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.
My experience with Onmo
It was dine in a simple manner. No hustling and first time credit limit looks good aswell
February 14, 2026
Unprompted review
Reply from Onmo
Hi Richard,
Thank you for leaving us your review. We’re happy to read that we were able to offer you an Onmo credit card with a credit limit you were happy with. We'll have your card with you soon and thank you for being an Onmo customer.
Team Onmo
Everything was made clear and easy to…
Everything was made clear and easy to understand, makes a change.
February 14, 2026
Unprompted review
Reply from Onmo
Hi David,
We’re happy to read that applying for your Onmo card was straightforward and you felt well informed throughout. We appreciate you leaving the review.
Team Onmo
So far so good 👍
New to this card but all good so far. Easy to use and straight forward app 👍
February 14, 2026
Unprompted review
Reply from Onmo
Hi Rob,
Thank you for sharing your experience and feedback on your Onmo credit card! We’re happy to read that you’ve enjoyed having this card in your wallet for when you need it and that you've found our app easy to use.
Thanks for being an Onmo customer!
Team Onmo
Looking Forward to Using My Onmoo Card
The application process was fast and easy and with a great result
February 14, 2026
Unprompted review
Reply from Onmo
Hi Trevor,
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
Great service easy to apply for card…
Great service easy to apply for card ca.e in about four days very easy to activate and use well done thanks
February 14, 2026
Unprompted review
Reply from Onmo
Hi Colin,
Thank you for your review and we’re happy to read your Onmo card is in your hands! It’s great that you found activation easy, and we hope you enjoy your new card.
Team Onmo
App not working for over a week
App not working for over a week, uninstall/reinstall still nothing.
February 14, 2026
Unprompted review
Reply from Onmo
Hi Tony,
We’re sorry to read that you’ve had some issues with our mobile app. We did have a problem on February 8th, impacting some customers, which was promptly resolved. Please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm) where a member of our Customer Services Team will help troubleshoot the issue with you.
Team Onmo
It's is very Easy And Give Nice Credit…
It's is very Easy And Give Nice Credit limit Also
February 13, 2026
Unprompted review
Reply from Onmo
Hi Mr Thakur,
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
Reply from Onmo
Hi David,
Thank you for leaving us your review and sharing your experience when applying for an Onmo credit card. We appreciate your feedback and hope you enjoy your new card!
Team Onmo
Very easy to set up great company…
Very easy to set up great company fantastic awesome and well respected
February 13, 2026
Unprompted review
Reply from Onmo
Hi Craig,
Thank you for your review and sharing with us that you found our application process easy to complete. Your card should be with you soon, and we hope you enjoy it.
Team Onmo
Approved in 2 minutes 🙌
Easy to apply for and got approved straightway !!
February 12, 2026
Unprompted review
Reply from Onmo
Hi Meiry,
Thanks for taking the time to leave us your review. It’s great to read that applying for your Onmo Credit Card was easy and you received a response right away. Thanks for being an Onmo customer.
Team Onmo
I made a complaint and it’s gone past…
I made a complaint and it’s gone past the 8 week timeframe with no response. I have chased on many occasions but they don’t rely to you!
December 16, 2025
Unprompted review
Reply from Onmo
Hi CJ,
Thank you for informing us that you have not received a response to a complaint that you have raised. This doesn’t seem right, as when a complaint is received you would get an acknowledgment within 5 business days while we start our investigation.
We’d like to look into this matter for you and have this raised as a high priority. So that we can locate your account and get your details to our Complaints Team, we’ve reached out to request for further information. We’d appreciate if you can get this over to us to we can help.
Team Onmo
Brilliant quick service and checks
Brilliant quick service and checks. Will recommend to my friends
February 12, 2026
Unprompted review
Reply from Onmo
Hi Michael,
Thank you for sharing your recent experience of applying for your Onmo card. It’s great to read that everything went smoothly.
We appreciate your recommendation and hope you enjoy your new card.
Team Onmo
Accepted quickly nice app…
Really quick response accepted straight away good communication from the company and its a nice looking app
February 11, 2026
Unprompted review
Reply from Onmo
Hi Stephen,
Thank you for sharing your experience when using our mobile app and getting your account set up. We’re happy to read everything was easy and you found the process user friendly. Enjoy your new card!
Team Onmo
Very easy application process
Very easy application process. Quick decision and decent credit limit.
February 11, 2026
Unprompted review
Reply from Onmo
Hi Steve,
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
Rip Off Merchants
They started me on 26% APR and then in December they jacked it up to 50% APR. I have no idea why, I never missed a payment but they decided to do that. I have used other credit cards and they never have done that. I am now endeavoring to pay these cowboys off. AVOID!!
November 3, 2025
Unprompted review
Reply from Onmo
Hi Mario,
We understand that it is disappointing when there is an increase in your credit card’s APR. We regularly review our pricing to make sure it reflects current market conditions and the overall cost of providing credit. If you opted out of the increase when you were notified of the change, you would be able to pay down any remaining balance at your current rate.
We will also be providing your feedback and review to our relevant department.
Team Onmo
LACK OF SERVICE TEAM
Had a card for around 14 months. I asked why they had never considered a limit increase and all I got from 3 people was "don't know as the system decides " I'm not stupid. The system does what you tell it to. Let's be honest here ... despite the massive jump in interest rate that none of my other cards have done I stayed with you. I ALWAYS paid in full so what you don't want to admit is that you don't make money from me so you do what you can to make customers like me go away. Well due to your blatant lies to me, and from looking at other reviews here you have succeeded Account closed and I will certainly be letting many others know about your so called "Lack of Customer Service Team " There is absolutely no way that you can justify your conduct
February 11, 2026
Unprompted review
Reply from Onmo
Hi Gary,
We appreciate your feedback on our credit limit increase process and we understand your frustration that you have not had an offer to increase your limit. Our Customer Services Team are not able to request for an increase on a customer’s behalf, so the information you were provided with was true. Credit limit increases are automatically offered where you would receive an email if one is being offered.
We will provide your review to our relevant department who handle this process to take on your feedback.
Team Onmo
Reply from Onmo
Hi Lucy,
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
This has to be the most scammed credit…
This has to be the most scammed credit card I have ever had first payment was £25. balance is £700 and they now want £80 a month minimum payment taking over £40 interest. who the hell pays £80 a month on a £700 credit card. No way can I pay that each month. I've had CC with £2000 balance and min payment on that was on £72 a month. These won't be getting any further payments it's well beyond what I can afford to pay.
February 11, 2026
Unprompted review
Reply from Onmo
Hi Gavin,
Your monthly minimum repayment is dependent on how you use your Onmo Credit Card and any interest applied from your last repayment date, if the full balance was not paid. We understand your concerns on your minimum repayment and we have a dedicated Customer Support Team who are here to help. We will work with you if a payment plan is needed and support you in finding the best solution.
Please give us a call on 0330 333 6000 and select option 3 to be connected directly with our team. We’re available Monday – Friday, 9am – 5pm. We will also provide your review to our Customer Support Team to request they reach out via email to help.
Team Onmo
Reply from Onmo
Hi Joyce,
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
Great Card
Fast, easy, no hassle, great card to use that came within 4 days of opening account. Would highly recommend 👌
February 3, 2026
Reply from Onmo
Hi Elaine,
Thank you for taking the time to leave us your review and sharing your experience when applying for your Onmo credit card. We're happy to read that your card has already landed in your hands and you're ready to start using it.
We hope you enjoy your new card!
Team Onmo
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