Monzo: company and regulatory profile
What to confirm before sending with Monzo
These questions connect the source material below to your particular transfer. A quotation records what the provider published; it does not confirm your eligibility or that the conditions apply to your payment. Missing evidence describes our collection, not the provider’s capabilities.
- Can your particular account send the currency to the destination bank?
- No source quotation on this topic has been collected for this profile.
- What beneficiary details and bank-routing information are required?
- No source quotation on this topic has been collected for this profile.
- What are the bank's fee, conversion rate and any intermediary or recipient charges?
- Read the provider's statement: fees
- Do online, app, telephone and branch payments have different limits?
- No source quotation on this topic has been collected for this profile.
- What cut-off time and working-day schedule apply to this payment?
- No source quotation on this topic has been collected for this profile.
- Which entity provides the payment service, and what protection applies to this product?
- No source quotation on this topic has been collected for this profile.
- Which identity, address and source-of-funds documents will you need for this transfer?
- No source quotation on this topic has been collected for this profile.
Check the firm on the FCA Register · Check the cost of a quote you already have
What Monzo says about its regulation
Source: monzo.com (Monzo's own website) · Fetched 26 October 2026 · quoted word for word · How we collect this
Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.
What Monzo says about its service
Source: monzo.com (Monzo's own website) · Fetched 26 October 2026 · sentences quoted word for word · How we collect this
Service availability
Source context: Sending international payments
You can't send GBP (Great British Pounds) internationally from your Monzo account.
From /help/payments-getting-started/sending-int-payments-web
Source context: Where can I find a list of supported currencies? — Sending international payments
You can't send GBP (Great British Pounds) internationally from your Monzo account.
Fees
Source context: What fees are charged for receiving international transfers?
We don’t charge any fees for receiving international payments that have already been converted to British pounds.
From /help/payments-getting-started/international-transfers-local-currency
Source context: What fees are charged for receiving international transfers?
We also charge a 1% conversion fee.
From /help/payments-getting-started/international-transfers-local-currency
Source context: What fees are charged for receiving international transfers?
The maximum fee for each transaction is £1,000.
From /help/payments-getting-started/international-transfers-local-currency
Companies House record
Source: Companies House · Fetched 26 October 2026 · values copied as returned · How we collect this
- Registered name
- MONZO BANK LIMITED
- Company number
- 09446231
- Company status
- active
- Incorporated
- 18 February 2015
- Registered office
- Broadwalk House, 5 Appold Street, London, EC2A 2AG, England
- SIC codes
- 64191, 64999
- Latest accounts made up to
- 31 March 2026
- Next accounts due
- 31 December 2027
- Accounts overdue (as recorded by Companies House)
- No
Persons with significant control
- Monzo Bank Holding Group Limitedownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directors · notified 12 September 2023
How this company was identified: Company number taken from the regulatory statement on the provider's own website. It was the only stated company whose registered name is the trading name plus a legal-form suffix, or whose statement carries the FCA reference number the provider's homepage gives. Contains public sector information licensed under the Open Government Licence v3.0. Source: Companies House. Names are shown as published on the public register; see our privacy notice.
Ownership, accounts and filings
Source: Companies House · Fetched 26 October 2026 · values copied as filed · How we collect this
Who owns the company
- Owner of the company behind MonzoMonzo Bank Holding Group Limited · registered in England And Walesownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
Corporate owners recorded as persons with significant control, copied as Companies House records them and followed up the chain only while each is a single owner registered there under the same name. Individuals are not shown.
Figures from the latest accounts
The latest accounts, made up to 31 March 2026, were not filed in a machine-readable form, so no figures are copied here. See the filing at Companies House.
Registered charges
4 registered, of which 2 satisfied and 2 not recorded as satisfied. See the charges
A charge is security a company gives a lender, such as a debenture or mortgage.
