T00:00:00Z tag:monzo.com,2018-10-04:/blog/2018/10/04/guarantors-how-and-why

Guarantors can help you get accepted for rented accommodation and credit. Find out who can be your guarantor, what it means to be one, and what to do if you can't get one.

2018-10-01T00:00:00Z tag:monzo.com,2018-10-01:/blog/2018/10/01/october-update

From making our iOS app faster, to adding the option to pay cash into your Monzo account, we take a look at the progress we've made in September, and explain what's in store for October.

2018-09-25T00:00:00Z tag:monzo.com,2018-09-25:/blog/2018/09/25/share-with-us

When something affects the way you manage your money, if you let us know we'll do everything we can do support you. So we've added a tool called ‘Share with us' that lets you tell us what's happening through the Monzo app.

2018-09-21T00:00:00Z tag:monzo.com,2018-09-21:/blog/2018/09/21/protect-yourself-against-fraud-identity-theft

Banks and other companies work hard to prevent data theft and financial fraud. But there are a few things you can do to protect yourself too.

2018-09-20T00:00:00Z tag:monzo.com,2018-09-20:/blog/2018/09/20/on-call

A team of engineers are available 24/7/365 to respond when things go wrong. For other companies thinking about how to approach incidents, here's how we do on-call at Monzo.

2018-09-18T00:00:00Z tag:monzo.com,2018-09-18:/blog/2018/09/18/ios-app-performance

We've been working on making our iOS app much faster, and we've made some significant improvements so far!

2018-09-13T00:00:00Z tag:monzo.com,2018-09-13:/blog/2018/09/13/student-loans-northern-ireland

If you're planning to go to university, you might want a student loan to help cover your tuition fees and maintenance costs. Here's how student loans work in Northern Ireland.

2018-09-10T00:00:00Z tag:monzo.com,2018-09-10:/blog/2018/09/10/renting-student-accommodation

Our guide covers everything from choosing housemates to applying for a house.

2018-09-07T00:00:00Z tag:monzo.com,2018-09-07:/blog/2018/09/07/ba-data-breach

Last night British Airways announced that the personal and financial details of their customers had been stolen. We identified the 1,300 Monzo customers who've been affected, and ordered them replacement cards as a precaution.

2018-09-05T00:00:00Z tag:monzo.com,2018-09-05:/blog/2018/09/05/monzo-bank-statements

You can download bank statements for any month from the Monzo app!

2018-09-04T00:00:00Z tag:monzo.com,2018-09-04:/blog/2018/09/04/move-your-salary-to-monzo

There are a few ways to add money to your Monzo account, including getting your salary paid straight in.

2018-09-04T00:00:00Z tag:monzo.com,2018-09-04:/blog/2018/09/04/september-update

From bringing Monzo to younger people, to improving the performance of our iOS app, we take a look at the progress we've made in August, and explain what's in store for September.

2018-09-03T00:00:00Z tag:monzo.com,2018-09-03:/blog/2018/09/03/is-monzo-free

Yes! Opening a Monzo account is free, and you don't have to pay for your hot coral Monzo card. We won't charge you for spending with your card or withdrawing cash in the UK, and it's free to spend with your card abroad.

2018-08-30T00:00:00Z tag:monzo.com,2018-08-30:/blog/2018/08/30/manage-your-bills

Here's some handy guidance to help you stay on top of payments and get the best deal.

2018-08-23T00:00:00Z tag:monzo.com,2018-08-23:/blog/2018/08/23/schedule-payments-out-of-pots

You can now move money out of Pots automatically, so you can spend it when you need it!

2018-08-23T00:00:00Z tag:monzo.com,2018-08-23:/blog/2018/08/23/seven-day-switch

Switching bank accounts can seem like a hassle, but the Current Account Switch Service makes it easy! Switching to Monzo only takes seven days - here's what happens on each one.

2018-08-22T00:00:00Z tag:monzo.com,2018-08-22:/blog/2018/08/22/end-of-the-big-list

Three months ago today we published a list of features and committed to bringing them to you. Here's what we've done in the last three months to make Monzo better, and what we plan to do next!

2018-08-22T00:00:00Z tag:monzo.com,2018-08-22:/blog/2018/08/22/launching-3d-secure

We've built 3D Secure (the Monzo way!) so you can make online payments safely.

2018-08-21T00:00:00Z tag:monzo.com,2018-08-21:/blog/2018/08/21/budget-with-monzo

Budgeting apps can take the painful admin out of setting and sticking to a budget. You can use the Monzo app to plan and track your spending, so you can manage your money better.

2018-08-21T00:00:00Z tag:monzo.com,2018-08-21:/blog/2018/08/21/savings-update

As part of the Big List, we committed to helping you get interest paid on savings in a pot. Here's an update about our plans and how the project's going!

2018-08-16T00:00:00Z tag:monzo.com,2018-08-16:/blog/2018/08/16/automate-your-finances

Wouldn't it be good if your money managed itself? Here are four ways you can use Monzo to automate your finances.

2018-08-15T00:00:00Z tag:monzo.com,2018-08-15:/blog/2018/08/15/manage-your-bills-with-monzo

Using Monzo to manage your bills is easy. Here are five ways we can help you keep track of your bills and other regular payments.

