Cover of the Monzo crowdfunding prospectus

← Back to Invest

Our investment prospectus

Our investment prospectus covers what we're offering in more detail, including a look at our finances and business plan.

To view the prospectus, please tell us what type of investor you are.

Everyday investor

I haven't and won't invest more than 10% of my assets in illiquid investments like Monzo shares.

I make this statement so that I can receive promotional communications relating to unlisted shares and unlisted debt securities as a restricted investor. I declare that I qualify as a restricted investor because:

  1. in the twelve months preceding, I have not invested more than 10% of my net assets in unlisted shares or unlisted debt securities; and
  2. I undertake that in the twelve months following I will not invest more than 10% of my net assets in unlisted shares or unlisted debt securities.

Net assets for these purposes do not include:

  1. the property which is my primary residence or any money raised through a loan secured on that property;
  2. any rights of mine under a qualifying contract of insurance; or
  3. any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be entitled.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on unlisted shares and unlisted debt securities.

I agree to this statement

Advised investor

I've had or will get investment advice from a regulated investment adviser, who'll make sure that my investment in Monzo is right for me before I invest.

I am a client of a firm that has assessed me as suitable to receive financial promotions. I accept that the investments to which the promotions relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on unlisted shares and unlisted debt securities.

I agree to this statement

Self-certified sophisticated

I've invested in an unlisted company in the last two years, I work in a relevant financial industry, or I'm a director of a company with at least £1m turnover.

I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-mainstream pooled investments. I understand that this means:

  1. I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-mainstream pooled investments;
  2. The investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.

I am a self-certified sophisticated investor because at least one of the following applies:

  1. I am a member of a network or syndicate of business angels and have been so for at least the last six months prior;
  2. I have made more than one investment in an unlisted company, including via Crowdcube, in the two years prior;
  3. I am working, or have worked in the two years prior, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;
  4. I am currently, or have been in the two years prior, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-mainstream pooled investments.

I agree to this statement

High net-worth investor

I have an annual income of at least £100,000, and/or net assets of at least £250,000.

I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-mainstream pooled investments. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

  1. I had, throughout the financial year immediately preceding, an annual income to the value of £100,000 or more;
  2. I held, throughout the financial year immediately preceding, net assets to the value of £250,000 or more.

Net assets for these purposes do not include:

  1. the property which is my primary residence or any money raised through a loan secured on that property;
  2. any rights of mine under a qualifying contract of insurance; or
  3. any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled.

I agree to this statement