https://monzo.com/blog An unofficial Monzo blog feed generated by Akash Goswami (https://akashgoswami.dev) Mon, 01 Sep 2025 01:30:49 +0000 https://raw.githubusercontent.com/skyth3r/monzo-blog-feed/refs/heads/main/icon.svg https://monzo.com/blog https://monzo.com/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. Thu, 21 Aug 2025 00:00:00 +0000 https://monzo.com/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. Thu, 21 Aug 2025 00:00:00 +0000 https://monzo.com/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 Wed, 30 Jul 2025 00:00:00 +0000 https://monzo.com/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. Fri, 11 Jul 2025 00:00:00 +0000 https://monzo.com/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 ✨ Wed, 02 Jul 2025 00:00:00 +0000 https://monzo.com/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. Wed, 28 May 2025 00:00:00 +0000 https://monzo.com/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. Tue, 13 May 2025 00:00:00 +0000 https://monzo.com/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. Mon, 12 May 2025 00:00:00 +0000 https://monzo.com/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. Fri, 02 May 2025 00:00:00 +0000 https://monzo.com/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. Thu, 01 May 2025 00:00:00 +0000 https://monzo.com/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 Thu, 03 Apr 2025 00:00:00 +0000 https://monzo.com/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. Wed, 02 Apr 2025 00:00:00 +0000 https://monzo.com/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 Fri, 28 Mar 2025 00:00:00 +0000 https://monzo.com/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. Sun, 09 Mar 2025 00:00:00 +0000 https://monzo.com/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. Sat, 01 Mar 2025 00:00:00 +0000 https://monzo.com/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. Wed, 19 Feb 2025 00:00:00 +0000 https://monzo.com/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. Fri, 14 Feb 2025 00:00:00 +0000 https://monzo.com/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 Thu, 13 Feb 2025 00:00:00 +0000 https://monzo.com/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. Thu, 06 Feb 2025 00:00:00 +0000 https://monzo.com/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%. Tue, 04 Feb 2025 00:00:00 +0000 https://monzo.com/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. Wed, 29 Jan 2025 00:00:00 +0000 https://monzo.com/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. Fri, 24 Jan 2025 00:00:00 +0000 https://monzo.com/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. Thu, 16 Jan 2025 00:00:00 +0000 https://monzo.com/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! Mon, 06 Jan 2025 00:00:00 +0000 https://monzo.com/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. Wed, 18 Dec 2024 00:00:00 +0000 https://monzo.com/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. Tue, 17 Dec 2024 00:00:00 +0000 https://monzo.com/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. Fri, 13 Dec 2024 00:00:00 +0000 https://monzo.com/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. Mon, 09 Dec 2024 00:00:00 +0000 https://monzo.com/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. Mon, 09 Dec 2024 00:00:00 +0000 https://monzo.com/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. Mon, 09 Dec 2024 00:00:00 +0000 https://monzo.com/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. Thu, 21 Nov 2024 00:00:00 +0000 https://monzo.com/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 Thu, 07 Nov 2024 00:00:00 +0000 https://monzo.com/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 Tue, 29 Oct 2024 00:00:00 +0000 https://monzo.com/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. Tue, 15 Oct 2024 00:00:00 +0000 https://monzo.com/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. Tue, 15 Oct 2024 00:00:00 +0000 https://monzo.com/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.” Mon, 30 Sep 2024 00:00:00 +0000 https://monzo.com/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 Wed, 18 Sep 2024 00:00:00 +0000 https://monzo.com/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 🎉 Mon, 16 Sep 2024 00:00:00 +0000 https://monzo.com/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% Wed, 04 Sep 2024 00:00:00 +0000 https://monzo.com/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. Tue, 03 Sep 2024 00:00:00 +0000 https://monzo.com/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. Mon, 26 Aug 2024 00:00:00 +0000 https://monzo.com/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 Wed, 31 Jul 2024 00:00:00 +0000 https://monzo.com/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. Tue, 30 Jul 2024 00:00:00 +0000 https://monzo.com/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 Sun, 28 Jul 2024 00:00:00 +0000 https://monzo.com/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. Wed, 24 Jul 2024 00:00:00 +0000 https://monzo.com/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. Tue, 23 Jul 2024 00:00:00 +0000 https://monzo.com/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. Mon, 22 Jul 2024 00:00:00 +0000 https://monzo.com/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. Fri, 19 Jul 2024 00:00:00 +0000 https://monzo.com/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. Thu, 11 Jul 2024 00:00:00 +0000 https://monzo.com/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. Wed, 03 Jul 2024 00:00:00 +0000 https://monzo.com/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. Thu, 20 Jun 2024 00:00:00 +0000 https://monzo.com/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 🚀 Wed, 29 May 2024 00:00:00 +0000 https://monzo.com/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. Tue, 28 May 2024 00:00:00 +0000 https://monzo.com/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. Tue, 21 May 2024 00:00:00 +0000 https://monzo.com/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. Fri, 26 Apr 2024 00:00:00 +0000 https://monzo.com/blog/make-monzo-more-you Introducing Extra, Perks and Max - 3 brand new ways to upgrade based on what's important to you. Tue, 23 Apr 2024 00:00:00 +0000 https://monzo.com/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. Tue, 09 Apr 2024 00:00:00 +0000 https://monzo.com/blog/corporate-owned-businesses If your Limited Company has investment from other companies, you are now welcome to apply for a Monzo Business account! Wed, 27 Mar 2024 00:00:00 +0000 https://monzo.com/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. Fri, 15 Mar 2024 00:00:00 +0000 https://monzo.com/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. Fri, 08 Mar 2024 00:00:00 +0000 https://monzo.com/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.  Mon, 04 Mar 2024 00:00:00 +0000 https://monzo.com/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. Fri, 01 Mar 2024 00:00:00 +0000 https://monzo.com/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! Thu, 22 Feb 2024 00:00:00 +0000 https://monzo.com/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. Tue, 20 Feb 2024 00:00:00 +0000 https://monzo.com/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. Mon, 19 Feb 2024 00:00:00 +0000 https://monzo.com/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. Thu, 15 Feb 2024 00:00:00 +0000 https://monzo.com/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%. Wed, 31 Jan 2024 00:00:00 +0000 https://monzo.com/blog/receive-international-payments Receive money from around the world. 40+ currencies converted to pounds, ready to spend. Tue, 30 Jan 2024 00:00:00 +0000 https://monzo.com/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 Thu, 25 Jan 2024 00:00:00 +0000 https://monzo.com/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.  Wed, 10 Jan 2024 00:00:00 +0000 https://monzo.com/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. Fri, 22 Dec 2023 00:00:00 +0000 https://monzo.com/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. Wed, 20 Dec 2023 00:00:00 +0000 https://monzo.com/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. Tue, 19 Dec 2023 00:00:00 +0000 https://monzo.com/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. Fri, 15 Dec 2023 00:00:00 +0000 https://monzo.com/blog/thank-you-jonas-templestein After nine years, our co-founder Jonas is leaving Monzo ❤️ Fri, 01 Dec 2023 00:00:00 +0000 https://monzo.com/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. Mon, 27 Nov 2023 00:00:00 +0000 https://monzo.com/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. Sun, 26 Nov 2023 00:00:00 +0000 https://monzo.com/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. Fri, 24 Nov 2023 00:00:00 +0000 https://monzo.com/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. Mon, 06 Nov 2023 00:00:00 +0000 https://monzo.com/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. Wed, 01 Nov 2023 00:00:00 +0000 https://monzo.com/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. Tue, 31 Oct 2023 00:00:00 +0000 https://monzo.com/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. Mon, 23 Oct 2023 00:00:00 +0000 https://monzo.com/blog/protect-money-boundaries-maintain-social-life Here's how to reach your money goals while maintaining a buzzing social life. Tue, 17 Oct 2023 00:00:00 +0000 https://monzo.com/blog/spending-money-to-celebrate-friends-single Stefanie, 29, is constantly spending money to celebrate her predominantly coupled-up friends. Sun, 15 Oct 2023 00:00:00 +0000 https://monzo.com/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. Thu, 12 Oct 2023 00:00:00 +0000 https://monzo.com/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. Thu, 21 Sep 2023 00:00:00 +0000 https://monzo.com/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.  Wed, 13 Sep 2023 00:00:00 +0000 https://monzo.com/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. Tue, 12 Sep 2023 00:00:00 +0000 https://monzo.com/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. Tue, 12 Sep 2023 00:00:00 +0000 https://monzo.com/blog/2023/09/12/how-do-i-know-if-investing-is-for-me Have you been wondering, should I invest? Tue, 12 Sep 2023 00:00:00 +0000 https://monzo.com/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. Tue, 12 Sep 2023 00:00:00 +0000 https://monzo.com/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 Tue, 12 Sep 2023 00:00:00 +0000 https://monzo.com/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. Wed, 06 Sep 2023 00:00:00 +0000 https://monzo.com/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 Thu, 31 Aug 2023 00:00:00 +0000 https://monzo.com/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. Wed, 30 Aug 2023 00:00:00 +0000 https://monzo.com/blog/relationship-money-income-gap Evelyn, 34, shares her experience of being the breadwinner in her relationship. Wed, 30 Aug 2023 00:00:00 +0000 https://monzo.com/blog/emotional-spending-tips Here are 5 signs of emotional spending and 5 ways to put yourself back in control of your money. Tue, 29 Aug 2023 00:00:00 +0000 https://monzo.com/blog/emotional-spending-debt Ellen, 32, got into debt by spending money on luxury holidays during a tough time. Mon, 28 Aug 2023 00:00:00 +0000 https://monzo.com/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. Thu, 10 Aug 2023 00:00:00 +0000 https://monzo.com/blog/budgeting-tips-wedding-season Here's how to make sure your own financial goals don't go to pot during wedding season. Wed, 09 Aug 2023 00:00:00 +0000 https://monzo.com/blog/budgeting-saving-wedding-guest For serial wedding guest Rob, 27, it's become tricky to prioritise his own savings goals. Tue, 08 Aug 2023 00:00:00 +0000 https://monzo.com/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! Thu, 03 Aug 2023 00:00:00 +0000 https://monzo.com/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. Mon, 31 Jul 2023 00:00:00 +0000 https://monzo.com/blog/travel-scams-protect-yourself Be mindful of these travel scams that could turn your dream holiday into a nightmare. Mon, 31 Jul 2023 00:00:00 +0000 https://monzo.com/blog/friendship-money-wealth-gap-tips Financial differences can test even the closest friendships. Here are 5 tips to handle them. Wed, 26 Jul 2023 00:00:00 +0000 https://monzo.com/blog/friendship-money-wealth-income-gap Maintaining friendships across different financial circumstances can be tough, whether you earn less or more than your friends. Mon, 24 Jul 2023 00:00:00 +0000 https://monzo.com/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. Tue, 18 Jul 2023 00:00:00 +0000 https://monzo.com/blog/festival-money-saving-tips Festival season isn't cheap, but there are clever ways to cut down your expenses. Sun, 16 Jul 2023 00:00:00 +0000 https://monzo.com/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. Wed, 12 Jul 2023 00:00:00 +0000 https://monzo.com/blog/save-money-festivals-pots Leo, 29, uses Pots to give himself financial flexibility at festivals. Here's how. Wed, 12 Jul 2023 00:00:00 +0000 https://monzo.com/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. Thu, 06 Jul 