2018-08-15T00:00:00Z tag:monzo.com,2018-08-15:/blog/2018/08/15/split-the-bill

We've built a better version of bill splitting, that lets you split the bill with other Monzo users instantly, with a few clicks in the app.

2018-08-14T00:00:00Z tag:monzo.com,2018-08-14:/blog/2018/08/14/launching-joint-accounts

Introducing Monzo joint accounts! Pool your resources with someone to make life easier to manage.

2018-08-14T00:00:00Z tag:monzo.com,2018-08-14:/blog/2018/08/14/sharing-finances

Sharing finances with someone is a big step. Here's what you need to consider if you're thinking of opening a joint bank account or applying for credit together.

2018-08-13T00:00:00Z tag:monzo.com,2018-08-13:/blog/2018/08/13/test-3d-secure

We've built 3D Secure (the Monzo way!) and we'd love your help with testing.

2018-08-10T00:00:00Z tag:monzo.com,2018-08-10:/blog/2018/08/10/earning-money-explained

Get to grips with the how, what and when of getting paid. We explain everything from wages, tips and bonuses to paying national insurance and income tax.

2018-08-10T00:00:00Z tag:monzo.com,2018-08-10:/blog/2018/08/10/student-loans-explained

Planning to go to university? Then you may want a student loan to cover your tuition fees and maintenance costs. Here's how student loans work in England and Wales.

2018-08-09T00:00:00Z tag:monzo.com,2018-08-09:/blog/2018/08/09/things-to-consider-before-you-borrow-money

If you're thinking about borrowing money, here are seven things to consider first, like how much you need, what you can afford, and which lender to use.

2018-08-09T00:00:00Z tag:monzo.com,2018-08-09:/blog/2018/08/09/what-is-a-credit-score

Everything you need to know about credit scores, how credit reference agencies calculate them, and how lenders use them to decide whether or not to lend you money.

2018-08-09T00:00:00Z tag:monzo.com,2018-08-09:/blog/2018/08/09/what-kind-of-credit-should-i-use

Credit can be a convenient way to borrow money, and there are many different kinds - from credit cards, overdrafts, loans, hire purchase and conditional sale agreements. Here's how each one works, and when they can come in useful.

2018-08-08T00:00:00Z tag:monzo.com,2018-08-08:/blog/2018/08/08/making-bills-easier-to-manage

We've recently built some new features to make paying bills easier!

2018-08-07T00:00:00Z tag:monzo.com,2018-08-07:/blog/2018/08/07/understanding-how-young-people-manage-money

Before making Monzo available to 16-17 year olds, we carried out some user research to understand the challenges young people face when managing their money, and work out what we can do to solve them.

2018-08-06T00:00:00Z tag:monzo.com,2018-08-06:/blog/2018/08/06/monzo-for-16-18-year-olds

As our next step in the journey to make money work for everyone, we're making our accounts available to anyone in the UK aged 16-17!

2018-08-03T00:00:00Z tag:monzo.com,2018-08-03:/blog/2018/08/03/august-update

From adding money to your pots automatically, to better bill-splitting, we take a look at the progress we've made in July, and explain what's in store for August.

2018-08-03T00:00:00Z tag:monzo.com,2018-08-03:/blog/2018/08/03/measuring-customer-happiness

We're working to make our support more efficient, but not at the expense of your experience! We measure customer satisfaction to make sure we're always giving you the world-class support you deserve.

2018-08-03T00:00:00Z tag:monzo.com,2018-08-03:/blog/2018/08/03/our-internal-product-vision

Our internal product is software that we build and use ourselves, to make your experience of Monzo as amazing as it can be.

2018-08-02T00:00:00Z tag:monzo.com,2018-08-02:/blog/2018/08/02/pots-goals

Whether you're planning a wedding or saving up for a new phone, you can now set goals for your pots and save towards them!

2018-08-02T00:00:00Z tag:monzo.com,2018-08-02:/blog/2018/08/02/urgent-questions

When you reach out to us with a question, you can tell us whether it's urgent or not. Operations analyst Sam explains how putting our customers in control helps us prioritise your queries and deal with growing demand.

2018-08-01T00:00:00Z tag:monzo.com,2018-08-01:/blog/2018/08/01/data-help

As we work to make sure we can keep giving you world-class support as we scale, we've been using data to make changes to the help screen so you can find your own answers faster.

2018-07-31T00:00:00Z tag:monzo.com,2018-07-31:/blog/2018/07/31/monzo-las-vegas

To help us scale our service as we grow, without relying on people in the UK to work unsociable hours, we've recently set up a small a customer support team in Las Vegas! 🇺🇸

2018-07-30T00:00:00Z tag:monzo.com,2018-07-30:/blog/2018/07/30/scaling-our-customer-support

Made up of data scientists, designers, analysts and engineers, our Scalers team make sure we can keep providing amazing customer support, at massive scale.

2018-07-27T00:00:00Z tag:monzo.com,2018-07-27:/blog/2018/07/27/how-we-monitor-monzo

We use tools to monitor all our systems to make sure everything's working as it should. Platform team lead Chris shares a technical insight into the way we monitor Monzo.

