MONZO BANK LIMITED
Reference number: 730427
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Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Identity
Check their details
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Verified website
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Verified phone number
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Verified address
Monzo Bank Limited, Broadwalk House, 5 Appold Street, London, EC2A 2AG, United Kingdom
- Monzo
Company details
From the company's Companies House record.
- Company number
- 09446231
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 February 2015 (11 years old)
- Registered office
- Broadwalk House, 5 Appold Street, London, EC2A 2AG, England
- Nature of business
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- Banks (SIC 64191)
- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Eileen Burbidge | Director | Jun 1971 | 21 Apr 2015 |
| Gary Hoffman | Director | Oct 1960 | 1 Feb 2019 |
| Fiona Catherine Mcbain | Director | Mar 1961 | 1 Jan 2020 |
| Valerie Michelle Dias | Director | Oct 1959 | 1 Jun 2021 |
| Elizabeth Frances Runham | Director | Jul 1975 | 1 Mar 2022 |
| Jane Fields Wicker-Miurin | Director | Jul 1958 | 1 Apr 2024 |
| Mark Newbery | Director | Feb 1980 | 25 Nov 2024 |
| Delfin Rueda Arroyo | Director | Apr 1964 | 27 Jun 2025 |
| Jambu Palaniappan | Director | Oct 1987 | 1 Sep 2025 |
| Karen Alexandra Smith Peacock | Director | May 1972 | 13 Oct 2025 |
| Spencer George Lake | Director | Apr 1960 | 13 Oct 2025 |
| Diana Louise Patricia Layfield | Director | Jul 1970 | 1 Feb 2026 |
| Rupert Graham Keeley | Director | Nov 1957 | 1 Jun 2026 |
| Paul Mccullagh | Secretary | Not published | 12 Sep 2023 |
Activities and protection
What they can do, and how you are protected
- Hold or safeguard your money FSCS may applyEligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
- Sell or arrange insurance FSCS may applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Advise on or arrange mortgages FSCS may applyMortgage advice and arranging may be FSCS-covered, up to the limit that applies.
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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- Accepting Deposits
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Arranging (bringing about) deals in investments
- Arranging (bringing about) regulated mortgage contracts
- Arranging safeguarding and administration of assets
- Assisting in the administration and performance of a contract of insurance
- Credit Broking
- Dealing in investments as agent
- Dealing in investments as principal
- Debt-counselling
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- Making arrangements with a view to regulated mortgage contracts
- Making arrangements with a view to transactions in investments
- Providing Credit Information Services
- Providing Targeted Support
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
Action taken against them, and what customers complained about
1 fine in 2025. This is part of the official register record and is worth reviewing before going ahead.
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Fined on 7 July 2025
A final notice has been issued in relation to Monzo because it breached Principle 3 in failing to take reasonable care to organise and control its systems and controls for managing the risk of financial crime (in particular in connection with customer onboarding) responsibly and effectively during the Pre VREQ Period. Monzo also contravened relevant requirements imposed upon it (under section 55L(5)(a) of the Act) during the Relevant VREQ Period.
Previously registered as
The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.
- Focus FS Limited
Names it no longer trades under
This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired name
- Mondo
Complaints record
In January–June 2025, the Financial Ombudsman Service received 3,004 new complaints about this firm, and upheld 35% of the ones it decided.
That is above the 31% median for the firms the Ombudsman reports on.
- Banking and credit 2,996
- Investments 7
- Insurance 1
A bigger firm receives more complaints simply because it has more customers. FOS complaints data →
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