2023 00:00:00 +0000 https://monzo.com/blog/manage-money-group-holidays Ariana, 26, and her friends had a great holiday despite their contrasting approaches to money. Wed, 05 Jul 2023 00:00:00 +0000 https://monzo.com/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. Mon, 03 Jul 2023 00:00:00 +0000 https://monzo.com/blog/debt-budgeting-tips How Kitty, 23, an accountant from Eastbourne, budgeted her way out of debt in three months. Wed, 28 Jun 2023 00:00:00 +0000 https://monzo.com/blog/small-budget-wedding-planning-tips Lauren, 31, saved money on her big day by rethinking what a wedding ‘should' look like. Sun, 25 Jun 2023 00:00:00 +0000 https://monzo.com/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. Thu, 15 Jun 2023 00:00:00 +0000 https://monzo.com/blog/monzo-pots-save-money-healthy-eating Grace, 27, is getting healthy and saving money at the same time using Pots. Wed, 14 Jun 2023 00:00:00 +0000 https://monzo.com/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. Mon, 12 Jun 2023 00:00:00 +0000 https://monzo.com/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. Sun, 11 Jun 2023 00:00:00 +0000 https://monzo.com/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. Wed, 07 Jun 2023 00:00:00 +0000 https://monzo.com/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. Sun, 04 Jun 2023 00:00:00 +0000 https://monzo.com/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. Thu, 01 Jun 2023 00:00:00 +0000 https://monzo.com/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. Thu, 25 May 2023 00:00:00 +0000 https://monzo.com/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'. Tue, 23 May 2023 00:00:00 +0000 https://monzo.com/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. Thu, 18 May 2023 00:00:00 +0000 https://monzo.com/blog/how-to-save-for-summer If you'd like to increase your savings in time for summer without making huge sacrifices, read on. Mon, 15 May 2023 00:00:00 +0000 https://monzo.com/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. Fri, 12 May 2023 00:00:00 +0000 https://monzo.com/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.  Wed, 10 May 2023 00:00:00 +0000 https://monzo.com/blog/using-monzo-in-the-uk-after-holiday Make your positive money habits last longer than a holiday romance. Mon, 08 May 2023 00:00:00 +0000 https://monzo.com/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. Thu, 04 May 2023 00:00:00 +0000 https://monzo.com/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 Thu, 04 May 2023 00:00:00 +0000 https://monzo.com/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. Fri, 28 Apr 2023 00:00:00 +0000 https://monzo.com/blog/2023/04/28/payday-tips-while-treating-yourself Don't forget to factor in treats and enjoyment when managing your money after payday. Thu, 27 Apr 2023 00:00:00 +0000 https://monzo.com/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. Wed, 26 Apr 2023 00:00:00 +0000 https://monzo.com/blog/monzo-pots-for-pets-cats Cat-lover Gemma, 31, uses Pots to make sure Marmite and Twiglet live their best lives. Tue, 25 Apr 2023 00:00:00 +0000 https://monzo.com/blog/managing-money-with-pets We all want to be able to give our pets the lives they deserve. Tue, 18 Apr 2023 00:00:00 +0000 https://monzo.com/blog/2023/04/13/business-instant-access-savings-are-here Introducing our all-new business Instant Access Savings Pot, grow your spare funds. Thu, 13 Apr 2023 00:00:00 +0000 https://monzo.com/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. Wed, 29 Mar 2023 00:00:00 +0000 https://monzo.com/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 Tue, 28 Mar 2023 00:00:00 +0000 https://monzo.com/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. Thu, 23 Mar 2023 00:00:00 +0000 https://monzo.com/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. Thu, 23 Mar 2023 00:00:00 +0000 https://monzo.com/blog/2019/12/23/how-well-contact-you Keeping your money safe and protecting you from fraud is our priority. Wed, 22 Mar 2023 00:00:00 +0000 https://monzo.com/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! Mon, 20 Mar 2023 00:00:00 +0000 https://monzo.com/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. Fri, 17 Mar 2023 00:00:00 +0000 https://monzo.com/blog/what-is-deinfluencing-tiktok-save-money Four people reveal how TikTok's de-influencing trend is impacting their shopping habits. Thu, 16 Mar 2023 00:00:00 +0000 https://monzo.com/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. Fri, 10 Mar 2023 00:00:00 +0000 https://monzo.com/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. Thu, 02 Mar 2023 00:00:00 +0000 https://monzo.com/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. Thu, 02 Mar 2023 00:00:00 +0000 https://monzo.com/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. Wed, 01 Mar 2023 00:00:00 +0000 https://monzo.com/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. Fri, 24 Feb 2023 00:00:00 +0000 https://monzo.com/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. Wed, 22 Feb 2023 00:00:00 +0000 https://monzo.com/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. Wed, 22 Feb 2023 00:00:00 +0000 https://monzo.com/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. Tue, 21 Feb 2023 00:00:00 +0000 https://monzo.com/blog/instant-access-savings-are-here Introducing: our all-new Instant Access Savings Pot. Thu, 16 Feb 2023 00:00:00 +0000 https://monzo.com/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. Wed, 15 Feb 2023 00:00:00 +0000 https://monzo.com/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. Tue, 14 Feb 2023 00:00:00 +0000 https://monzo.com/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. Thu, 02 Feb 2023 00:00:00 +0000 https://monzo.com/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. Tue, 31 Jan 2023 00:00:00 +0000 https://monzo.com/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! Tue, 31 Jan 2023 00:00:00 +0000 https://monzo.com/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. Fri, 27 Jan 2023 00:00:00 +0000 https://monzo.com/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. Wed, 25 Jan 2023 00:00:00 +0000 https://monzo.com/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. Wed, 18 Jan 2023 00:00:00 +0000 https://monzo.com/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. Thu, 12 Jan 2023 00:00:00 +0000 https://monzo.com/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. Tue, 10 Jan 2023 00:00:00 +0000 https://monzo.com/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. Mon, 09 Jan 2023 00:00:00 +0000 https://monzo.com/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. Mon, 09 Jan 2023 00:00:00 +0000 https://monzo.com/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. Mon, 09 Jan 2023 00:00:00 +0000 https://monzo.com/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. Mon, 09 Jan 2023 00:00:00 +0000 https://monzo.com/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. Wed, 28 Dec 2022 00:00:00 +0000 https://monzo.com/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 Mon, 19 Dec 2022 00:00:00 +0000 https://monzo.com/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. Thu, 15 Dec 2022 00:00:00 +0000 https://monzo.com/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. Thu, 15 Dec 2022 00:00:00 +0000 https://monzo.com/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. Tue, 13 Dec 2022 00:00:00 +0000 https://monzo.com/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. Tue, 06 Dec 2022 00:00:00 +0000 https://monzo.com/blog/2022/12/05how-to-balance-spending-and-saving Curb unnecessary spending and build a savings habit you can actually sustain. Mon, 05 Dec 2022 00:00:00 +0000 https://monzo.com/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. Sun, 04 Dec 2022 00:00:00 +0000 https://monzo.com/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. Sat, 03 Dec 2022 00:00:00 +0000 https://monzo.com/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. Fri, 02 Dec 2022 00:00:00 +0000 https://monzo.com/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. Wed, 30 Nov 2022 00:00:00 +0000 https://monzo.com/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. Mon, 28 Nov 2022 00:00:00 +0000 https://monzo.com/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 Fri, 25 Nov 2022 00:00:00 +0000 https://monzo.com/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! Fri, 18 Nov 2022 00:00:00 +0000 https://monzo.com/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. Thu, 10 Nov 2022 00:00:00 +0000 https://monzo.com/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. Tue, 08 Nov 2022 00:00:00 +0000 https://monzo.com/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. Tue, 08 Nov 2022 00:00:00 +0000 https://monzo.com/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. Tue, 08 Nov 2022 00:00:00 +0000 https://monzo.com/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 Mon, 07 Nov 2022 00:00:00 +0000 https://monzo.com/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. Fri, 04 Nov 2022 00:00:00 +0000 https://monzo.com/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. Mon, 24 Oct 2022 00:00:00 +0000 https://monzo.com/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. Mon, 24 Oct 2022 00:00:00 +0000 https://monzo.com/blog/weve-had-a-little-makeover Our visual branding has a fresh new look. It's more friendly, more human, more Monzo ❤️ Mon, 17 Oct 2022 00:00:00 +0000 https://monzo.com/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. Thu, 13 Oct 2022 00:00:00 +0000 https://monzo.com/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! Tue, 04 Oct 2022 00:00:00 +0000 https://monzo.com/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. Wed, 28 Sep 2022 00:00:00 +0000 https://monzo.com/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. Wed, 24 Aug 2022 00:00:00 +0000 https://monzo.com/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. Thu, 18 Aug 2022 00:00:00 +0000 https://monzo.com/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 Tue, 16 Aug 2022 00:00:00 +0000 https://monzo.com/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. Thu, 04 Aug 2022 00:00:00 +0000 https://monzo.com/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 Mon, 25 Jul 2022 00:00:00 +0000 https://monzo.com/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. Mon, 25 Jul 2022 00:00:00 +0000 https://monzo.com/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! Thu, 21 Jul 2022 00:00:00 +0000 https://monzo.com/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. Tue, 05 Jul 2022 00:00:00 +0000 https://monzo.com/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. Mon, 04 Jul 2022 00:00:00 +0000 https://monzo.com/blog/2022/06/30/were-launching-in-app-charity-donations You can now donate directly to charities from the Monzo app Thu, 30 Jun 2022 00:00:00 +0000 https://monzo.com/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. Mon, 27 Jun 2022 00:00:00 +0000 https://monzo.com/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. Thu, 23 Jun 2022 00:00:00 +0000 https://monzo.com/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 Wed, 22 Jun 2022 00:00:00 +0000 https://monzo.com/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 Tue, 21 Jun 2022 00:00:00 +0000 https://monzo.com/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. Tue, 21 Jun 2022 00:00:00 +0000 https://monzo.com/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. Tue, 14 Jun 2022 00:00:00 +0000 https://monzo.com/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. Wed, 25 May 2022 00:00:00 +0000 https://monzo.com/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. Wed, 25 May 2022 00:00:00 +0000 https://monzo.com/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. Mon, 23 May 2022 00:00:00 +0000 https://monzo.com/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. Tue, 17 May 2022 00:00:00 +0000 https://monzo.com/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. Sun, 15 May 2022 00:00:00 +0000 https://monzo.com/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! Thu, 12 May 2022 00:00:00 +0000 https://monzo.com/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. Thu, 05 May 2022 00:00:00 +0000 https://monzo.com/blog/2022/05/04/view-cvc-in-app Usually called the CVC, and found on the back of your card. Wed, 04 May 2022 00:00:00 +0000 https://monzo.com/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. Thu, 28 Apr 2022 00:00:00 +0000 https://monzo.com/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. Mon, 25 Apr 2022 00:00:00 +0000 https://monzo.com/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. Wed, 20 Apr 2022 00:00:00 +0000 https://monzo.com/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. Mon, 11 Apr 2022 00:00:00 +0000 https://monzo.com/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. Sun, 03 Apr 2022 00:00:00 +0000 https://monzo.com/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. Wed, 30 Mar 2022 00:00:00 +0000 https://monzo.com/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. Mon, 21 Mar 2022 00:00:00 +0000 https://monzo.com/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. Mon, 21 Mar 2022 00:00:00 +0000 https://monzo.com/blog/how-to-open-a-business-bank-account-with-just-your-phone Open a full bank account, straight from your phone, with Monzo Business. Wed, 16 Mar 2022 00:00:00 +0000 https://monzo.com/blog/2022/03/08/international-womens-day-2022 Career stories from the women at Monzo Tue, 08 Mar 2022 00:00:00 +0000 https://monzo.com/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 🧾 Wed, 02 Mar 2022 00:00:00 +0000 https://monzo.com/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. Thu, 24 Feb 2022 00:00:00 +0000 https://monzo.com/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. Wed, 23 Feb 2022 00:00:00 +0000 https://monzo.com/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. Fri, 18 Feb 2022 00:00:00 +0000 https://monzo.com/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. Wed, 16 Feb 2022 00:00:00 +0000 https://monzo.com/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. Tue, 15 Feb 2022 00:00:00 +0000 https://monzo.com/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. Tue, 08 Feb 2022 00:00:00 +0000 https://monzo.com/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. Fri, 04 Feb 2022 00:00:00 +0000 https://monzo.com/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. Fri, 28 Jan 2022 00:00:00 +0000 https://monzo.com/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! Fri, 21 Jan 2022 00:00:00 +0000 https://monzo.com/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. Wed, 19 Jan 2022 00:00:00 +0000 https://monzo.com/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. Wed, 19 Jan 2022 00:00:00 +0000 https://monzo.com/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. Wed, 19 Jan 2022 00:00:00 +0000 https://monzo.com/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? Wed, 19 Jan 2022 00:00:00 +0000 https://monzo.com/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. Mon, 17 Jan 2022 00:00:00 +0000 https://monzo.com/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. Wed, 12 Jan 2022 00:00:00 +0000 https://monzo.com/blog/2021/12/22/how-to-think-about-the-roi-of-data-work Next time someone asks about data ROI, show them this formula. Wed, 22 Dec 2021 00:00:00 +0000 https://monzo.com/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). Thu, 16 Dec 2021 00:00:00 +0000 https://monzo.com/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. Mon, 29 Nov 2021 00:00:00 +0000 https://monzo.com/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. Tue, 23 Nov 2021 00:00:00 +0000 https://monzo.com/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. Thu, 18 Nov 2021 00:00:00 +0000 https://monzo.com/blog/dont-get-monzo We'll play devil's advocate to help you decide. Tue, 16 Nov 2021 00:00:00 +0000 https://monzo.com/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. Wed, 03 Nov 2021 00:00:00 +0000 https://monzo.com/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. Tue, 02 Nov 2021 00:00:00 +0000 https://monzo.com/blog/2021/10/28/machine-learning-at-monzo-in-2021 A review of Monzo's machine learning team in 2021 Thu, 28 Oct 2021 00:00:00 +0000 https://monzo.com/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. Mon, 25 Oct 2021 00:00:00 +0000 https://monzo.com/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. Thu, 21 Oct 2021 00:00:00 +0000 https://monzo.com/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. Thu, 21 Oct 2021 00:00:00 +0000 https://monzo.com/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. Sun, 17 Oct 2021 00:00:00 +0000 https://monzo.com/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. Thu, 14 Oct 2021 00:00:00 +0000 https://monzo.com/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. Wed, 13 Oct 2021 00:00:00 +0000 https://monzo.com/blog/2021/10/12/getting-paid-with-monzo-business Getting paid should be simple - so we've made it easier than ever! Tue, 12 Oct 2021 00:00:00 +0000 https://monzo.com/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. Tue, 12 Oct 2021 00:00:00 +0000 https://monzo.com/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? Fri, 08 Oct 2021 00:00:00 +0000 https://monzo.com/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. Tue, 05 Oct 2021 00:00:00 +0000 https://monzo.com/blog/trends Discover your spending and saving patterns Tue, 05 Oct 2021 00:00:00 +0000 https://monzo.com/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. Sun, 03 Oct 2021 00:00:00 +0000 https://monzo.com/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. Thu, 30 Sep 2021 00:00:00 +0000 https://monzo.com/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. Thu, 30 Sep 2021 00:00:00 +0000 https://monzo.com/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. Wed, 29 Sep 2021 00:00:00 +0000 https://monzo.com/blog/pay-on-card-from-a-pot/ Pay from a Pot using a virtual card on Apple Pay or Google Pay. Tue, 21 Sep 2021 00:00:00 +0000 https://monzo.com/blog/2021/09/15/how-we-measure-software-excellence We're experimenting with ways to measure, track, and improve the quality of our software. Wed, 15 Sep 2021 00:00:00 +0000 https://monzo.com/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. Wed, 15 Sep 2021 00:00:00 +0000 https://monzo.com/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. Thu, 26 Aug 2021 00:00:00 +0000 https://monzo.com/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. Wed, 25 Aug 2021 00:00:00 +0000 https://monzo.com/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. Wed, 25 Aug 2021 00:00:00 +0000 https://monzo.com/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! Thu, 12 Aug 2021 00:00:00 +0000 https://monzo.com/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. Mon, 09 Aug 2021 00:00:00 +0000 https://monzo.com/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. Wed, 21 Jul 2021 00:00:00 +0000 https://monzo.com/blog/new-international-transfers/ It's typically lower cost and easier to make an international transfer with Monzo than with high street banks. Tue, 06 Jul 2021 00:00:00 +0000 https://monzo.com/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. Wed, 30 Jun 2021 00:00:00 +0000 https://monzo.com/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. Tue, 29 Jun 2021 00:00:00 +0000 https://monzo.com/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! Wed, 16 Jun 2021 00:00:00 +0000 https://monzo.com/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. Wed, 09 Jun 2021 00:00:00 +0000 https://monzo.com/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! Wed, 02 Jun 2021 00:00:00 +0000 https://monzo.com/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. Fri, 28 May 2021 00:00:00 +0000 https://monzo.com/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. Wed, 26 May 2021 00:00:00 +0000 https://monzo.com/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. Thu, 20 May 2021 00:00:00 +0000 https://monzo.com/blog/card-scams Everything you need to know about the most common card scams out there, and how to protect yourself. Thu, 13 May 2021 00:00:00 +0000 https://monzo.com/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 ✨ Wed, 12 May 2021 00:00:00 +0000 https://monzo.com/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. Wed, 12 May 2021 00:00:00 +0000 https://monzo.com/blog/good-start-new-tax-year Get into good habits from day one of the new tax year with these handy hints. Wed, 12 May 2021 00:00:00 +0000 https://monzo.com/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. Wed, 05 May 2021 00:00:00 +0000 https://monzo.com/blog/new-bill-split-reminder/ Just go to the transaction, and tap "send payment reminder". Tue, 04 May 2021 00:00:00 +0000 https://monzo.com/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. Mon, 26 Apr 2021 00:00:00 +0000 https://monzo.com/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. Thu, 22 Apr 2021 00:00:00 +0000 https://monzo.com/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. Tue, 20 Apr 2021 00:00:00 +0000 https://monzo.com/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. Wed, 31 Mar 2021 00:00:00 +0000 https://monzo.com/blog/2021/03/30/get-ready-for-the-road-with-rac A new special offer, exclusively for Monzo Plus & Premium customers. Tue, 30 Mar 2021 00:00:00 +0000 https://monzo.com/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. Wed, 24 Mar 2021 00:00:00 +0000 https://monzo.com/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? Wed, 24 Mar 2021 00:00:00 +0000 https://monzo.com/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. Tue, 23 Mar 2021 00:00:00 +0000 https://monzo.com/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. Tue, 23 Mar 2021 00:00:00 +0000 https://monzo.com/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. Tue, 23 Mar 2021 00:00:00 +0000 https://monzo.com/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. Mon, 22 Mar 2021 00:00:00 +0000 https://monzo.com/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. Mon, 22 Mar 2021 00:00:00 +0000 https://monzo.com/blog/what-if-im-stressed-about-debt There's help available if you're feeling weighed down by your money worries. Mon, 22 Mar 2021 00:00:00 +0000 https://monzo.com/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. Fri, 19 Mar 2021 00:00:00 +0000 https://monzo.com/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. Thu, 18 Mar 2021 00:00:00 +0000 https://monzo.com/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 🚀 Wed, 17 Mar 2021 00:00:00 +0000 https://monzo.com/blog/monzo-business-deborah We chatted to Deborah Igunma, founder of Peek, about how Monzo Business is helping her succeed! Mon, 15 Mar 2021 00:00:00 +0000 https://monzo.com/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. Thu, 11 Mar 2021 00:00:00 +0000 https://monzo.com/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. Fri, 05 Mar 2021 00:00:00 +0000 https://monzo.com/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. Thu, 04 Mar 2021 00:00:00 +0000 https://monzo.com/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. Thu, 18 Feb 2021 00:00:00 +0000 https://monzo.com/blog/support-gambling-self-exclusion Everyone should be able to access a gambling block - no matter who you bank with. Tue, 16 Feb 2021 00:00:00 +0000 https://monzo.com/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! Wed, 10 Feb 2021 00:00:00 +0000 https://monzo.com/blog/2021/02/09/borrowing-data-at-monzo We're hiring for the borrowing data team! Mon, 08 Feb 2021 00:00:00 +0000 https://monzo.com/blog/automated-billing-updater/ Update your card details with the online services you use, automatically when you replace your card. Fri, 05 Feb 2021 00:00:00 +0000 https://monzo.com/blog/2021/01/21/financial-education-spending-and-budgeting A new series lifting the lid on life's most misunderstood money matters. Thu, 21 Jan 2021 00:00:00 +0000 https://monzo.com/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! Wed, 13 Jan 2021 00:00:00 +0000 https://monzo.com/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! Tue, 05 Jan 2021 00:00:00 +0000 https://monzo.com/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. Fri, 18 Dec 2020 00:00:00 +0000 https://monzo.com/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. Tue, 15 Dec 2020 00:00:00 +0000 https://monzo.com/blog/1p-savings-challenge-2021 Start on the 1st of January by saving just 1p. Mon, 14 Dec 2020 00:00:00 +0000 https://monzo.com/blog/52-week-savings-challenge-2021 It starts by saving £1 on the 1st of January. Mon, 14 Dec 2020 00:00:00 +0000 https://monzo.com/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. Tue, 08 Dec 2020 00:00:00 +0000 https://monzo.com/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. Fri, 04 Dec 2020 00:00:00 +0000 https://monzo.com/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. Fri, 04 Dec 2020 00:00:00 +0000 https://monzo.com/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. Wed, 25 Nov 2020 00:00:00 +0000 https://monzo.com/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! Wed, 25 Nov 2020 00:00:00 +0000 https://monzo.com/blog/2020/11/24/big-guide-to-borrowing-and-debt A new series lifting the lid on life's most misunderstood money matters. Tue, 24 Nov 2020 00:00:00 +0000 https://monzo.com/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 💪 Wed, 11 Nov 2020 00:00:00 +0000 https://monzo.com/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. Wed, 11 Nov 2020 00:00:00 +0000 https://monzo.com/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. Wed, 11 Nov 2020 00:00:00 +0000 https://monzo.com/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. Fri, 06 Nov 2020 00:00:00 +0000 https://monzo.com/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. Fri, 30 Oct 2020 00:00:00 +0000 https://monzo.com/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. Tue, 27 Oct 2020 00:00:00 +0000 https://monzo.com/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. Thu, 22 Oct 2020 00:00:00 +0000 https://monzo.com/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. Tue, 20 Oct 2020 00:00:00 +0000 https://monzo.com/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. Tue, 20 Oct 2020 00:00:00 +0000 https://monzo.com/blog/2020/10/19/autoscaling-monzo How we've automated the process of scaling up our platform for our ever-growing userbase. Mon, 19 Oct 2020 00:00:00 +0000 https://monzo.com/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. Mon, 19 Oct 2020 00:00:00 +0000 https://monzo.com/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! Fri, 16 Oct 2020 00:00:00 +0000 https://monzo.com/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. Fri, 16 Oct 2020 00:00:00 +0000 https://monzo.com/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. Tue, 13 Oct 2020 00:00:00 +0000 https://monzo.com/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. Mon, 12 Oct 2020 00:00:00 +0000 https://monzo.com/blog/celebrating-black-history-month-2020 Our plans for celebrating Black culture and history both internally and externally this October. Thu, 01 Oct 2020 00:00:00 +0000 https://monzo.com/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 💚 Wed, 30 Sep 2020 00:00:00 +0000 https://monzo.com/blog/2020/09/24/amex-in-monzo-plus You asked and we delivered. You can now add Amex to Monzo, with Monzo Plus! Thu, 24 Sep 2020 00:00:00 +0000 https://monzo.com/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 ✅ Tue, 22 Sep 2020 00:00:00 +0000 https://monzo.com/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 ✅ Tue, 22 Sep 2020 00:00:00 +0000 https://monzo.com/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. Tue, 22 Sep 2020 00:00:00 +0000 https://monzo.com/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! ✅ Tue, 22 Sep 2020 00:00:00 +0000 https://monzo.com/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. Tue, 22 Sep 2020 00:00:00 +0000 https://monzo.com/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. 