2018-07-24T00:00:00Z tag:monzo.com,2018-07-24:/blog/2018/07/24/receiving-international-payments

40+ currencies converted to pounds, ready to spend.

2018-07-24T00:00:00Z tag:monzo.com,2018-07-24:/blog/2018/07/24/what-is-sepa

We explain what happens behind the scenes as your money moves around the world!

2018-07-19T00:00:00Z tag:monzo.com,2018-07-19:/blog/2018/07/19/set-savings-goals

Whether you're planning a wedding or saving up for a new phone, try setting goals for your pots and saving towards them!

2018-07-18T00:00:00Z tag:monzo.com,2018-07-18:/blog/2018/07/18/round-up-monzo-purchases-automatically

You can automatically round up transactions to the nearest pound and put the spare change aside into any pot!

2018-07-16T00:00:00Z tag:monzo.com,2018-07-16:/blog/2018/07/16/schedule-payments-into-pots

Start putting money aside regularly by scheduling payments into Pots.

2018-07-06T00:00:00Z tag:monzo.com,2018-07-06:/blog/2018/07/06/celebrating-pride

As we prepare for Pride in London tomorrow, we meet LGBT+ people across the company to hear about what they do at Monzo, what it's like to work here, and what Pride means to them.

2018-07-05T00:00:00Z tag:monzo.com,2018-07-05:/blog/2018/07/05/fingerprint-pay-android

You can now pay other people using just your fingerprint, without needing your PIN.

2018-07-05T00:00:00Z tag:monzo.com,2018-07-05:/blog/2018/07/05/july-update

From adding international payments to rolling out joint accounts, we take a look at the progress we've made in June, and explain what's in store for July.

2018-07-05T00:00:00Z tag:monzo.com,2018-07-05:/blog/2018/07/05/set-a-spending-budget

You can choose to set a spending budget that doesn't relate to the balance in your account, and track your progress against it each month.

2018-07-04T00:00:00Z tag:monzo.com,2018-07-04:/blog/2018/07/04/making-recurring-payments-better

We want to make Monzo the best bank in the world for managing your Direct Debits, standing orders and other regular payments like Netflix or Spotify.

2018-07-03T00:00:00Z tag:monzo.com,2018-07-03:/blog/2018/07/03/custom-app-icons

Today, we're announcing another new feature in the iOS app that came out of Monzo Time — custom app icons!

2018-07-03T00:00:00Z tag:monzo.com,2018-07-03:/blog/2018/07/03/the-big-list-update

Halfway through, we wanted to reflect on our progress and update you on exactly where we're at.

2018-06-29T00:00:00Z tag:monzo.com,2018-06-29:/blog/2018/06/29/engineering-principles

We've distilled some of the lessons we've learned while building Monzo over the past three years into a common set of engineering principles.

2018-06-28T00:00:00Z tag:monzo.com,2018-06-28:/blog/2018/06/28/joining-monzo-engineer-onboarding

If you're thinking of applying to Monzo or you're just about to start, here's what to expect in your first few weeks. Kieran McHugh explains how we onboard backend engineers at Monzo.

2018-06-28T00:00:00Z tag:monzo.com,2018-06-28:/blog/2018/06/28/ticketmaster-breach

Last night, Ticketmaster revealed a major data breach in which tens of thousands of people had their card details stolen. Our customers have nothing to worry about.

2018-06-27T00:00:00Z tag:monzo.com,2018-06-27:/blog/2018/06/27/engineering-management-at-monzo

Engineering manager Chris explains how we organise our teams and approach engineering management at Monzo.

2018-06-26T00:00:00Z tag:monzo.com,2018-06-26:/blog/2018/06/26/monzo-time

Android platform lead Emma explains why our engineers spend one day each month working on ideas that aren't in the roadmap, and shares some of the familiar features that were built during Monzo time!

2018-06-25T00:00:00Z tag:monzo.com,2018-06-25:/blog/2018/06/25/monzo-international-transfers

We're incredibly excited to announce today that we've teamed up with Wise to provide international money transfers from within your Monzo app!

2018-06-25T00:00:00Z tag:monzo.com,2018-06-25:/blog/2018/06/25/monzos-transparent-engineering-progression-framework

To make sure all our engineers have clear paths to progression, we've put together a framework that explains what we expect from engineers across the company, and we're sharing it transparently today.

2018-06-22T00:00:00Z tag:monzo.com,2018-06-22:/blog/2018/06/22/why-doesnt-monzo-have-branches

We believe we can give you everything you need from a bank, without branches. Pay in cheques and cash, withdraw large amounts of cash and make big bank transfers, all from your phone.

2018-06-21T00:00:00Z tag:monzo.com,2018-06-21:/blog/2018/06/13/how-to-get-online-in-an-emergency

If you find yourself without your phone or card you can now do the basics online with Monzo Web.

2018-06-19T00:00:00Z tag:monzo.com,2018-06-19:/blog/2018/06/19/gambling-block-self-exclusion

If you've decided to self-exclude from gambling, you can now block transactions to gambling sites, straight from the Monzo app.

