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.
Easy,fast and straightforward…
Easy,fast and straightforward application and setup.
February 10, 2026
Unprompted review
Reply from Onmo
Hi Ivars,
Thanks for sharing your experience when applying for your Onmo credit card. We’re glad it was an easy application to complete, and we hope you enjoy your card.
Team Onmo
Very Easy and straight forward application process
More than happy with this company so far.
Long may it stay that way!
February 10, 2026
Unprompted review
Reply from Onmo
Hi Daniel,
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.
If you do ever need a hand, our Customer Services Team will be here to help. We're available Monday - Friday, 9am - 5pm where you can chat with us directly through the Onmo mobile app or give us a call on 0330 333 6000.
Team Onmo
Quick and easy and very understandable
Quick and easy and very understandable
February 9, 2026
Unprompted review
Reply from Onmo
Hi Paul,
Thanks for your review and sharing how you found our application process. We’ve designed our application to make sure customers are well-informed throughout. We’ll have your card with you soon and thanks for being an Onmo customer.
Team Onmo
perfect one for beginer and helpful
February 10, 2026
Unprompted review
Reply from Onmo
Hi There,
Thank you for leaving us your review. We’re happy to read that we were able to offer you an Onmo credit card! If you ever need help or have questions on how to manage your card, please don't hesitate to reach our Customer Services Team who will be happy to assist you.
We're available Monday to Friday, 9am - 5pm where you can chat with us directly through the Onmo mobile app or give us a call on 0330 333 6000.
Team Onmo
Quick and easy to apply
February 3, 2026
Reply from Onmo
Hi Amanda,
Thank you for leaving us your review on how you found the application process. It's great to read that it was quick and easy for you to get through.
Team Onmo
Was very quick and easy to get the card
Was very quick and easy to get the card
February 8, 2026
Unprompted review
Reply from Onmo
Hi Paula,
We’re happy to read that applying for your Onmo card was straightforward and easy. If it hasn't arrived yet, your card will be with you soon and we appreciate you leaving the review.
Team Onmo
Easy to use and great way to built…
Easy to use and great way to built credit history
February 2, 2026
Reply from Onmo
Hi Doug,
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
Effecient
Received my card very quickly. Easy to set up. First time using no problem. Very happy
February 2, 2026
Reply from Onmo
Hi Alison,
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
Serious fraud mishandled, no communication, ongoing harm
I have been a loyal Onmo customer for over two years, but my experience following a fraud incident has been extremely poor and distressing.
On Sunday 18th January, I was scammed by someone impersonating Onmo. An attempted £500 transaction on my credit card was declined, but my saved card details were then used to pay £25 into my Onmo account, followed by £185 taken from my Onmo credit card by a third party (Airtime Rewards).
I reported this immediately via Onmo’s helpline on Monday 19th January and was told the matter would be passed to the fraud team. I also explicitly asked for my account to be frozen to prevent further transactions.
Since then, communication from Onmo has been almost non-existent. I have received no meaningful updates, no explanation of what is happening, and no reassurance. The only action taken was sending out a replacement card, which I refuse to activate as I no longer feel safe using Onmo.
In contrast, the third party involved (Airtime Rewards) investigated straight away, suspended the fraudulent account, and confirmed they are happy to assist with any investigation. Onmo, however, has shown a complete lack of urgency or transparency.
When I logged back into the app, I discovered my balance was -£7.37, with no explanation, pushing my credit usage beyond its limit and impacting my credit score — something I have worked hard to build.
I have logged a formal complaint, reported the matter to Action Fraud and the FCA, and am preparing to escalate to the Financial Ombudsman Service due to poor complaint handling, failure to safeguard my account, and the ongoing stress this has caused.
For a regulated financial company dealing with fraud and vulnerable customers, this level of communication and care is unacceptable. I no longer trust Onmo with my personal or financial information and would strongly caution others based on my experience.
January 18, 2026
Unprompted review
Reply from Onmo
Hi Keeley,
We’re sorry to read about the fraud you had encountered on your account and the stress this has caused you while we investigate the matter further.