🏠 Fri, 18 Sep 2020 00:00:00 +0000 https://monzo.com/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 🎉 Thu, 17 Sep 2020 00:00:00 +0000 https://monzo.com/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.  Wed, 16 Sep 2020 00:00:00 +0000 https://monzo.com/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! Tue, 15 Sep 2020 00:00:00 +0000 https://monzo.com/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). Mon, 14 Sep 2020 00:00:00 +0000 https://monzo.com/blog/business-basics-social-media The Monzo marketing team share how to get started with using social media to promote your business. Fri, 21 Aug 2020 00:00:00 +0000 https://monzo.com/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. Thu, 16 Jul 2020 00:00:00 +0000 https://monzo.com/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. Thu, 16 Jul 2020 00:00:00 +0000 https://monzo.com/blog/how-to-check-if-a-websites-safe-before-you-shop-online Some things to look out for when you're shopping online. Thu, 16 Jul 2020 00:00:00 +0000 https://monzo.com/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. Thu, 16 Jul 2020 00:00:00 +0000 https://monzo.com/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. Wed, 15 Jul 2020 00:00:00 +0000 https://monzo.com/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. Sun, 12 Jul 2020 00:00:00 +0000 https://monzo.com/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! Mon, 06 Jul 2020 00:00:00 +0000 https://monzo.com/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. Mon, 29 Jun 2020 00:00:00 +0000 https://monzo.com/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. Fri, 26 Jun 2020 00:00:00 +0000 https://monzo.com/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. Mon, 22 Jun 2020 00:00:00 +0000 https://monzo.com/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. Mon, 01 Jun 2020 00:00:00 +0000 https://monzo.com/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!  Wed, 27 May 2020 00:00:00 +0000 https://monzo.com/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. Wed, 27 May 2020 00:00:00 +0000 https://monzo.com/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. Wed, 20 May 2020 00:00:00 +0000 https://monzo.com/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. Tue, 19 May 2020 00:00:00 +0000 https://monzo.com/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 👀 Tue, 19 May 2020 00:00:00 +0000 https://monzo.com/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. Tue, 19 May 2020 00:00:00 +0000 https://monzo.com/blog/3-practical-tips-to-reduce-daily-anxiety How to keep anxiety at bay, while life stays a bit strange. Sun, 17 May 2020 00:00:00 +0000 https://monzo.com/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. Sun, 17 May 2020 00:00:00 +0000 https://monzo.com/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. Wed, 13 May 2020 00:00:00 +0000 https://monzo.com/blog/11-reasons-to-get-monzo-business If you're considering Monzo for your business, this might just convince you. Tue, 12 May 2020 00:00:00 +0000 https://monzo.com/blog/how-weve-evolved-on-call-at-monzo We've built a humane on-call rotation, that engineers actually want to join! Sun, 10 May 2020 00:00:00 +0000 https://monzo.com/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. Thu, 07 May 2020 00:00:00 +0000 https://monzo.com/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. Wed, 06 May 2020 00:00:00 +0000 https://monzo.com/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. Wed, 06 May 2020 00:00:00 +0000 https://monzo.com/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. Mon, 04 May 2020 00:00:00 +0000 https://monzo.com/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. Fri, 01 May 2020 00:00:00 +0000 https://monzo.com/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. Fri, 01 May 2020 00:00:00 +0000 https://monzo.com/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. Thu, 30 Apr 2020 00:00:00 +0000 https://monzo.com/blog/pivot-your-business-online Moving your business online during the coronavirus outbreak can be a good way to keep trading during the lockdown. Wed, 29 Apr 2020 00:00:00 +0000 https://monzo.com/blog/behind-the-scenes-of-a-phishing-scam See how fraudsters run phishing scams, so you can learn to spot their tricks. Tue, 28 Apr 2020 00:00:00 +0000 https://monzo.com/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. Mon, 27 Apr 2020 00:00:00 +0000 https://monzo.com/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. Fri, 24 Apr 2020 00:00:00 +0000 https://monzo.com/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. Thu, 23 Apr 2020 00:00:00 +0000 https://monzo.com/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. Tue, 21 Apr 2020 00:00:00 +0000 https://monzo.com/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. Tue, 21 Apr 2020 00:00:00 +0000 https://monzo.com/blog/manage-your-business-finances-during-coronavirus We've outlined a few ways you can try keep your business finances secure during this time. Wed, 15 Apr 2020 00:00:00 +0000 https://monzo.com/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%. Tue, 14 Apr 2020 00:00:00 +0000 https://monzo.com/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. Thu, 09 Apr 2020 00:00:00 +0000 https://monzo.com/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. Thu, 09 Apr 2020 00:00:00 +0000 https://monzo.com/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. Thu, 09 Apr 2020 00:00:00 +0000 https://monzo.com/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! Wed, 08 Apr 2020 00:00:00 +0000 https://monzo.com/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. Tue, 07 Apr 2020 00:00:00 +0000 https://monzo.com/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. Sun, 05 Apr 2020 00:00:00 +0000 https://monzo.com/blog/2020/04/01/monzo-business-for-web-is-here Businesses can now access their account from their computer or laptop. Wed, 01 Apr 2020 00:00:00 +0000 https://monzo.com/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. Wed, 01 Apr 2020 00:00:00 +0000 https://monzo.com/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? Tue, 31 Mar 2020 00:00:00 +0000 https://monzo.com/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. Mon, 30 Mar 2020 00:00:00 +0000 https://monzo.com/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. Mon, 30 Mar 2020 00:00:00 +0000 https://monzo.com/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. Fri, 27 Mar 2020 00:00:00 +0000 https://monzo.com/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. Fri, 27 Mar 2020 00:00:00 +0000 https://monzo.com/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. Thu, 26 Mar 2020 00:00:00 +0000 https://monzo.com/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. Wed, 18 Mar 2020 00:00:00 +0000 https://monzo.com/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. Tue, 17 Mar 2020 00:00:00 +0000 https://monzo.com/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. Mon, 16 Mar 2020 00:00:00 +0000 https://monzo.com/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. Mon, 16 Mar 2020 00:00:00 +0000 https://monzo.com/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. Mon, 16 Mar 2020 00:00:00 +0000 https://monzo.com/blog/an-engineering-managers-guide-to-the-one-to-one Engineering Manager Jimi shares his approach to having productive catch-ups with his team. Thu, 12 Mar 2020 00:00:00 +0000 https://monzo.com/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. Wed, 11 Mar 2020 00:00:00 +0000 https://monzo.com/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. Tue, 10 Mar 2020 00:00:00 +0000 https://monzo.com/blog/2019/03/05/flybe-collapse What to do if you're affected by Flybe going into administration. Thu, 05 Mar 2020 00:00:00 +0000 https://monzo.com/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! Thu, 05 Mar 2020 00:00:00 +0000 https://monzo.com/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. Wed, 04 Mar 2020 00:00:00 +0000 https://monzo.com/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... Tue, 25 Feb 2020 00:00:00 +0000 https://monzo.com/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. Wed, 19 Feb 2020 00:00:00 +0000 https://monzo.com/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. Tue, 18 Feb 2020 00:00:00 +0000 https://monzo.com/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. 💪 Fri, 14 Feb 2020 00:00:00 +0000 https://monzo.com/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! Mon, 10 Feb 2020 00:00:00 +0000 https://monzo.com/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. Fri, 07 Feb 2020 00:00:00 +0000 https://monzo.com/blog/how-we-upgraded-3d-secure We've upgraded to the new version of 3D Secure. Backend engineer Arthur explains how we did it. Wed, 29 Jan 2020 00:00:00 +0000 https://monzo.com/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! Thu, 23 Jan 2020 00:00:00 +0000 https://monzo.com/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. Wed, 22 Jan 2020 00:00:00 +0000 https://monzo.com/blog/best-reactions-to-year-in-monzo We've collected the best reactions that show just how much you loved your Year in Monzo. Fri, 17 Jan 2020 00:00:00 +0000 https://monzo.com/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. Thu, 16 Jan 2020 00:00:00 +0000 https://monzo.com/blog/saving-tips-from-year-in-monzo Go out and buy yourself a cookbook immediately. Thu, 16 Jan 2020 00:00:00 +0000 https://monzo.com/blog/year-in-monzo-reactions Number 1: The North-South divide is wider than ever Wed, 15 Jan 2020 00:00:00 +0000 https://monzo.com/blog/year-in-monzo-tweets As if things weren't bad enough already Wed, 15 Jan 2020 00:00:00 +0000 https://monzo.com/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. 💰 Tue, 14 Jan 2020 00:00:00 +0000 https://monzo.com/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... Thu, 09 Jan 2020 00:00:00 +0000 https://monzo.com/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! Wed, 08 Jan 2020 00:00:00 +0000 https://monzo.com/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! Wed, 08 Jan 2020 00:00:00 +0000 https://monzo.com/blog/1p-savings-challenge-2020 Start on the 1st of January by saving just 1p. Wed, 01 Jan 2020 00:00:00 +0000 https://monzo.com/blog/2019/04/10/1p-savings-challenge-monzo It starts by saving just 1p, and you can do it automatically with Monzo. Wed, 01 Jan 2020 00:00:00 +0000 https://monzo.com/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...