2018-06-14T00:00:00Z tag:monzo.com,2018-06-14:/blog/2018/06/14/bill-tracker

We've added a new feature that keeps track of regular Direct Debits (like your phone contract or energy bill) and tells you when one of them's higher of lower than usual.

2018-06-14T00:00:00Z tag:monzo.com,2018-06-14:/blog/2018/06/14/what-is-open-banking

We explain what Open Banking is, how it works, and what it could mean for you and your money.

2018-06-13T00:00:00Z tag:monzo.com,2018-06-13:/blog/2018/06/13/how-card-payments-work

We break down what's going on behind the scenes each time you make a payment with your card.

2018-06-11T00:00:00Z tag:monzo.com,2018-06-11:/blog/2018/06/11/lost-or-stolen-card

If your card's been lost or stolen, here's how to cancel your card, order a replacement, and get a refund on any illegal transactions.

2018-06-08T00:00:00Z tag:monzo.com,2018-06-08:/blog/2018/06/08/adding-money-to-monzo

Add money to your Monzo account by making a bank transfer, setting up a standing order, or getting your salary paid straight in.

2018-06-07T00:00:00Z tag:monzo.com,2018-06-07:/blog/2018/06/07/is-monzo-a-bank

Yes! Monzo is a fully-licenced UK bank. That means we're regulated by the FCA and the PRA and the money in your Monzo account's protected up to £85,000.

2018-06-07T00:00:00Z tag:monzo.com,2018-06-07:/blog/2018/06/07/summary-update-predicting-committed-spending

We're starting to predict Direct Debits and subscriptions and include them in Summary, to give you better control over your budget.

2018-06-04T00:00:00Z tag:monzo.com,2018-06-04:/blog/2018/06/04/june-update

From launching Apple Pay, to helping you send international payments, we take a look at the progress we've made in May, and explain what's in store for June.

2018-05-30T00:00:00Z tag:monzo.com,2018-05-30:/blog/2018/05/30/getting-bank-account-refugee

If you recently arrived in the UK as a refugee, you can open a bank account with Monzo using your Biometric Residence Permit.

2018-05-29T00:00:00Z tag:monzo.com,2018-05-29:/blog/2018/05/29/financial-inclusion

Not having access to financial services today puts you at a significant disadvantage in society and often means you pay more, save less and can't access basic services needed to live. This is unacceptable.

2018-05-29T00:00:00Z tag:monzo.com,2018-05-29:/blog/2018/05/29/getting-bank-account-immigrant

One of the first things you'll need to do is open a bank account. But it can be incredibly time-consuming and confusing trying to open one here.

2018-05-25T00:00:00Z tag:monzo.com,2018-05-25:/blog/2018/05/25/improving-merchant-acceptance

Every now and then merchants decline Monzo cards. The vast majority of customers will never experience this, but for those that do, it can be very annoying. Here's how we're working with merchants to fix this.

2018-05-25T00:00:00Z tag:monzo.com,2018-05-25:/blog/2018/05/25/just-landed

From today, when you use your Monzo card to buy plane tickets, you'll now see the flight number and booking reference in your feed!

2018-05-25T00:00:00Z tag:monzo.com,2018-05-25:/blog/2018/05/25/monzo-2-events-roundup/

This week we went to Liverpool and Cardiff to talk about what matters to Monzo.

2018-05-24T00:00:00Z tag:monzo.com,2018-05-24:/blog/2018/05/24/no-more-monzo-waiting-list

There's no longer a waiting list to join Monzo! 🎉

2018-05-21T00:00:00Z tag:monzo.com,2018-05-21:/blog/2018/05/21/monzo-2-launch

On the blog this week we're marking the release of Monzo 2.0. We'll be looking at what's important to us and sharing what's up next for Monzo.

2018-05-18T00:00:00Z tag:monzo.com,2018-05-18:/blog/2018/05/18/mindfulness-and-wellbeing

Beth from our People team explains what we're doing at Monzo to help make sure our minds stay healthy.

2018-05-18T00:00:00Z tag:monzo.com,2018-05-18:/blog/2018/05/18/voluntary-disclosure

Head of Financial Difficulties Stuart explains why it can be useful to tell us if you're struggling with mental health problems, and what we can do to help.

2018-05-17T00:00:00Z tag:monzo.com,2018-05-17:/blog/2018/05/17/apple-pay-is-here

Apple Pay is here! You can now use your Monzo card with Apple Pay, the easy and safe way to pay in stores, in apps and online.

2018-05-16T00:00:00Z tag:monzo.com,2018-05-16:/blog/2018/05/16/gambling-self-exclusion

We're working on a feature that lets people block transactions to gambling sites, directly from the Monzo app.

2018-05-15T00:00:00Z tag:monzo.com,2018-05-15:/blog/2018/05/15/meet-vulnerable-customers-team

A recently-formed team of four, the Vulnerable Customers Team are dedicated to making sure Monzo understands and considers the needs of all our customers, especially those that are most likely to have problems with their money.

2018-05-11T00:00:00Z tag:monzo.com,2018-05-11:/blog/2018/05/11/coin-jar-update

In just a couple of months, here's how you've been using Coin Jar, and how much you've saved so far

2018-05-09T00:00:00Z tag:monzo.com,2018-05-09:/blog/2018/05/09/new-categories

We've added two new categories, Family and Personal Care. And we've also renamed Cash to Finances.