Previous company names
- FOCUS FS LIMITED · 18 February 2015 to 21 October 2016
Filing timeline (30 most recent filings shown)
- 27 August 2026Accounts filed, made up to 2026-03-31
- 11 November 2025Confirmation statement filed
- 2 September 2025Share capital filing
- 1 September 2025Accounts filed, made up to 2025-03-31
- 23 April 2025Share capital filing
- 21 March 2025Share capital filing
- 20 March 2025Share capital filing
- 3 March 2025Share capital filing
- 24 February 2025Resolution filed
- 25 November 2024Confirmation statement filed
- 15 October 2024Accounts filed, made up to 2024-03-31
- 17 April 2024Share capital filing
- 8 April 2024Resolution filed
- 30 March 2024Share capital filing
- 30 March 2024Company incorporated
- 30 March 2024Resolution filed
- 30 March 2024Share capital filing
- 30 March 2024Share capital filing
- 27 March 2024Share capital filing
- 22 March 2024Share capital filing
- 13 March 2024Share capital filing
- 13 March 2024Share capital filing
- 13 March 2024Insolvency filing
- 13 March 2024Resolution filed
- 14 February 2024Confirmation statement filed
- 16 October 2023Accounts filed, made up to 2024-02-28
- 28 July 2023Share capital filing
- 30 June 2023Accounts filed, made up to 2023-02-28
- 30 May 2023Share capital filing
- 2 March 2023Confirmation statement filed
Contains public sector information licensed under the Open Government Licence v3.0, source Companies House.
Complaints to the Financial Ombudsman Service
Source: Financial Ombudsman Service, half-yearly business complaints data · Fetched 26 October 2026 · figures copied as published · How we collect this
Figures for MONZO BANK LIMITED, the registered company behind Monzo. They cover complaints about all of the company’s products, not only international transfers.
| Period | Total new cases | Total % of cases upheld | Total proactive settled resolved |
|---|---|---|---|
| H1 20261 January to 30 June 2026 | 3,156 | 24% | 260 |
| H2 20251 July to 31 December 2025 | 5,314 | 26% | 593 |
- New cases, Banking & Credit (H1 2026)
- 3,146
- New cases, General Insurance / Pure Protection (Includes PPI) (H1 2026)
- 1
- New cases, Investments (H1 2026)
- 1
- New cases, Decumulation Life & Pensions (H1 2026)
- 8
- % of closed cases upheld, Banking & Credit (H1 2026)
- 24%
Across all businesses in H1 2026, the Ombudsman states: “Average % of cases upheld = 26%”.
“Upheld” means the Ombudsman decided in the consumer’s favour. A business is linked to a provider only when the Ombudsman publishes it under exactly the registered company name we hold from Companies House. Contains public sector information licensed under the Open Government Licence v3.0. Source: Financial Ombudsman Service, business complaints data H1 2026.
Changes we have recorded
Each week software compares the latest public records with the previous week’s and logs what changed.
- 26 October 2026Complaints data published for H1 2026 changed · Financial Ombudsman Service
Data coverage
This profile is compiled automatically. Each item appears only once it has been collected from the stated source, and carries the date it was fetched. FCA status, restrictions and agents are available through the live register lookup; they are not imported into profiles. Missing service information describes a gap in our collection.
Show every item and its source (9 of 15 profile fields have source material)
Identity
- Registered company name
- Source material collected · Companies HouseCopied from the source by software
- FCA number, as stated by the provider
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Company number, incorporation date, registered office
- Source material collected · Companies HouseCopied from the source by software
- Persons with significant control
- Source material collected · Companies HouseCopied from the source by software
Regulation
- Provider's regulatory statement
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Status, restrictions and requirements
- Live lookup only · FCA RegisterQuoted word for word, with a link to the source
- Registered agents (count)
- Live lookup only · FCA RegisterCopied from the source by software
- How customer money is safeguarded
- No source material collected · Provider terms and conditionsQuoted word for word, with a link to the source
Financial health
- Latest accounts date, overdue accounts flag
- Source material collected · Companies HouseCopied from the source by software
- Revenue and profit (where filed)
- No source material collected · Filed accounts at Companies HouseCopied from the source by software
Complaints
- Complaint volumes and uphold rate (where published)
- Source material collected · Financial Ombudsman ServiceCopied from the source by software
Product
- Countries and currencies served
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Service availability
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Delivery times and payment cut-offs
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Payout methods (bank, cash pickup, mobile wallet)
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Fees, limits, minimums
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- ID documents required
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
We do not test providers or rate them. This profile shows no exchange rates, and says nothing about Monzo that its public records and its own website do not.
About this profile
Compiled automatically by IMTUK from the sources shown on this page. Site owner: Matt Woodley. Provider quotations are their own claims; collection and classification are not independent verification of the service.
Listing is free and no provider can pay for its data fields or position. Methodology · How we get paid · Report an error · Are you Monzo?