💰 Tue, 17 Dec 2019 00:00:00 +0000 https://monzo.com/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. Tue, 17 Dec 2019 00:00:00 +0000 https://monzo.com/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. Tue, 17 Dec 2019 00:00:00 +0000 https://monzo.com/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! Mon, 16 Dec 2019 00:00:00 +0000 https://monzo.com/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. Mon, 16 Dec 2019 00:00:00 +0000 https://monzo.com/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. Thu, 12 Dec 2019 00:00:00 +0000 https://monzo.com/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. Thu, 12 Dec 2019 00:00:00 +0000 https://monzo.com/blog/2019/12/11/monzo-main-bank-account We surveyed 4,000 people who've gone #FullMonzo. Here's what they said. Wed, 11 Dec 2019 00:00:00 +0000 https://monzo.com/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. Wed, 11 Dec 2019 00:00:00 +0000 https://monzo.com/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. Tue, 10 Dec 2019 00:00:00 +0000 https://monzo.com/blog/52-week-savings-challenge It starts by saving £1 on the 1st of January. Fri, 06 Dec 2019 00:00:00 +0000 https://monzo.com/blog/reverse-1p-savings-challenge-monzo Save £671.61 in 2020 with the Reverse 1p Saving Challenge! Fri, 06 Dec 2019 00:00:00 +0000 https://monzo.com/blog/spenders-guide-to-saving-money Always overspending? Here's how Monzo can help you save money. Fri, 06 Dec 2019 00:00:00 +0000 https://monzo.com/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! 💸 Thu, 05 Dec 2019 00:00:00 +0000 https://monzo.com/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! Thu, 05 Dec 2019 00:00:00 +0000 https://monzo.com/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. 🚗 Thu, 05 Dec 2019 00:00:00 +0000 https://monzo.com/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. Wed, 04 Dec 2019 00:00:00 +0000 https://monzo.com/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 💳 Mon, 02 Dec 2019 00:00:00 +0000 https://monzo.com/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. Fri, 29 Nov 2019 00:00:00 +0000 https://monzo.com/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. Thu, 28 Nov 2019 00:00:00 +0000 https://monzo.com/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. Thu, 28 Nov 2019 00:00:00 +0000 https://monzo.com/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. Wed, 27 Nov 2019 00:00:00 +0000 https://monzo.com/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? Mon, 25 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 25 Nov 2019 00:00:00 +0000 https://monzo.com/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. Wed, 20 Nov 2019 00:00:00 +0000 https://monzo.com/blog/2019/06/12/make-monzo-my-main-account 98% of people who use Monzo as their main account would recommend it. Wed, 20 Nov 2019 00:00:00 +0000 https://monzo.com/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. Tue, 19 Nov 2019 00:00:00 +0000 https://monzo.com/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. Tue, 19 Nov 2019 00:00:00 +0000 https://monzo.com/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! Mon, 18 Nov 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/17/how-to-save-money Financial self-education 💪 Mon, 18 Nov 2019 00:00:00 +0000 https://monzo.com/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... Fri, 15 Nov 2019 00:00:00 +0000 https://monzo.com/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 💰 Fri, 15 Nov 2019 00:00:00 +0000 https://monzo.com/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.  Thu, 14 Nov 2019 00:00:00 +0000 https://monzo.com/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! Thu, 14 Nov 2019 00:00:00 +0000 https://monzo.com/blog/8-things-we-learnt-at-the-futureofmonzo The #FutureOfMonzo was our biggest community event ever! Check out some of the key takeaways. Thu, 14 Nov 2019 00:00:00 +0000 https://monzo.com/blog/2019/11/13/save-money-when-you-tweet-using-monzo Put your tweeting to good use with this handy saving tip! Wed, 13 Nov 2019 00:00:00 +0000 https://monzo.com/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. Wed, 13 Nov 2019 00:00:00 +0000 https://monzo.com/blog/10-magical-monzo-features All the Monzo features that'll turn you into a money management mage ✨ Mon, 11 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Nov 2019 00:00:00 +0000 https://monzo.com/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. Thu, 07 Nov 2019 00:00:00 +0000 https://monzo.com/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. Wed, 06 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 04 Nov 2019 00:00:00 +0000 https://monzo.com/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. Mon, 04 Nov 2019 00:00:00 +0000 https://monzo.com/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. Thu, 31 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 31 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 31 Oct 2019 00:00:00 +0000 https://monzo.com/blog/2019/10/29/winter-savings-challenge Winter is here and we've created a Winter Savings Challenge for you to take on! Tue, 29 Oct 2019 00:00:00 +0000 https://monzo.com/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. Mon, 28 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 24 Oct 2019 00:00:00 +0000 https://monzo.com/blog/2019/10/24/9-monzo-features-and-why-you-need-them The definitive list of game-changing Monzo features. Thu, 24 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 24 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 24 Oct 2019 00:00:00 +0000 https://monzo.com/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. Wed, 23 Oct 2019 00:00:00 +0000 https://monzo.com/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.  Tue, 22 Oct 2019 00:00:00 +0000 https://monzo.com/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. Mon, 21 Oct 2019 00:00:00 +0000 https://monzo.com/blog/10-times-you-hated-monzo Sorry not sorry. Wed, 16 Oct 2019 00:00:00 +0000 https://monzo.com/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! 💰 Tue, 15 Oct 2019 00:00:00 +0000 https://monzo.com/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. Fri, 11 Oct 2019 00:00:00 +0000 https://monzo.com/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. Fri, 11 Oct 2019 00:00:00 +0000 https://monzo.com/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. Fri, 11 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 10 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 10 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 10 Oct 2019 00:00:00 +0000 https://monzo.com/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! Thu, 10 Oct 2019 00:00:00 +0000 https://monzo.com/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.  Wed, 09 Oct 2019 00:00:00 +0000 https://monzo.com/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! Fri, 04 Oct 2019 00:00:00 +0000 https://monzo.com/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. Thu, 03 Oct 2019 00:00:00 +0000 https://monzo.com/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. Wed, 02 Oct 2019 00:00:00 +0000 https://monzo.com/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. Tue, 01 Oct 2019 00:00:00 +0000 https://monzo.com/blog/2019/10/14/39-times-you-absolutely-hated-monzo Sorry not sorry. Tue, 01 Oct 2019 00:00:00 +0000 https://monzo.com/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. Mon, 30 Sep 2019 00:00:00 +0000 https://monzo.com/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. Thu, 26 Sep 2019 00:00:00 +0000 https://monzo.com/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. Mon, 23 Sep 2019 00:00:00 +0000 https://monzo.com/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! Fri, 20 Sep 2019 00:00:00 +0000 https://monzo.com/blog/2019/09/10/reasons-not-to-get-monzo Number 1: Hot Coral will become your entire life Tue, 10 Sep 2019 00:00:00 +0000 https://monzo.com/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. Tue, 10 Sep 2019 00:00:00 +0000 https://monzo.com/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). Thu, 05 Sep 2019 00:00:00 +0000 https://monzo.com/blog/2019/09/03/money-in-love-michael-and-dan “We feel more comfortable when we have control over our own finances” Tue, 03 Sep 2019 00:00:00 +0000 https://monzo.com/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. Fri, 30 Aug 2019 00:00:00 +0000 https://monzo.com/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! Thu, 29 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/30/is-monzo-a-debit-card Yes! Monzo is much more than just a spending card! Thu, 29 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/28/take-a-video-selfie-to-sign-up-for-monzo We use it to confirm that you're really you. Wed, 28 Aug 2019 00:00:00 +0000 https://monzo.com/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. Tue, 27 Aug 2019 00:00:00 +0000 https://monzo.com/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. Tue, 27 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/22/get-paid-early-twitter Some of you said bills, some of you said savings. A lot of you said drinks... Thu, 22 Aug 2019 00:00:00 +0000 https://monzo.com/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” Thu, 22 Aug 2019 00:00:00 +0000 https://monzo.com/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. Thu, 22 Aug 2019 00:00:00 +0000 https://monzo.com/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. Wed, 21 Aug 2019 00:00:00 +0000 https://monzo.com/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. Wed, 21 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/16/monzo-international-student Firstly, you can open a bank account before you even arrive! Fri, 16 Aug 2019 00:00:00 +0000 https://monzo.com/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. Wed, 14 Aug 2019 00:00:00 +0000 https://monzo.com/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. Tue, 13 Aug 2019 00:00:00 +0000 https://monzo.com/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. Fri, 09 Aug 2019 00:00:00 +0000 https://monzo.com/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! Thu, 08 Aug 2019 00:00:00 +0000 https://monzo.com/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! Thu, 08 Aug 2019 00:00:00 +0000 https://monzo.com/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. Thu, 01 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/01/meet-bekki We chatted to super-saver Bekki about how she's used Monzo on her saving journey. Thu, 01 Aug 2019 00:00:00 +0000 https://monzo.com/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! Thu, 01 Aug 2019 00:00:00 +0000 https://monzo.com/blog/2019/08/05/how-do-i-get-a-monzo-account Download the app to get started! Thu, 01 Aug 2019 00:00:00 +0000 https://monzo.com/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! Wed, 31 Jul 2019 00:00:00 +0000 https://monzo.com/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. Wed, 31 Jul 2019 00:00:00 +0000 https://monzo.com/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. Mon, 29 Jul 2019 00:00:00 +0000 https://monzo.com/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! Tue, 23 Jul 2019 00:00:00 +0000 https://monzo.com/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. Tue, 23 Jul 2019 00:00:00 +0000 https://monzo.com/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). Tue, 23 Jul 2019 00:00:00 +0000 https://monzo.com/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. Tue, 23 Jul 2019 00:00:00 +0000 https://monzo.com/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. Mon, 22 Jul 2019 00:00:00 +0000 https://monzo.com/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! Mon, 22 Jul 2019 00:00:00 +0000 https://monzo.com/blog/2019/07/18/investment-opportunity-scams An investment opportunity promising you amazing returns in days? It's probably a scam. Wed, 17 Jul 2019 00:00:00 +0000 https://monzo.com/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. Wed, 17 Jul 2019 00:00:00 +0000 https://monzo.com/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. Tue, 16 Jul 2019 00:00:00 +0000 https://monzo.com/blog/2019/07/10/the-evolution-of-monzo-chat As we grow, we want to make sure we can consistently deliver amazing customer service. Wed, 10 Jul 2019 00:00:00 +0000 https://monzo.com/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.  