2018-05-09T00:00:00Z tag:monzo.com,2018-05-09:/blog/2018/05/09/sneak-peeks

A new way to stay in the loop with what we're working on, from within the Monzo app!

2018-05-04T00:00:00Z tag:monzo.com,2018-05-04:/blog/2018/05/04/may-update

From giving everyone the option to switch to Monzo, to adding a few new categories for your spending, we take a look at the progress we've made in April, and explain what's in store for May.

2018-04-30T00:00:00Z tag:monzo.com,2018-04-30:/blog/2018/04/30/switching-bank-accounts-overdraft

Yes! Having an overdraft at your old bank doesn't stop you from switching accounts through the Current Account Switch Service. But some banks won't give you the same overdraft with your new account.

2018-04-27T00:00:00Z tag:monzo.com,2018-04-27:/blog/2018/04/27/introducing-monzo-labs

Our community is at the core of everything we do. And as we grow we want to make sure more and more of you can be part of it!

2018-04-25T00:00:00Z tag:monzo.com,2018-04-25:/blog/2018/04/25/switch-to-monzo

You can now move your payments over to Monzo in just a few taps!

2018-04-18T00:00:00Z tag:monzo.com,2018-04-18:/blog/2018/04/18/payment-reactions

When someone on Monzo sends you money, you can now react with an emoji!

2018-04-12T00:00:00Z tag:monzo.com,2018-04-12:/blog/2018/04/12/transaction-tags

You can now add tags to your transactions, to help you sort and search the things you buy with Monzo.

2018-04-09T00:00:00Z tag:monzo.com,2018-04-09:/blog/2018/04/09/making-overdrafts-available

We've begun giving more of you the option to use an overdraft. Here's everything you need to know about how they work and how to get one.

2018-04-05T00:00:00Z tag:monzo.com,2018-04-05:/blog/2018/04/05/april-update

From reaching half a million current accounts, to making more overdrafts available, we take a look at the progress we've made in March, and explain what's in store for April.

2018-04-05T00:00:00Z tag:monzo.com,2018-04-05:/blog/2018/04/05/how-monzo-to-monzo-payments-work

Backend Engineer James Routley explains the technical work we do to help you send payments to your contacts on Monzo.

2018-04-03T00:00:00Z tag:monzo.com,2018-04-03:/blog/2018/04/03/switch-to-monzo-current-account-switch-service

You can now help us test the Current Account Switch Service, and move your payments over to Monzo in just a few taps.

2018-03-22T00:00:00Z tag:monzo.com,2018-03-22:/blog/2018/03/22/diversity-and-inclusion

We're building a bank that works for everyone, and to do that we need a diverse team. Here's an update on our progress so far and our plans to improve.

2018-03-20T00:00:00Z tag:monzo.com,2018-03-20:/blog/2018/03/20/terms-and-conditions-monzo

Head of Legal and Compliance, Dean explains why we've made sure our terms and conditions are clear, concise, and easy to understand.

2018-03-19T00:00:00Z tag:monzo.com,2018-03-19:/blog/2018/03/19/500k-customers

Half a million people are now using Monzo through upgraded accounts here in the UK

2018-03-07T00:00:00Z tag:monzo.com,2018-03-07:/blog/2018/03/07/coin-jar

We've launched an early experiment, that lets you round purchases up to the nearest pound, and put the money aside in a pot.

2018-03-02T00:00:00Z tag:monzo.com,2018-03-02:/blog/2018/03/02/app-development

Product Manager Jami explains how we turn a sneak peek on the forum into something you can hold in your hands.

2018-02-28T00:00:00Z tag:monzo.com,2018-02-28:/blog/2018/02/28/march-update

From adding the Pulse to Android, to more work on major updates to the Spending tab, we take a look at the progress we've made in February, and explain what's in store for March.

2018-02-15T00:00:00Z tag:monzo.com,2018-02-15:/blog/2018/02/15/android-crowdsourcing-merchant-data

Android users can now help us tidy up the way transactions appear in everyone's apps, by sharing or correcting information we have about retailers.

2018-02-14T00:00:00Z tag:monzo.com,2018-02-14:/blog/2018/02/14/android-pulse

We've added the Pulse graph to Android, so you can see your spending at a glance.

2018-02-12T00:00:00Z tag:monzo.com,2018-02-12:/blog/2018/02/12/monzo-me

We've made Monzo.me available to everyone! You can now request money and pay other people with one super simple link.

2018-02-07T00:00:00Z tag:monzo.com,2018-02-07:/blog/2018/02/07/upgrade-overdrafts

We answer some of your most pressing questions and dispel common myths and misconceptions about upgrading your Monzo account.

2018-02-06T00:00:00Z tag:monzo.com,2018-02-06:/blog/2018/02/06/february-update

From our API and overdrafts to an exciting Android update, we take a look at last month's progress, and explain what's in store for February.

2018-02-02T00:00:00Z tag:monzo.com,2018-02-02:/blog/2018/02/02/user-research

User Research Lead Samantha explains how talking to our customers helps us make more informed design decisions.

