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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When monzo.com first appeared online, and whether it can receive email
  • What kind of line 0800 088 4040 is
  • Who else gives the postcode EC2A 2AG
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Monzo Trading name
  • Focus FS Limited Former name
  • Mondo Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A 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 apply
    Eligible 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 apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (18 permissions)
  • Accepting Deposits
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • 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

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
most recent
July 2025
  • 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.

Ombudsman complaints

new complaints, January–June 2025
3,004
upheld, against a 31% median
35%
about banking and credit
2,996

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

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
  • Banks (SIC 64191)
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Eileen Burbidge Director Jun 1971 21 Apr 2015 24 other companies
Fiona Catherine Mcbain Director Mar 1961 1 Jan 2020 6 other companies
Valerie Michelle Dias Director Oct 1959 1 Jun 2021 13 other companies
Jane Fields Wicker-Miurin Director Jul 1958 1 Apr 2024 2 other companies
Mark Newbery Director Feb 1980 25 Nov 2024 7 other companies
Diana Louise Patricia Layfield Director Jul 1970 1 Feb 2026 1 other company
Rupert Graham Keeley Director Nov 1957 1 Jun 2026 None
Andrew David Woosey Director Oct 1966 1 Oct 2026 None
Paul Mccullagh Secretary Not published 12 Sep 2023 –

Other companies run by these 8 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
44
closed down
5
went insolvent
1

In the full report: all 44 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 11 on the FCA register
  • The 5 companies these 8 directors run together
  • All 26 people who have ever been directors, with their dates
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Key dates in its history

Monzo Bank’s history from the FCA register and Companies House, newest first.

Key events (11) All events (59)

2025

7 July 2025

  • Fined by the FCA

FCA register

2023

12 September 2023

  • Monzo Bank Holding Group Limited took control (75–100% of shares)

Companies House

2021

11 February 2021

  • Passion Capital FS (GP) LLP no longer holds 25–50% of the votes

Companies House

2016

30 August 2016

  • Changed its registered name from "Focus FS Limited"

FCA register

10 August 2016

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date
  • Became authorised by the FCA

FCA register

6 April 2016

  • Passion Capital FS (GP) LLP gained 25–50% of the votes
  • Passion Capital FS LP became a part-owner (25–50% of shares)
  • Passion Capital FS LP stopped being a part-owner

Companies House

2015

18 February 2015

  • Incorporated at Companies House

Companies House

In the full report: all 59 events

  • All 59 events in its history (11 shown here)
  • Every director appointment and resignation: 44
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Firms connected to Monzo Bank

Other FCA-listed firms that share a director, phone number or address with Monzo Bank. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share a director
4
share its postcode
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 7 past links through former directors
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Firms like Monzo Bank

Other firms of the same type (bank or building society), nearest first.

In London

Santander UK PLCLondonAuthorisedNational Westminster Bank Public Limited CompanyLondonAuthorisedLloyds Bank PLCLondonAuthorisedBarclays Bank PLCLondonAuthorisedBarclays Bank UK PLCLondonAuthorisedBank of Scotland PLCLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Monzo Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 44 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 59 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Monzo Bank Limited FCA authorised?
Yes, Monzo Bank Limited (FRN 730427) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Monzo Bank’s phone number and website?
The FCA register lists the phone number 0800 088 4040 and the website monzo.com for Monzo Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Monzo Bank a scam or clone?
Monzo Bank is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Monzo Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Monzo Bank to the Financial Ombudsman Service, free of charge.
Who owns Monzo Bank?
Monzo Bank is owned by Monzo Bank Holding Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 12 September 2023. Before that, it was controlled by Passion Capital FS LP and Passion Capital FS (GP) LLP.
Who runs Monzo Bank?
Companies House lists 8 directors of Monzo Bank: Eileen Burbidge, Fiona Catherine McBain, Valerie Michelle Dias, Jane Fields Wicker-Miurin, Mark Newbery, Diana Louise Patricia Layfield and 2 more.
How long has Monzo Bank been in business?
The company was formed on 18 February 2015, and has held its current FCA authorisation since August 2016.
Has the FCA taken action against Monzo Bank?
Yes. The FCA register records 1 fine in 2025. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Monzo Bank get?
In January–June 2025, the Financial Ombudsman Service received 3,004 new complaints about Monzo Bank, and upheld 35% of those it decided.
Does Monzo Bank use any other names?
It trades as Monzo. It has previously used 2 other names: Focus FS Limited and Mondo.

Sources and links

The full report on Monzo Bank Limited

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