Tue, 09 Jul 2019 00:00:00 +0000 https://monzo.com/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. Mon, 08 Jul 2019 00:00:00 +0000 https://monzo.com/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! Mon, 08 Jul 2019 00:00:00 +0000 https://monzo.com/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. Thu, 04 Jul 2019 00:00:00 +0000 https://monzo.com/blog/2019/07/03/money-at-university One of the biggest challenges at university (alongside actual academic work) is managing your money. Wed, 03 Jul 2019 00:00:00 +0000 https://monzo.com/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. Wed, 03 Jul 2019 00:00:00 +0000 https://monzo.com/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. Mon, 01 Jul 2019 00:00:00 +0000 https://monzo.com/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. Thu, 27 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 26 Jun 2019 00:00:00 +0000 https://monzo.com/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! Sun, 23 Jun 2019 00:00:00 +0000 https://monzo.com/blog/2019/06/20/summer-savings-challenge Make the most of the Great British summer! Wed, 19 Jun 2019 00:00:00 +0000 https://monzo.com/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. Mon, 17 Jun 2019 00:00:00 +0000 https://monzo.com/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. Mon, 17 Jun 2019 00:00:00 +0000 https://monzo.com/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. Sun, 16 Jun 2019 00:00:00 +0000 https://monzo.com/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 🌞 Thu, 13 Jun 2019 00:00:00 +0000 https://monzo.com/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. Thu, 13 Jun 2019 00:00:00 +0000 https://monzo.com/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. Tue, 11 Jun 2019 00:00:00 +0000 https://monzo.com/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? Tue, 11 Jun 2019 00:00:00 +0000 https://monzo.com/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. Fri, 07 Jun 2019 00:00:00 +0000 https://monzo.com/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! Fri, 07 Jun 2019 00:00:00 +0000 https://monzo.com/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. Thu, 06 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 05 Jun 2019 00:00:00 +0000 https://monzo.com/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. Wed, 05 Jun 2019 00:00:00 +0000 https://monzo.com/blog/2019/06/04/reverse-1p-savings-challenge-monzo Do the 1p Saving Challenge backwards, so it gets easier over time! Tue, 04 Jun 2019 00:00:00 +0000 https://monzo.com/blog/2019/06/04/wedding-guests-debt From destination weddings to extravagant stag dos, the cost of attending a wedding is rising. Tue, 04 Jun 2019 00:00:00 +0000 https://monzo.com/blog/2019/06/03/ramadan-swear-pot Birmingham City student Inti tells us how she got on (and how much she saved!) Mon, 03 Jun 2019 00:00:00 +0000 https://monzo.com/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. Mon, 03 Jun 2019 00:00:00 +0000 https://monzo.com/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. Thu, 30 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/30/faster-payments-issue Some bank transfers aren't working. We're working on sorting it out asap. Thu, 30 May 2019 00:00:00 +0000 https://monzo.com/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. Thu, 30 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/28/fixing-notifications-on-android We encountered an interesting bug in our Android app notifications. Here's how we fixed it. Tue, 28 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/23/nudge-theory-and-money How to use the science of persuasion to help you get your financial life in order. Thu, 23 May 2019 00:00:00 +0000 https://monzo.com/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. Thu, 23 May 2019 00:00:00 +0000 https://monzo.com/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! Thu, 23 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 22 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 22 May 2019 00:00:00 +0000 https://monzo.com/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. Thu, 16 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/16/saving-money-going-vegetarian Eating less meat saved British people more than £2.8 billion last year. Thu, 16 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/15/gender-pay-gap We've published our gender pay gap for 2019. Wed, 15 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 15 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/15/national-numeracy-challenge This National Numeracy Day, put your skills to the test and get more confident with numbers. Wed, 15 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 15 May 2019 00:00:00 +0000 https://monzo.com/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. Mon, 13 May 2019 00:00:00 +0000 https://monzo.com/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. Fri, 10 May 2019 00:00:00 +0000 https://monzo.com/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. Thu, 09 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 08 May 2019 00:00:00 +0000 https://monzo.com/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. Tue, 07 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/03/writing-clear-terms-and-conditions How to write terms and conditions anyone can understand. Fri, 03 May 2019 00:00:00 +0000 https://monzo.com/blog/2019/05/02/shawbrook-savings-pots We're launching Flexible Savings Pots with Shawbrook to help you earn interest on your savings. Thu, 02 May 2019 00:00:00 +0000 https://monzo.com/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. Wed, 01 May 2019 00:00:00 +0000 https://monzo.com/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. Fri, 26 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 25 Apr 2019 00:00:00 +0000 https://monzo.com/blog/2019/04/24/common-money-mistakes Are you making these common mistakes without realising it? Wed, 24 Apr 2019 00:00:00 +0000 https://monzo.com/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. Wed, 24 Apr 2019 00:00:00 +0000 https://monzo.com/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. Tue, 23 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 18 Apr 2019 00:00:00 +0000 https://monzo.com/blog/2019/04/11/custom-pot-images-android And let's just say we love your work. Thu, 11 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 11 Apr 2019 00:00:00 +0000 https://monzo.com/blog/2019/04/11/monzo-features-you-need-to-know-about Are you getting the most out of Monzo? Thu, 11 Apr 2019 00:00:00 +0000 https://monzo.com/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. Wed, 10 Apr 2019 00:00:00 +0000 https://monzo.com/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. Tue, 09 Apr 2019 00:00:00 +0000 https://monzo.com/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. Tue, 09 Apr 2019 00:00:00 +0000 https://monzo.com/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. Fri, 05 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 04 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 04 Apr 2019 00:00:00 +0000 https://monzo.com/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. Thu, 04 Apr 2019 00:00:00 +0000 https://monzo.com/blog/2019/04/03/deploying-envoy-proxy We moved our remote procedure call (RPC) service mesh from Linkerd to Envoy to make Monzo faster. Wed, 03 Apr 2019 00:00:00 +0000 https://monzo.com/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. Mon, 01 Apr 2019 00:00:00 +0000 https://monzo.com/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. Fri, 29 Mar 2019 00:00:00 +0000 https://monzo.com/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. Thu, 28 Mar 2019 00:00:00 +0000 https://monzo.com/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. Fri, 22 Mar 2019 00:00:00 +0000 https://monzo.com/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. Thu, 21 Mar 2019 00:00:00 +0000 https://monzo.com/blog/2019/03/19/improving-our-staff-VPN OpenVPN is great, but there were some things we wanted to change. Tue, 19 Mar 2019 00:00:00 +0000 https://monzo.com/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. Mon, 18 Mar 2019 00:00:00 +0000 https://monzo.com/blog/2019/03/18/custom-pot-images We love your creativity. Mon, 18 Mar 2019 00:00:00 +0000 https://monzo.com/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! Fri, 15 Mar 2019 00:00:00 +0000 https://monzo.com/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. Thu, 14 Mar 2019 00:00:00 +0000 https://monzo.com/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. Wed, 13 Mar 2019 00:00:00 +0000 https://monzo.com/blog/2019/03/08/getting-a-pay-rise Are you being paid what you're worth? Fri, 08 Mar 2019 00:00:00 +0000 https://monzo.com/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. Wed, 06 Mar 2019 00:00:00 +0000 https://monzo.com/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! Wed, 06 Mar 2019 00:00:00 +0000 https://monzo.com/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. Mon, 04 Mar 2019 00:00:00 +0000 https://monzo.com/blog/2019/03/03/bad-with-money Think you're bad with money? No one's beyond help. Sun, 03 Mar 2019 00:00:00 +0000 https://monzo.com/blog/2019/02/28/money-in-nick-amy Through stories from real-life relationships, we're tackling the taboo around couples and their cash. Thu, 28 Feb 2019 00:00:00 +0000 https://monzo.com/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. Thu, 21 Feb 2019 00:00:00 +0000 https://monzo.com/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. Thu, 21 Feb 2019 00:00:00 +0000 https://monzo.com/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. Tue, 19 Feb 2019 00:00:00 +0000 https://monzo.com/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. Thu, 14 Feb 2019 00:00:00 +0000 https://monzo.com/blog/2019/02/14/saving-money-when-youre-broke Saving money can seem impossible when you're always broke. Thu, 14 Feb 2019 00:00:00 +0000 https://monzo.com/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! Wed, 13 Feb 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Feb 2019 00:00:00 +0000 https://monzo.com/blog/2019/02/11/business-banking-alpha We're launching a small test of business accounts to 100 sole traders and limited companies! Mon, 11 Feb 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Feb 2019 00:00:00 +0000 https://monzo.com/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. Mon, 11 Feb 2019 00:00:00 +0000 https://monzo.com/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. Thu, 07 Feb 2019 00:00:00 +0000 https://monzo.com/blog/2019/02/07/joint-account-switching Moving your joint account across just got a whole lot easier. Thu, 07 Feb 2019 00:00:00 +0000 https://monzo.com/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. Wed, 06 Feb 2019 00:00:00 +0000 https://monzo.com/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. Tue, 05 Feb 2019 00:00:00 +0000 https://monzo.com/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. Mon, 04 Feb 2019 00:00:00 +0000 https://monzo.com/blog/2019/02/04/pay-anyone-link Paying people just got easier. You can now pay anyone with just a link! Mon, 04 Feb 2019 00:00:00 +0000 https://monzo.com/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. Fri, 01 Feb 2019 00:00:00 +0000 https://monzo.com/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! Thu, 31 Jan 2019 00:00:00 +0000 https://monzo.com/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? Wed, 30 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/30/mental-health/ We're working to create a safe and supportive environment for everyone. Wed, 30 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/30/save-money-and-the-planet Can being more sustainable can actually save you cash? Wed, 30 Jan 2019 00:00:00 +0000 https://monzo.com/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. Tue, 29 Jan 2019 00:00:00 +0000 https://monzo.com/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. Tue, 22 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/22/how-to-save-money-on-train-travel Travelling by rail? Save your pennies and pounds with our clever money tips. Tue, 22 Jan 2019 00:00:00 +0000 https://monzo.com/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. Mon, 21 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/18/how-to-budget Make a daily, monthly or yearly budget to help you plan and reach your money goals. Fri, 18 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/17/monzo-product-designer-jobs What makes someone an amazing product designer? Thu, 17 Jan 2019 00:00:00 +0000 https://monzo.com/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. Wed, 16 Jan 2019 00:00:00 +0000 https://monzo.com/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. Wed, 16 Jan 2019 00:00:00 +0000 https://monzo.com/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. Tue, 15 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2019/01/14/crowdfunding-technology-backend-architecture We architected and built a scalable backend to support 36,000 investments. Mon, 14 Jan 2019 00:00:00 +0000 https://monzo.com/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. Wed, 09 Jan 2019 00:00:00 +0000 https://monzo.com/blog/2018/12/21/android-app-icons If you use Monzo on Android, you can now choose your own app icon! Fri, 21 Dec 2018 00:00:00 +0000 https://monzo.com/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. Thu, 20 Dec 2018 00:00:00 +0000 https://monzo.com/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. Thu, 20 Dec 2018 00:00:00 +0000 https://monzo.com/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. Tue, 18 Dec 2018 00:00:00 +0000 https://monzo.com/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. Mon, 17 Dec 2018 00:00:00 +0000 https://monzo.com/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. Fri, 14 Dec 2018 00:00:00 +0000 https://monzo.com/blog/2018/12/13/locked-pots To help you avoid dipping into your savings, you can lock your Pots until a date you choose. Thu, 13 Dec 2018 00:00:00 +0000 https://monzo.com/blog/2018/12/13/shared-tabs Settling up bills can be a pain. So we've created Shared Tabs to make it easier. Thu, 13 Dec 2018 00:00:00 +0000 https://monzo.com/blog/2018/12/13/throw-achristmas-party-on-a-budget Affordable festive food, drink and decoration ideas. Thu, 13 Dec 2018 00:00:00 +0000 https://monzo.com/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. Wed, 12 Dec 2018 00:00:00 +0000 https://monzo.com/blog/2018/12/11/christmas-gift Throughout December, we're giving £10 to