2018-01-26T00:00:00Z tag:monzo.com,2018-01-26:/blog/2018/01/26/upgrade-credit-score

We answer some of your most pressing questions and dispel common myths and misconceptions about upgrading your Monzo account.

2018-01-25T00:00:00Z tag:monzo.com,2018-01-25:/blog/2018/01/25/bank-statements

In just a few taps, you'll be able to create a bank statement from within the Monzo app.

2017-12-18T00:00:00Z tag:monzo.com,2017-12-18:/blog/2017/12/18/why-upgrade

Good question! We break down the benefits of upgrading your Monzo account.

2017-12-12T00:00:00Z tag:monzo.com,2017-12-12:/blog/2017/12/12/meet-jordan

Product Manager Jordan explains what growth means for Monzo, and how he works with teams across the company to drive it.

2017-12-01T00:00:00Z tag:monzo.com,2017-12-01:/blog/2017/12/01/top-ups-are-back

As of today, you can top up your upgraded Monzo account from another debit card, or through Apple Pay and Android Pay

2017-11-29T00:00:00Z tag:monzo.com,2017-11-29:/blog/2017/11/29/very-robust-etcd

We know Monzo's platform must be extremely reliable, and etcd is one of our most critical components. We've gone to great lengths to make sure it can survive a range of failures.

2017-11-16T00:00:00Z tag:monzo.com,2017-11-16:/blog/2017/11/16/monzo-marketplace

Head of Partnerships Phil explains why the bank of the future will be a marketplace, and how we're going about building it.

2017-11-14T00:00:00Z tag:monzo.com,2017-11-14:/blog/2017/11/14/nfc-card-activation

You can now activate your new Monzo debit card just by tapping it on your Android device!

2017-10-30T00:00:00Z tag:monzo.com,2017-10-30:/blog/2017/10/30/monzo-to-monzo-payments

If you've already upgraded to the current account, you can now pay your contacts in just a few taps - emoji included!

2017-09-27T00:00:00Z tag:monzo.com,2017-09-27:/blog/2017/09/27/android-help-search

Powered by machine learning, the Android Help screen now allows you to search for answers quickly.

2017-09-25T00:00:00Z tag:monzo.com,2017-09-25:/blog/2017/09/25/android-progress-update

Kicking off a week of Android-related updates, product manager Jami brings us up to speed and explains what's in store for the next few months.

2017-09-04T00:00:00Z tag:monzo.com,2017-09-04:/blog/2017/09/04/meet-phil-hewinson-head-of-partnerships

My goal is to help achieve Monzo's vision of becoming the financial control centre for people's lives.

2017-09-01T00:00:00Z tag:monzo.com,2017-09-01:/blog/2017/09/01/open-office-august

What we learnt at this month's design-focused Open Office event.

2017-08-23T00:00:00Z tag:monzo.com,2017-08-23:/blog/2017/08/23/preview-distance-signup

We're ready to start posting debit cards out to your home, on both Android and iOS

2017-08-22T00:00:00Z tag:monzo.com,2017-08-22:/blog/2017/08/22/the-help-search-algorithm

The magic behind our machine learning powered help screen

2017-08-07T00:00:00Z tag:monzo.com,2017-08-07:/blog/2017/08/07/current-account-android

Today, we're extremely excited to announce that Android users can register their interest in the Preview and get involved!

2017-07-25T00:00:00Z tag:monzo.com,2017-07-25:/blog/2017/07/25/meet-will

I can remember the meal where I got fat.

2017-07-07T00:00:00Z tag:monzo.com,2017-07-07:/blog/2017/07/07/working-with-backend-services-on-ios

How we refactored our iOS app to work better with backend services.

2017-06-22T00:00:00Z tag:monzo.com,2017-06-22:/blog/2017/06/22/meet-gary

I'm very thankful that I still have some hair to let down!

2017-06-13T00:00:00Z tag:monzo.com,2017-06-13:/blog/2017/06/13/identity-verification-upgrade

Due to new European money laundering regulations, we need to carry out additional identity verification on some customers

2017-06-08T00:00:00Z tag:monzo.com,2017-06-08:/blog/2017/06/08/host-a-monzo-meetup

Amazing community experiences organised by you, supported by us.

2017-05-22T00:00:00Z tag:monzo.com,2017-05-22:/blog/2017/05/22/top-up-with-android-pay

Hot on the heels of launching Android Pay on Monzo.me, we've just released a new update to the Android app that lets you top up with Android Pay!

2017-05-17T00:00:00Z tag:monzo.com,2017-05-17:/blog/2017/05/17/meet-tapas

I once trialled at Charton Athletic Football Club. Then I fell in love with cheese; Cathedral City was her name and the dream vanished

2017-05-08T00:00:00Z tag:monzo.com,2017-05-08:/blog/2017/05/08/android-pay-on-monzome

From today, if you visit a Monzo.me page on a phone or tablet that has Android Pay, you'll be able to pay your friends and family even faster

2017-05-05T00:00:00Z tag:monzo.com,2017-05-05:/blog/2017/05/05/why-payments-are-declined

We break down the common causes of declined card payments.

