Monzo Blog
The latest updates, stories, ideas and guides from the Monzo team.
![The background is a very light white green colour. title of the image says 'Making identity verification more accessible' in bright coral writing. There's a bright coral logo in the right hand corner that says 'monzo'. Bottom right is a graphic of a woman holding a phone taking a picture or video.](https://images.ctfassets.net/ro61k101ee59/7MQRatAFo90qG0yTwqCsPq/97f7bcddad0a538a1c668f5b4231f88e/Title.png?w=2400&q=75)
Making identity verification more accessible
At Monzo we’re trying to be an inclusive company that pushes boundaries in an attempt to reach our mission, to “Make money work for everyone”. We are taking steps to ensure everyone can us Monzo independently.
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Gender Pay Gap report 2024
Between 5 April 2023 and 5 April 2024, our median gender pay gap reduced from 8.1% to 6.3%.
![Title image that says 'How each role in Borrowing Data allows us to think big and innovate' in white writing, against a background image of a person's legs walking across the frame wearing red slippers and stripy socks, with a red ombré background.](https://images.ctfassets.net/ro61k101ee59/3W4iT7b5sKsd8NfHadnTX/4a7267c568a0d34797f792463cacf3d9/Preview_Image_Link-min.png?w=1200&q=75)
How each role in Borrowing Data allows us to think big and innovate
Monzo has a huge variety of data roles in our Borrowing team that contribute to developing our credit products. In this blog we tell you what Borrowing at Monzo is, how it fits into Monzo, what the types of roles we hire for, and how to apply.
![Image with Hot Coral text that reads 'Writing Year in Monzo 2024'. The words are surrounded by illustrations including: sunglasses, pink cowboy hats and an inflatable flamingo!](https://images.ctfassets.net/ro61k101ee59/1t8jzQKPs4VpQpYyIuZchr/d13ea731832c8dcf83452e232bfcfd8e/Preview_Link.png?w=1200&q=75)
Writing Year in Monzo 2024
Nothing brings us more joy than roasting and celebrating millions of people for their spending habits, so we're here to break down exactly how we did it.
![We've partnered with SignLive, an online interpreting service for British Sign Language (BSL). This means BSL users can contact the Monzo customer support team in real time using video relay services.](https://images.ctfassets.net/ro61k101ee59/6lmQv8xnQilkawD4kzJ5kk/740e8b918eeca40f84e8cc4d87866e8d/You_can_now_contact_Monzo_using_British_Sign_Language.png?w=1200&q=75)
You can now contact Monzo using British Sign Language
We've partnered with SignLive, an online interpreting service for British Sign Language (BSL) so BSL users can chat with our customer support team in real time.
![A header image on the left side that reads 'Don't let go of your creative spark' in a bright hot coral colour. The Monzo logo is smaller in the right hand corner. Bottom right is a graphic of a colourful notepad and pencil.](https://images.ctfassets.net/ro61k101ee59/1cmif5Hfdq2HGDKF9B1mjB/15bbb9fd251c666a81c1144eda6ede88/Preview_Link__7_.png?w=1200&q=75)
Don’t let go of your creative spark
Our Product Designer, Victoria, talks about her learnings from the course '100 Design Projects' she attended this year, including sprinkling your own personality in every project and making sure you reflect on your own creative process.
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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.
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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.
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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.
![Cover image shows the blog title in white 'How our design team shapes products for our customers'; with an image of someone holding an iphone with the Monzo app open, with a bright coral background.](https://images.ctfassets.net/ro61k101ee59/5CyRqa1hGlKiFsIxDIlYES/6036bed47ecad6ecfedd2c010bdb3b5e/image__39_.jpg?w=1200&q=75)
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.
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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
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Vertically scaling ordered consumption using Kafka
We built our “unordered concurrent” subscription knowing that we could eventually extend it to support ordering in Kafka
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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.
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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.
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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.”