every friend you invite! Tue, 11 Dec 2018 00:00:00 +0000 https://monzo.com/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. Tue, 11 Dec 2018 00:00:00 +0000 https://monzo.com/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! Tue, 11 Dec 2018 00:00:00 +0000 https://monzo.com/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. Tue, 11 Dec 2018 00:00:00 +0000 https://monzo.com/blog/2018/12/10/joint-pots You can now use Pots on joint accounts! Mon, 10 Dec 2018 00:00:00 +0000 https://monzo.com/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. Thu, 06 Dec 2018 00:00:00 +0000 https://monzo.com/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. Tue, 04 Dec 2018 00:00:00 +0000 https://monzo.com/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. Fri, 30 Nov 2018 00:00:00 +0000 https://monzo.com/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. Wed, 28 Nov 2018 00:00:00 +0000 https://monzo.com/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. Tue, 27 Nov 2018 00:00:00 +0000 https://monzo.com/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. Fri, 23 Nov 2018 00:00:00 +0000 https://monzo.com/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. Fri, 23 Nov 2018 00:00:00 +0000 https://monzo.com/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. Thu, 22 Nov 2018 00:00:00 +0000 https://monzo.com/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. Wed, 21 Nov 2018 00:00:00 +0000 https://monzo.com/blog/2018/11/20/flexible-budgeting We're updating Summary so you can budget in a way that works for you. Tue, 20 Nov 2018 00:00:00 +0000 https://monzo.com/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. Tue, 20 Nov 2018 00:00:00 +0000 https://monzo.com/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. Tue, 20 Nov 2018 00:00:00 +0000 https://monzo.com/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. Wed, 14 Nov 2018 00:00:00 +0000 https://monzo.com/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. Mon, 12 Nov 2018 00:00:00 +0000 https://monzo.com/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. Fri, 09 Nov 2018 00:00:00 +0000 https://monzo.com/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. Fri, 09 Nov 2018 00:00:00 +0000 https://monzo.com/blog/2018/11/07/making-monzo-roadmap Introducing some new ways to see what's coming next from Monzo. Wed, 07 Nov 2018 00:00:00 +0000 https://monzo.com/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. Mon, 05 Nov 2018 00:00:00 +0000 https://monzo.com/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. Fri, 02 Nov 2018 00:00:00 +0000 https://monzo.com/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! Thu, 01 Nov 2018 00:00:00 +0000 https://monzo.com/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. Tue, 30 Oct 2018 00:00:00 +0000 https://monzo.com/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. Thu, 25 Oct 2018 00:00:00 +0000 https://monzo.com/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. Wed, 24 Oct 2018 00:00:00 +0000 https://monzo.com/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! Thu, 18 Oct 2018 00:00:00 +0000 https://monzo.com/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. Tue, 16 Oct 2018 00:00:00 +0000 https://monzo.com/blog/2018/10/12/what-is-a-good-credit-score Wondering how high your credit score should be? The answer isn't that simple. Fri, 12 Oct 2018 00:00:00 +0000 https://monzo.com/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. Thu, 11 Oct 2018 00:00:00 +0000 https://monzo.com/blog/2018/10/09/bill-splitting Introducing a new way to split payments with your friends. Tue, 09 Oct 2018 00:00:00 +0000 https://monzo.com/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. Fri, 05 Oct 2018 00:00:00 +0000 https://monzo.com/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. Thu, 04 Oct 2018 00:00:00 +0000 https://monzo.com/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. Mon, 01 Oct 2018 00:00:00 +0000 https://monzo.com/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. Tue, 25 Sep 2018 00:00:00 +0000 https://monzo.com/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. Fri, 21 Sep 2018 00:00:00 +0000 https://monzo.com/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. Thu, 20 Sep 2018 00:00:00 +0000 https://monzo.com/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! Tue, 18 Sep 2018 00:00:00 +0000 https://monzo.com/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. Thu, 13 Sep 2018 00:00:00 +0000 https://monzo.com/blog/2018/09/10/renting-student-accommodation Our guide covers everything from choosing housemates to applying for a house. Mon, 10 Sep 2018 00:00:00 +0000 https://monzo.com/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. Fri, 07 Sep 2018 00:00:00 +0000 https://monzo.com/blog/2018/09/05/monzo-bank-statements You can download bank statements for any month from the Monzo app! Wed, 05 Sep 2018 00:00:00 +0000 https://monzo.com/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. Tue, 04 Sep 2018 00:00:00 +0000 https://monzo.com/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. Tue, 04 Sep 2018 00:00:00 +0000 https://monzo.com/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. Mon, 03 Sep 2018 00:00:00 +0000 https://monzo.com/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. Thu, 30 Aug 2018 00:00:00 +0000 https://monzo.com/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! Thu, 23 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 23 Aug 2018 00:00:00 +0000 https://monzo.com/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! Wed, 22 Aug 2018 00:00:00 +0000 https://monzo.com/blog/2018/08/22/launching-3d-secure We've built 3D Secure (the Monzo way!) so you can make online payments safely. Wed, 22 Aug 2018 00:00:00 +0000 https://monzo.com/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. Tue, 21 Aug 2018 00:00:00 +0000 https://monzo.com/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! Tue, 21 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 16 Aug 2018 00:00:00 +0000 https://monzo.com/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. Wed, 15 Aug 2018 00:00:00 +0000 https://monzo.com/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. Wed, 15 Aug 2018 00:00:00 +0000 https://monzo.com/blog/2018/08/14/launching-joint-accounts Introducing Monzo joint accounts! Pool your resources with someone to make life easier to manage. Tue, 14 Aug 2018 00:00:00 +0000 https://monzo.com/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. Tue, 14 Aug 2018 00:00:00 +0000 https://monzo.com/blog/2018/08/13/test-3d-secure We've built 3D Secure (the Monzo way!) and we'd love your help with testing. Mon, 13 Aug 2018 00:00:00 +0000 https://monzo.com/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. Fri, 10 Aug 2018 00:00:00 +0000 https://monzo.com/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. Fri, 10 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 09 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 09 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 09 Aug 2018 00:00:00 +0000 https://monzo.com/blog/2018/08/08/making-bills-easier-to-manage We've recently built some new features to make paying bills easier! Wed, 08 Aug 2018 00:00:00 +0000 https://monzo.com/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. Tue, 07 Aug 2018 00:00:00 +0000 https://monzo.com/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! Mon, 06 Aug 2018 00:00:00 +0000 https://monzo.com/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. Fri, 03 Aug 2018 00:00:00 +0000 https://monzo.com/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. Fri, 03 Aug 2018 00:00:00 +0000 https://monzo.com/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. Fri, 03 Aug 2018 00:00:00 +0000 https://monzo.com/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! Thu, 02 Aug 2018 00:00:00 +0000 https://monzo.com/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. Thu, 02 Aug 2018 00:00:00 +0000 https://monzo.com/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. Wed, 01 Aug 2018 00:00:00 +0000 https://monzo.com/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! 🇺🇸 Tue, 31 Jul 2018 00:00:00 +0000 https://monzo.com/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. Mon, 30 Jul 2018 00:00:00 +0000 https://monzo.com/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. Fri, 27 Jul 2018 00:00:00 +0000 https://monzo.com/blog/2018/07/24/receiving-international-payments 40+ currencies converted to pounds, ready to spend. Tue, 24 Jul 2018 00:00:00 +0000 https://monzo.com/blog/2018/07/24/what-is-sepa We explain what happens behind the scenes as your money moves around the world! Tue, 24 Jul 2018 00:00:00 +0000 https://monzo.com/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! Thu, 19 Jul 2018 00:00:00 +0000 https://monzo.com/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! Wed, 18 Jul 2018 00:00:00 +0000 https://monzo.com/blog/2018/07/16/schedule-payments-into-pots Start putting money aside regularly by scheduling payments into Pots. Mon, 16 Jul 2018 00:00:00 +0000 https://monzo.com/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. Fri, 06 Jul 2018 00:00:00 +0000 https://monzo.com/blog/2018/07/05/fingerprint-pay-android You can now pay other people using just your fingerprint, without needing your PIN. Thu, 05 Jul 2018 00:00:00 +0000 https://monzo.com/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. Thu, 05 Jul 2018 00:00:00 +0000 https://monzo.com/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. Thu, 05 Jul 2018 00:00:00 +0000 https://monzo.com/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. Wed, 04 Jul 2018 00:00:00 +0000 https://monzo.com/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! Tue, 03 Jul 2018 00:00:00 +0000 https://monzo.com/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. Tue, 03 Jul 2018 00:00:00 +0000 https://monzo.com/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. Fri, 29 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 28 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 28 Jun 2018 00:00:00 +0000 https://monzo.com/blog/2018/06/27/engineering-management-at-monzo Engineering manager Chris explains how we organise our teams and approach engineering management at Monzo. Wed, 27 Jun 2018 00:00:00 +0000 https://monzo.com/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! Tue, 26 Jun 2018 00:00:00 +0000 https://monzo.com/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! Mon, 25 Jun 2018 00:00:00 +0000 https://monzo.com/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. Mon, 25 Jun 2018 00:00:00 +0000 https://monzo.com/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. Fri, 22 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 21 Jun 2018 00:00:00 +0000 https://monzo.com/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. Tue, 19 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 14 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 14 Jun 2018 00:00:00 +0000 https://monzo.com/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. Wed, 13 Jun 2018 00:00:00 +0000 https://monzo.com/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. Mon, 11 Jun 2018 00:00:00 +0000 https://monzo.com/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. Fri, 08 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 07 Jun 2018 00:00:00 +0000 https://monzo.com/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. Thu, 07 Jun 2018 00:00:00 +0000 https://monzo.com/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. Mon, 04 Jun 2018 00:00:00 +0000 https://monzo.com/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. Wed, 30 May 2018 00:00:00 +0000 https://monzo.com/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. Tue, 29 May 2018 00:00:00 +0000 https://monzo.com/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. Tue, 29 May 2018 00:00:00 +0000 https://monzo.com/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. Fri, 25 May 2018 00:00:00 +0000 https://monzo.com/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! Fri, 25 May 2018 00:00:00 +0000 https://monzo.com/blog/2018/05/25/monzo-2-events-roundup/ This week we went to Liverpool and Cardiff to talk about what matters to Monzo. Fri, 25 May 2018 00:00:00 +0000 https://monzo.com/blog/2018/05/24/no-more-monzo-waiting-list There's no longer a waiting list to join Monzo! 