2017-05-03T00:00:00Z tag:monzo.com,2017-05-03:/blog/2017/05/03/practical-machine-learning-for-startups

Monzo's Head of Data and Analytics walks through our recent advances in using machine learning to make predictions based on existing data.

2017-04-27T00:00:00Z tag:monzo.com,2017-04-27:/blog/2017/04/27/welcome-to-the-drawing-board

A launchpad for awesome community led events at Monzo HQ.

2017-04-11T00:00:00Z tag:monzo.com,2017-04-11:/blog/2017/04/11/search-on-android

Update your Monzo app — we've just released version 1.6 to the Google Play Store, featuring Search!

2017-04-06T00:00:00Z tag:monzo.com,2017-04-06:/blog/2017/04/06/meet-dan

Making tools for a delightful customer experience by day, and electronic bleepy noises by night!

2017-04-05T00:00:00Z tag:monzo.com,2017-04-05:/blog/2017/04/05/profile-pictures-update

You can now upload your profile picture to Monzo, so friends can instantly see who they're paying.

2017-03-31T00:00:00Z tag:monzo.com,2017-03-31:/blog/2017/03/31/budget-targets

See how Monzo has become an amazing tool for over 130,000 users to get greater insights into their spending.

2017-03-28T00:00:00Z tag:monzo.com,2017-03-28:/blog/2017/03/28/i-forgot-my-pin

Version 1.5.4 of the Android app is now in the Google Play Store, featuring 'I forgot my PIN' and monthly spending reports

2017-03-22T00:00:00Z tag:monzo.com,2017-03-22:/blog/2017/03/22/meet-venkat

Our globetrotting thespian with a passion for economics!

2017-03-09T00:00:00Z tag:monzo.com,2017-03-09:/blog/2017/03/09/diversity-and-inclusion

We believe diverse teams make better decisions. Here's an update on our diversity debt repayments.

2017-03-09T00:00:00Z tag:monzo.com,2017-03-09:/blog/2017/03/09/emma-profile

One third of the all star team making great things happen on Android!

2017-02-24T00:00:00Z tag:monzo.com,2017-02-24:/blog/2017/02/24/monzome-on-android

Get your own personal Monzo.me link and let anybody pay you using a debit card, Apple Pay or their existing Monzo account!

2017-02-22T00:00:00Z tag:monzo.com,2017-02-22:/blog/2017/02/22/josh-profile

The future pilot of Monzo Airlines...

2017-02-17T00:00:00Z tag:monzo.com,2017-02-17:/blog/2017/02/17/four-useful-services-your-bank-should-not-be-charging-for

Click to read more

2017-02-16T00:00:00Z tag:monzo.com,2017-02-16:/blog/2017/02/16/the-richest-man-in-babylon

We're building a resource on budgeting to help customers improve their money management - and we want your advice

2017-02-13T00:00:00Z tag:monzo.com,2017-02-13:/blog/2017/02/13/5-features-your-mobile-bank-account-should-have-by-now

Click to read more

2017-02-09T00:00:00Z tag:monzo.com,2017-02-09:/blog/2017/02/09/customer-support-quotables-short

A selection of our favourite customer support related interactions and responses…

2017-02-09T00:00:00Z tag:monzo.com,2017-02-09:/blog/2017/02/09/launching-settings-android

Version 1.4 of the Android app is now live

2017-02-08T00:00:00Z tag:monzo.com,2017-02-08:/blog/2017/02/08/meet-irina

It's like playing with LEGO all day!

2017-02-03T00:00:00Z tag:monzo.com,2017-02-03:/blog/2017/02/03/fighting-fraud-with-machine-learning

How we have prevented £400,000 of fraud over the last 6 months

2017-02-01T00:00:00Z tag:monzo.com,2017-02-01:/blog/2017/02/01/natasha-profile

Our glacier climbing, code crunching Fincrime expert...

2017-01-27T00:00:00Z tag:monzo.com,2017-01-27:/blog/2017/01/27/designing-product-mental-health-mind

How we're designing Monzo to be a powerful and unique financial service for our most vulnerable customers.

2017-01-26T00:00:00Z tag:monzo.com,2017-01-26:/blog/2017/01/26/our-new-community-page

Our new home for all things Community at Monzo!

2017-01-24T00:00:00Z tag:monzo.com,2017-01-24:/blog/2017/01/24/100000th-user

This year has been pretty exciting so far and today is no exception. We're proud to announce we've just reached 100,000 users!

2017-01-16T00:00:00Z tag:monzo.com,2017-01-16:/blog/2017/01/16/app-shortcuts-android

To kick off the New Year on Android, we've just released version 1.3.3 to the Play Store with app shortcut support!

2016-11-29T00:00:00Z tag:monzo.com,2016-11-29:/blog/2016/11/30/laying-the-foundation-for-a-data-team

At Monzo, we want to build the best bank account in the world. Today, more than ever before, data is central to creating wonderful customer experiences and efficient internal operations.