Our Fraud team will work to respond to cases raised within 10-working days, where investigations may take longer than that. With Complaints, you will receive an email to acknowledge the receipt of your complaint within 5-days where we will conduct a full investigation and work to get back to you within 8-weeks of the complaint being raised.
We appreciate that this is a stressful situation so we would like to escalate your review with our Fraud team to request for an update to be provided. So that we can provide all details to them, we have reached out to request for further information. If you can please get this over to us, we’ll have our team provide you with an update within 3 – 5 business days.
Team Onmo
Reply from Onmo
Hi Paul,
We'd like to apologise for the issues you experienced yesterday with our services.
We have identified a technical problem that impacted some of our customers on February 8th. We can confirm that the issue has been resolved and all services have been returned to normal.
If you do continue to experience any issues, please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm) where we will be happy to help get the problem sorted.
Team Onmo
A bit iffy
Took all my details and then logged me out and said I was offline
February 8, 2026
Unprompted review
Reply from Onmo
Hi Lynne,
We'd like to apologise for the issues you experienced yesterday with our services.
We have identified a technical problem that impacted some of our customers on February 8th. We can confirm that the issue has been resolved and all services have been returned to normal.
If you do continue to experience any issues, please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm) where we will be happy to help get the problem sorted.
Team Onmo
App issues
App issues. Can't access app, keeps saying I'm offline. Declined a transaction, even though there's money in the account. Hopeless.
February 8, 2026
Unprompted review
Reply from Onmo
Hi Kathy,
We'd like to apologise for the issues you experienced yesterday with our services.
We have identified a technical problem that impacted some of our customers on February 8th. We can confirm that the issue has been resolved and all services have been returned to normal.
If you do continue to experience any issues, please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm) where we will be happy to help get the problem sorted.
Team Onmo
Can’t even get on the app to pay it’s…
Can’t even get on the app to pay it’s saying I have no internet ive even tried my mobile data and nothing
February 8, 2026
Unprompted review
Reply from Onmo
Hi Nicky,
We'd like to apologise for the issues you experienced yesterday with our services.
We have identified a technical problem that impacted some of our customers on February 8th. We can confirm that the issue has been resolved and all services have been returned to normal.
If you do continue to experience any issues, please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm) where we will be happy to help get the problem sorted.
Team Onmo
When I phoned customer service the…
When I phoned customer service the person I was chatting too about my card going to wrong address he was very helpful
February 1, 2026
Reply from Onmo
Hi Clayton,
Thank you for leaving us your review and for sharing your experience with our customer services team. We’re glad to read that our team were able to help you with your card being delayed and we hope it lands in your hands soon.
We’ll be sharing your feedback with our team.
Team Onmo
Well done 👍 I don’t have much to say…
Well done 👍 I don’t have much to say just stay blessed and stay safe
February 8, 2026
Unprompted review
Reply from Onmo
Hi Ivan,
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
Quality services
Great site, easy to access and find information, quick response, professional services, highly recommended
February 7, 2026
Unprompted review
Reply from Onmo
Hi Tatiana,
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
Was easy and the all set in in a few…
Was easy and the all set in in a few minutes xx
February 6, 2026
Unprompted review
Reply from Onmo
Hi Jose,
Thank you for your review and sharing your experience when applying for an Onmo credit card. We're happy to read that you found it to be quick without too many hurdles. Your new card will be with you soon!
Team Onmo
It was smooth and easy application.
It was smooth and easy application.
No hassle just simply put the information that are essential and decision was made without any delay and the app is great
February 6, 2026
Unprompted review
Reply from Onmo
Hi Sadikur,
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
Quick efficient just exactly what I…
Quick efficient just exactly what I need when shopping arojnd
February 6, 2026
Unprompted review
Reply from Onmo
Hi Jay,
Thank you for taking the time to leave us your review. We're happy to read that you had a good experience when applying for your Onmo credit card. We'll have your card with you soon.
Team Onmo
Quick and easy to apply
February 6, 2026
Unprompted review
Reply from Onmo
Hi Audrey,
Thanks for sharing your experience when applying for your Onmo credit card. We’re glad it was an easy application to complete, and we hope you enjoy your card.
Team Onmo
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