I am very impressed with the flexibility of your system. Your wording on the application is so easy to understand. Keep the good works up I am hoping to recommend you to my friends.
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
Ive had the Onmo credit card for just over a year and its helped me out no end. I only use the card to show im able to the control spending and use a small percentage of the £500. Ive always paid more... See more
Company replied
Had wait over 2weeks card come but that was due To Royal Mail as only seem get post every 2weeks in my area once got card was easy to activate on the app ready for when I need use and fantastic cust... See more
Company replied
The customer service was extremely excellent and helpful. The response to my questions and queries are clearly answered with clarity. Please keep up the good work
Company replied
Company details
Written by the company
Onmo is one of the UK’s newest credit card account providers. We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. Our app puts you in control of your spending and payments so you can understand exactly where your money's going, freeze your card, and set reminders - in one place. Find out more: https://onmo.app/
Contact info
33 Cannon Street, EC4M 5SB, London, United Kingdom
- 0330 333 6000
- help@onmo.app
- onmo.app
4.3
Excellent
6K reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
This company is very well and very good…
This company is very well and very good service ommo team member helpful everyone
February 23, 2026
Unprompted review
Reply from Onmo
Hi Sakandar,
Thank you for letting us know about the great service you received from us! We appreciate you taking time out of your day to share your experience and we'll be sharing your review with our team.
Team Onmo
Reply from Onmo
Hi Tracey,
We’re happy to read that you’ve had a positive experience when getting set up for your Onmo card. Thanks for leaving us your review.
Team Onmo
I found it very easy to apply for the…
I found it very easy to apply for the credit card, And I'm very happy that you offered me the credit card with money, To be honest the money is going to useful for me and I really appreciate you Onmo.
February 21, 2026
Unprompted review
Reply from Onmo
Hi Kunle,
Thank you for sharing your experience. We have built our card to help our customers build up their credit score and to use it with confidence. We hope you enjoy using your Onmo card.
Team Onmo
Brilliant online bank helpline goes…
Brilliant online bank helpline goes above and beyond if you have any queries thanks again Onmo
January 2, 2026
Reply from Onmo
Hi Leon,
Thank you for letting us know about the great service you received from us! We appreciate you taking time out of your day, and we’ll be sharing your review with our team.
Team Onmo
A very fast decision on a credit card…
A very fast decision on a credit card with a very good credit level. Hav'nt received the card as yet should come in the next seven days. The app was very easy to set up.
February 21, 2026
Unprompted review
Reply from Onmo
Hi Liz,
Thanks for your review! It’s great to see that you were approved with a credit limit that works well for you. We also appreciate your feedback on our mobile app and how easy it was to get your account set up.
If you need any assistance, our Customer Services Team will be to help. You can start a chat with us through the Onmo mobile app or give us a call on 0330 333 6000. We're available Monday - Friday, 9am - 5pm.
Team Onmo
SIMPLE AND STRAIGHTFORWARD.
SIMPLE AND STRAIGHTFORWARD.
Easy application, and an answer with 120 seconds.
How it should be done
February 20, 2026
Unprompted review
Reply from Onmo
Hi Ian,
Thank you for leaving us your review and sharing your application experience. It’s great to read that you found it to be quick and straightforward to get through.
Team Onmo
Reply from Onmo
Hi Gavin,
Thank you for leaving your feedback. We’re happy to read that you found setting up your account to be easy and we hope you enjoy your Onmo card.
Team Onmo
Reply from Onmo
Hi Artur,
We’re happy to read that you’ve had a positive experience when getting set up for your Onmo card. Thanks for leaving us your review.
Team Onmo
Easy questions and straight forward…
Easy questions and straight forward took about 2 mins to complete
February 19, 2026
Unprompted review
Reply from Onmo
Hi Andrew,
We’re happy to read that applying for your Onmo card was straightforward and easy. We'll have your new card with you soon and we appreciate you leaving the review.
Team Onmo
Decision very very quick.
Decision very very quick. Everything short and simple. App is brilliant.
February 18, 2026
Unprompted review
Reply from Onmo
Hi Henry,
Thank you for sharing your application experience and how easy it was to be set up within the mobile app.