2016-11-14T00:00:00Z tag:monzo.com,2016-11-14:/blog/2016/11/14/spending-android

We've just pushed version 1.2.0 to the Play Store bringing Spending, as well as a variety of other improvements and bug fixes

2016-11-04T00:00:00Z tag:monzo.com,2016-11-04:/blog/2016/11/04/living-wage

To underscore our commitment to fair pay, we've become a Living Wage accredited employer

2016-10-26T00:00:00Z tag:monzo.com,2016-10-26:/blog/2016/10/26/card-replacement-android

Now you can order a new card instantly from within the Android app…

2016-10-19T00:00:00Z tag:monzo.com,2016-10-19:/blog/2016/10/19/target-practice

Getting to grips with one of our most commonly requested features

2016-09-29T00:00:00Z tag:monzo.com,2016-09-29:/blog/2016/09/29/android

Today, we're incredibly excited to announce the release of version 1 of the Monzo Android app!

2016-09-20T00:00:00Z tag:monzo.com,2016-09-20:/blog/2016/09/20/monzo-journals-philippines

The first of a new series on our blog, following the adventures of the well-travelled Monzo community...

2016-09-19T00:00:00Z tag:monzo.com,2016-09-19:/blog/2016/09/19/building-a-modern-bank-backend

This first post in a series about our platform explains how we're building systems to meet these demands using modern, open-source technology...

2016-09-12T00:00:00Z tag:monzo.com,2016-09-12:/blog/2016/09/12/1-6-3

A new Monzo update which brings the Limits page to iOS...

2016-09-07T00:00:00Z tag:monzo.com,2016-09-07:/blog/2016/09/07/our-approach-to-overdrafts

Our Deputy CEO, Paul Rippon, discusses how we plan to roll out overdrafts...

2016-08-26T00:00:00Z tag:monzo.com,2016-08-26:/blog/2016/08/26/how-we-picked-monzo

Now that ‘Monzo' is live, here's our chance to tell you the story from behind the scenes...

2016-08-15T00:00:00Z tag:monzo.com,2016-08-15:/blog/2016/08/15/launching-the-bank

Last week we received news from the Bank of England that we'd been granted authorisation to conduct banking activities…

2016-08-11T00:00:00Z tag:monzo.com,2016-08-11:/blog/2016/08/11/we-are-now-a-bank

Today, we're excited to announce that we have hit another milestone on our journey…

2016-08-08T00:00:00Z tag:monzo.com,2016-08-08:/blog/2016/08/08/updated-design

New day, new Mondo update! We've just pushed a new update to the iOS app with two big changes and a bunch of bug fixes…

2016-07-22T00:00:00Z tag:monzo.com,2016-07-22:/blog/2016/07/22/name-change-update-snapchat

It's been a few weeks since we last gave you an update on our name change project...

2016-07-18T00:00:00Z tag:monzo.com,2016-07-18:/blog/2016/07/18/touchid-profile-update

We've been hard at work on a new update to the Mondo iOS app, which we're releasing to the App Store today as version 1.5.3...

2016-06-13T00:00:00Z tag:monzo.com,2016-06-13:/blog/2016/06/13/1-5

We're very excited to release version 1.5 of the Mondo app on iOS which you can download now in the App Store...

2016-06-07T00:00:00Z tag:monzo.com,2016-06-07:/blog/2016/06/07/ethical-banking

We started Mondo because we believe there should be an alternative to the banking of the past...

2016-06-03T00:00:00Z tag:monzo.com,2016-06-03:/blog/2016/06/03/ask-us-anything-join-the-forum

Today we're taking the next step towards opening out our community forum. We're linking every post ...

2016-03-17T00:00:00Z tag:monzo.com,2016-03-17:/blog/2016/03/17/beta

136 days after we launched our Alpha preview, we're excited to announce the...

2016-03-10T00:00:00Z tag:monzo.com,2016-03-10:/blog/2016/03/10/meet-jonas

This week in Meet Mondo, I talk to Jonas Huckestein, Mondo's Chief Technology Officer and one of...

2016-01-20T00:00:00Z tag:monzo.com,2016-01-20:/blog/2016/01/20/how-do-bank-payments-work

After last month's post on card payments, we thought we'd follow-up with a post on...

2016-01-08T00:00:00Z tag:monzo.com,2016-01-08:/blog/2016/01/08/how-does-the-wholesale-foreign-exchange-market-work

In December we gave an overview of how foreign card payments work, and how...

2015-12-15T00:00:00Z tag:monzo.com,2015-12-15:/blog/2015/12/15/why-are-foreign-card-payments-such-a-mess

Making card payments abroad has always been a painful experience. For me, the first...

2015-12-02T00:00:00Z tag:monzo.com,2015-12-02:/blog/2015/12/02/3-second-sandwich

Mondo recently rolled out our Alpha program to 500 lucky testers. If you weren't...

2015-11-16T00:00:00Z tag:monzo.com,2015-11-16:/blog/2015/11/16/diversity-debt

Leah has been with Mondo since day one and currently runs the prepaid operations...

2015-10-30T00:00:00Z tag:monzo.com,2015-10-30:/blog/2015/10/30/we-are-ready

We are incredibly excited to announce the start of the Mondo Alpha Preview. We'll shortly be...

2015-10-01T00:00:00Z tag:monzo.com,2015-10-01:/blog/2015/10/01/the-first-mondo-hackathon

A few weeks ago we released the Mondo API, allowing people to...