Monzo Blog
The latest updates, stories, ideas and guides from the Monzo team.
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.
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.
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.
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.
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
Vertically scaling ordered consumption using Kafka
We built our “unordered concurrent” subscription knowing that we could eventually extend it to support ordering in Kafka
Monzo Business is now open for (bigger) small businesses
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.
Time-saving expense cards are here
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.
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.”
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
Flex on Apple Pay: Now it's even easier to pay your way
iPhone and iPad users can now choose their monthly payment right at checkout with Flex on Apple Pay, online and in-app 🎉
Take Five - Stop, challenge and protect yourself against fraudsters
How we're building moments of pause into the Monzo app to help protect customers from fraud and purchase scams.
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%
How we run migrations across 2,800 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.
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