We’re glad to read everything was easy for you and we hope you enjoy your new card!
Team Onmo
Reply from Onmo
Hi Brenton,
We appreciate you sharing your experience when applying for your Onmo Credit Card. Thanks for your recommendation and we hope you enjoy your new card.
Team Onmo
Fantastic card
Had wait over 2weeks card come but that was due
To Royal Mail as only seem get post every 2weeks in my area once got card was easy to activate on the app ready for when I need use and fantastic customer service when I chatted on app A+++ highly recommended 
February 18, 2026
Unprompted review
Reply from Onmo
Hi Jay,
We're sorry to read that it took some time for your card to reach you but we're glad that it's finally in your hands! We appreciate your feedback on our mobile app and our customer services team. We'll be sure to share your review with our teams and thank you for being an Onmo customer.
Team Onmo
Reply from Onmo
Hi Charles,
Thank you for your review. We should have your card in your hands within 3 - 7 business days. If you need any help before your card arrives or once you have it, you can chat with us directly through your Onmo mobile app or give us a call on 0330 333 6000. We're available Monday - Friday, 9am - 5pm.
Team Onmo
Reply from Onmo
Hi Mitchell,
Thank you for leaving us your review and for sharing your experience with our services. We appreciate the feedback and we're happy to have you as an Onmo customer.
Team Onmo
The application was very simple short…
The application was very simple, short and efficient, and no long wait for an answer.
February 12, 2026
Unprompted review
Reply from Onmo
Hi Tim,
Thank you for leaving us your review and sharing your application experience. It’s great to read that you found it to be quick and straightforward to get through, without taking up too much of your time.
Your card will be with you soon and thanks for being an Onmo customer!
Team Onmo
Reply from Onmo
Hi Abdur,
Thanks for your review! It’s great to see that you were approved with a credit limit that works well for you, and we hope you enjoy using your Onmo card.
Team Onmo
Avoid at all cost
Avoid at all cost, they will wait for you to build some debt on their card then spike your interest rate to above 50%
February 9, 2026
Unprompted review
Reply from Onmo
Hi Surgent,
We understand that it is disappointing when there is a change in your credit card’s interest rate. Changes to your APR occur because we regularly review our pricing to make sure it reflects current market conditions and the overall cost of providing credit.
We make sure to provide at least 60-days’ notice before the change takes effect, where you have the option to opt out of the change. When opting out, your card will be frozen from further spending, but you will be able to take as long as you need to pay down any remaining balance at your card’s current rate.
Team Onmo
Quick and straight forward application
Quick and straight forward application, just waiting for card to arrive now
February 16, 2026
Unprompted review
Reply from Onmo
Hi David,
We’re happy to read that applying for your Onmo card was straightforward and easy. We'll have your new card with you soon and we appreciate you leaving the review.
Team Onmo
What a joke
What a joke ? I honestly cannot believe this situation. My card stopped working over the weekend, and there was no customer service available to help. When I finally managed to speak to someone on Monday, they couldn’t even provide a reason why my card had stopped working.
To make matters worse, I was told it will take 10 working days just to investigate the issue. This is completely unacceptable. A payment card is an essential service, and leaving a customer without access to their money for this long shows a serious lack of customer care and urgency.
The level of service I’ve received has been extremely disappointing. Situations like this are resolved much faster elsewhere, yet here I am left without answers or support.
February 16, 2026
Unprompted review
Reply from Onmo
Hi KM,
Thank you for your feedback and sharing your recent experience with your Onmo credit card. In some instances, we may need to run additional checks depending on the purchases being made to protect your account. If this happens, we’ll work to review the transaction and have your card ready to use as soon as possible.
To ensure that we can review everything as quickly as possible, please keep an eye out for an email from our Accounts Review Team so that we can receive any further information and work your case. We will also provide your feedback to our relevant department as we understand this has been an inconvenient experience for you.
Team Onmo
Brilliant company
Brilliant company, gave me a chance, good credit to start off,
February 14, 2026
Unprompted review
Reply from Onmo
Hi Adam,
Thank you for sharing your experience. We have built our card to help our customers build up their credit score and to use it with confidence. We hope you enjoy using your Onmo card.
Team Onmo
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