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Monzo Blog

The latest updates, stories, ideas and guides from the Monzo team.

Title image for blog post "Vertically scaling ordered consumption using Kafka"
Technology
29 October 2024

Vertically scaling ordered consumption using Kafka

We built our “unordered concurrent” subscription knowing that we could eventually extend it to support ordering in Kafka

Business Banking
15 October 2024

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.

Business Banking
15 October 2024

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
Technology
30 September 2024

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 title image
Technology
18 September 2024

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

Product Updates
16 September 2024

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
Security
3 September 2024

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.

Image of the title that says 'How we cut time to sign up for Monzo US from 17 minutes to 4 minutes' in hot coral with a graphic of a watch to the bottom right
Technology
4 September 2024

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%

Title image for "How we run migrations across 2,800 microservices"
Technology
26 August 2024

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.

Title splash for Processing International Payments
Technology
31 July 2024

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

The ultimate guide on using AI to ace an interview at Monzo cover image
Technology
30 July 2024

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.

Security
28 July 2024

A trio of industry-first security tools to help stop fraudsters in their tracks

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

Elevating design work with storytelling – title with an colourful illustration of a stack of books
Design
24 July 2024

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.

Pensions
23 July 2024

Your guide to self-invested personal pensions (SIPPs)

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.

Hero image for blog post "How we securely generate sensitive secrets"
Technology
22 July 2024

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.