🎉 Thu, 24 May 2018 00:00:00 +0000 https://monzo.com/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. Mon, 21 May 2018 00:00:00 +0000 https://monzo.com/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. Fri, 18 May 2018 00:00:00 +0000 https://monzo.com/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. Fri, 18 May 2018 00:00:00 +0000 https://monzo.com/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. Thu, 17 May 2018 00:00:00 +0000 https://monzo.com/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. Wed, 16 May 2018 00:00:00 +0000 https://monzo.com/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. Tue, 15 May 2018 00:00:00 +0000 https://monzo.com/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 Fri, 11 May 2018 00:00:00 +0000 https://monzo.com/blog/2018/05/09/new-categories We've added two new categories, Family and Personal Care. And we've also renamed Cash to Finances. Wed, 09 May 2018 00:00:00 +0000 https://monzo.com/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! Wed, 09 May 2018 00:00:00 +0000 https://monzo.com/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. Fri, 04 May 2018 00:00:00 +0000 https://monzo.com/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. Mon, 30 Apr 2018 00:00:00 +0000 https://monzo.com/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! Fri, 27 Apr 2018 00:00:00 +0000 https://monzo.com/blog/2018/04/25/switch-to-monzo You can now move your payments over to Monzo in just a few taps! Wed, 25 Apr 2018 00:00:00 +0000 https://monzo.com/blog/2018/04/18/payment-reactions When someone on Monzo sends you money, you can now react with an emoji! Wed, 18 Apr 2018 00:00:00 +0000 https://monzo.com/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. Thu, 12 Apr 2018 00:00:00 +0000 https://monzo.com/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. Mon, 09 Apr 2018 00:00:00 +0000 https://monzo.com/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. Thu, 05 Apr 2018 00:00:00 +0000 https://monzo.com/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. Thu, 05 Apr 2018 00:00:00 +0000 https://monzo.com/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. Tue, 03 Apr 2018 00:00:00 +0000 https://monzo.com/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. Thu, 22 Mar 2018 00:00:00 +0000 https://monzo.com/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. Tue, 20 Mar 2018 00:00:00 +0000 https://monzo.com/blog/2018/03/19/500k-customers Half a million people are now using Monzo through upgraded accounts here in the UK Mon, 19 Mar 2018 00:00:00 +0000 https://monzo.com/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. Wed, 07 Mar 2018 00:00:00 +0000 https://monzo.com/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. Fri, 02 Mar 2018 00:00:00 +0000 https://monzo.com/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. Wed, 28 Feb 2018 00:00:00 +0000 https://monzo.com/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. Thu, 15 Feb 2018 00:00:00 +0000 https://monzo.com/blog/2018/02/14/android-pulse We've added the Pulse graph to Android, so you can see your spending at a glance. Wed, 14 Feb 2018 00:00:00 +0000 https://monzo.com/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. Mon, 12 Feb 2018 00:00:00 +0000 https://monzo.com/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. Wed, 07 Feb 2018 00:00:00 +0000 https://monzo.com/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. Tue, 06 Feb 2018 00:00:00 +0000 https://monzo.com/blog/2018/02/02/user-research User Research Lead Samantha explains how talking to our customers helps us make more informed design decisions. Fri, 02 Feb 2018 00:00:00 +0000 https://monzo.com/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. Fri, 26 Jan 2018 00:00:00 +0000 https://monzo.com/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. Thu, 25 Jan 2018 00:00:00 +0000 https://monzo.com/blog/2017/12/18/why-upgrade Good question! We break down the benefits of upgrading your Monzo account. Mon, 18 Dec 2017 00:00:00 +0000 https://monzo.com/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. Tue, 12 Dec 2017 00:00:00 +0000 https://monzo.com/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 Fri, 01 Dec 2017 00:00:00 +0000 https://monzo.com/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. Wed, 29 Nov 2017 00:00:00 +0000 https://monzo.com/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. Thu, 16 Nov 2017 00:00:00 +0000 https://monzo.com/blog/2017/11/14/nfc-card-activation You can now activate your new Monzo debit card just by tapping it on your Android device! Tue, 14 Nov 2017 00:00:00 +0000 https://monzo.com/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! Mon, 30 Oct 2017 00:00:00 +0000 https://monzo.com/blog/2017/09/27/android-help-search Powered by machine learning, the Android Help screen now allows you to search for answers quickly. Wed, 27 Sep 2017 00:00:00 +0000 https://monzo.com/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. Mon, 25 Sep 2017 00:00:00 +0000 https://monzo.com/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. Mon, 04 Sep 2017 00:00:00 +0000 https://monzo.com/blog/2017/09/01/open-office-august What we learnt at this month's design-focused Open Office event. Fri, 01 Sep 2017 00:00:00 +0000 https://monzo.com/blog/2017/08/23/preview-distance-signup We're ready to start posting debit cards out to your home, on both Android and iOS Wed, 23 Aug 2017 00:00:00 +0000 https://monzo.com/blog/2017/08/22/the-help-search-algorithm The magic behind our machine learning powered help screen Tue, 22 Aug 2017 00:00:00 +0000 https://monzo.com/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! Mon, 07 Aug 2017 00:00:00 +0000 https://monzo.com/blog/2017/07/25/meet-will I can remember the meal where I got fat. Tue, 25 Jul 2017 00:00:00 +0000 https://monzo.com/blog/2017/07/07/working-with-backend-services-on-ios How we refactored our iOS app to work better with backend services. Fri, 07 Jul 2017 00:00:00 +0000 https://monzo.com/blog/2017/06/22/meet-gary I'm very thankful that I still have some hair to let down! Thu, 22 Jun 2017 00:00:00 +0000 https://monzo.com/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 Tue, 13 Jun 2017 00:00:00 +0000 https://monzo.com/blog/2017/06/08/host-a-monzo-meetup Amazing community experiences organised by you, supported by us. Thu, 08 Jun 2017 00:00:00 +0000 https://monzo.com/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! Mon, 22 May 2017 00:00:00 +0000 https://monzo.com/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 Wed, 17 May 2017 00:00:00 +0000 https://monzo.com/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 Mon, 08 May 2017 00:00:00 +0000 https://monzo.com/blog/2017/05/05/why-payments-are-declined We break down the common causes of declined card payments. Fri, 05 May 2017 00:00:00 +0000 https://monzo.com/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. Wed, 03 May 2017 00:00:00 +0000 https://monzo.com/blog/2017/04/27/welcome-to-the-drawing-board A launchpad for awesome community led events at Monzo HQ. Thu, 27 Apr 2017 00:00:00 +0000 https://monzo.com/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! Tue, 11 Apr 2017 00:00:00 +0000 https://monzo.com/blog/2017/04/06/meet-dan Making tools for a delightful customer experience by day, and electronic bleepy noises by night! Thu, 06 Apr 2017 00:00:00 +0000 https://monzo.com/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. Wed, 05 Apr 2017 00:00:00 +0000 https://monzo.com/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. Fri, 31 Mar 2017 00:00:00 +0000 https://monzo.com/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 Tue, 28 Mar 2017 00:00:00 +0000 https://monzo.com/blog/2017/03/22/meet-venkat Our globetrotting thespian with a passion for economics! Wed, 22 Mar 2017 00:00:00 +0000 https://monzo.com/blog/2017/03/09/diversity-and-inclusion We believe diverse teams make better decisions. Here's an update on our diversity debt repayments. Thu, 09 Mar 2017 00:00:00 +0000 https://monzo.com/blog/2017/03/09/emma-profile One third of the all star team making great things happen on Android! Thu, 09 Mar 2017 00:00:00 +0000 https://monzo.com/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! Fri, 24 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/22/josh-profile The future pilot of Monzo Airlines... Wed, 22 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/17/four-useful-services-your-bank-should-not-be-charging-for Click to read more Fri, 17 Feb 2017 00:00:00 +0000 https://monzo.com/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 Thu, 16 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/13/5-features-your-mobile-bank-account-should-have-by-now Click to read more Mon, 13 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/09/customer-support-quotables-short A selection of our favourite customer support related interactions and responses… Thu, 09 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/09/launching-settings-android Version 1.4 of the Android app is now live Thu, 09 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/08/meet-irina It's like playing with LEGO all day! Wed, 08 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/03/fighting-fraud-with-machine-learning How we have prevented £400,000 of fraud over the last 6 months Fri, 03 Feb 2017 00:00:00 +0000 https://monzo.com/blog/2017/02/01/natasha-profile Our glacier climbing, code crunching Fincrime expert... Wed, 01 Feb 2017 00:00:00 +0000 https://monzo.com/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. Fri, 27 Jan 2017 00:00:00 +0000 https://monzo.com/blog/2017/01/26/our-new-community-page Our new home for all things Community at Monzo! Thu, 26 Jan 2017 00:00:00 +0000 https://monzo.com/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! Tue, 24 Jan 2017 00:00:00 +0000 https://monzo.com/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! Mon, 16 Jan 2017 00:00:00 +0000 https://monzo.com/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. Tue, 29 Nov 2016 00:00:00 +0000 https://monzo.com/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 Mon, 14 Nov 2016 00:00:00 +0000 https://monzo.com/blog/2016/11/04/living-wage To underscore our commitment to fair pay, we've become a Living Wage accredited employer Fri, 04 Nov 2016 00:00:00 +0000 https://monzo.com/blog/2016/10/26/card-replacement-android Now you can order a new card instantly from within the Android app… Wed, 26 Oct 2016 00:00:00 +0000 https://monzo.com/blog/2016/10/19/target-practice Getting to grips with one of our most commonly requested features Wed, 19 Oct 2016 00:00:00 +0000 https://monzo.com/blog/2016/09/29/android Today, we're incredibly excited to announce the release of version 1 of the Monzo Android app! Thu, 29 Sep 2016 00:00:00 +0000 https://monzo.com/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... Tue, 20 Sep 2016 00:00:00 +0000 https://monzo.com/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... Mon, 19 Sep 2016 00:00:00 +0000 https://monzo.com/blog/2016/09/12/1-6-3 A new Monzo update which brings the Limits page to iOS... Mon, 12 Sep 2016 00:00:00 +0000 https://monzo.com/blog/2016/09/07/our-approach-to-overdrafts Our Deputy CEO, Paul Rippon, discusses how we plan to roll out overdrafts... Wed, 07 Sep 2016 00:00:00 +0000 https://monzo.com/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... Fri, 26 Aug 2016 00:00:00 +0000 https://monzo.com/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… Mon, 15 Aug 2016 00:00:00 +0000 https://monzo.com/blog/2016/08/11/we-are-now-a-bank Today, we're excited to announce that we have hit another milestone on our journey… Thu, 11 Aug 2016 00:00:00 +0000 https://monzo.com/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… Mon, 08 Aug 2016 00:00:00 +0000 https://monzo.com/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... Fri, 22 Jul 2016 00:00:00 +0000 https://monzo.com/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... Mon, 18 Jul 2016 00:00:00 +0000 https://monzo.com/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... Mon, 13 Jun 2016 00:00:00 +0000 https://monzo.com/blog/2016/06/07/ethical-banking We started Mondo because we believe there should be an alternative to the banking of the past... Tue, 07 Jun 2016 00:00:00 +0000 https://monzo.com/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 ... Fri, 03 Jun 2016 00:00:00 +0000 https://monzo.com/blog/2016/03/17/beta 136 days after we launched our Alpha preview, we're excited to announce the... Thu, 17 Mar 2016 00:00:00 +0000 https://monzo.com/blog/2016/03/10/meet-jonas This week in Meet Mondo, I talk to Jonas Huckestein, Mondo's Chief Technology Officer and one of... Thu, 10 Mar 2016 00:00:00 +0000 https://monzo.com/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... Wed, 20 Jan 2016 00:00:00 +0000 https://monzo.com/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... Fri, 08 Jan 2016 00:00:00 +0000 https://monzo.com/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... Tue, 15 Dec 2015 00:00:00 +0000 https://monzo.com/blog/2015/12/02/3-second-sandwich Mondo recently rolled out our Alpha program to 500 lucky testers. If you weren't... Wed, 02 Dec 2015 00:00:00 +0000 https://monzo.com/blog/2015/11/16/diversity-debt Leah has been with Mondo since day one and currently runs the prepaid operations... Mon, 16 Nov 2015 00:00:00 +0000 https://monzo.com/blog/2015/10/30/we-are-ready We are incredibly excited to announce the start of the Mondo Alpha Preview. We'll shortly be... Fri, 30 Oct 2015 00:00:00 +0000 https://monzo.com/blog/2015/10/01/the-first-mondo-hackathon A few weeks ago we released the Mondo API, allowing people to... Thu, 01 Oct 2015 00:00:00 +0000