Monzo Bank - Mobile Banking
76
Quality Score
Strong
Monzo Bank - Mobile Banking
Medium confidence
✍️ bumetric analysis
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Monzo Bank - Mobile Banking is an iOS app from Monzo Bank Limited in the Finance category, currently rated 4.7★ across 5,551 ratings. Initial signal reads as mixed reviews: supporters praise core features while critics cite stability and value gaps.
Quality Score is 76: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tierFREE
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- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
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Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
ONE-TIME · BUILD💰 Estimated build cost
$145K
↳ What it cost to build · not monthly revenue
Likely range $110K – $195K
$25K · MVP floor$100K · indie scale$500K+ · studio build
📈Pays back in ~4 months at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱MVP baseline (design + 1-store ship) | +$28K |
| 📱5 unique screens × $4.5K | +$22K |
| 📦Asset bundle (484 MB) | +$40K |
| ⚙Finance complexity ×1.60 | +$54K |
Total estimate$145K
ONE-TIME · EXIT VALUE💵 Estimated acquisition value
$700K
↳ What it would sell for · not monthly revenue
Marketplace range $500K – $900K · 20× MRR multiple
💸~4.8× return on build cost
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺Ad-supported base | 15× MRR |
| ⭐★ rating ≥ 4.7 (premium) | +15% |
| 🏷Finance category multiple | +15% |
Final multiple20× MRR
👥 Estimated audience size
330K
Lifetime downloads (US-equivalent)
Monthly active
92K
Daily active
36K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲Finance engagement | ~60 installs / rating |
| 🔁Finance D30 retention | 28% |
| 📍DAU / MAU stickiness | 0.40 |
DAU / MAU40% sticky
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Stalled · 35/100MID TIERFREE (NO MONETIZATION)no growth momentumGrowth Velocity
5.0
Founder Strength
5.5
Product Quality
7.0
Revenue Strength
3.7
Monetization Maturity
0.5
Defensibility
4.5
Market Position
2.0
Operational Safety
0.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.74★ across 5,551 reviews — solid.
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: High — 3.7% refund mentions, scam/fraud mentions detected, rating drift -0.54 ★ (recent 50 vs lifetime).
🎯 For competitors: Vulnerable. Quality drift + slow updates create a clear opening for a fresh competitor with active dev cadence.
💵 For acquirers: Estimated asking range 12-22× monthly = $60K-$110K. Portfolio play ($33K/mo combined) commands premium. Discount applied for operational risk..
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 8 of 8 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| Excellent rating (4.7★)METRIC | +$2,200 | |
| 5 starREVIEW | +$1,800 | |
| Low install base (5,551 ratings)METRIC | +$1,500 | |
| Mature app (10y old)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| support teamREVIEW | +$900 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
App Specs
🔐 Own this app? Claim & verify MRR →💾 484 MB🔞 4+📱 iOS 16.0+🔖 v7.25.0🔄 updated 0d ago🌐 EN, ES📂 Finance💰 Paid
📝 About this app
Monzo is the digital banking app that rewards you for being you. With one app to manage all your finances, in real time.
CASH BACK FOR ALL
Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account
Cash back means cash: withdraw, spend or save it.
Cash back is instant, straight into your account or Savings Jar.
Instant access to cash with our network of 38,000 free ATMs across the US.
Real-time notifications each time you spend on your debit card.… View full description on the official store →
CASH BACK FOR ALL
Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account
Cash back means cash: withdraw, spend or save it.
Cash back is instant, straight into your account or Savings Jar.
Instant access to cash with our network of 38,000 free ATMs across the US.
Real-time notifications each time you spend on your debit card.… View full description on the official store →
🆕 What's New · v7.25.0
We're always keeping things running smoothly with regular bug fixes and maintenance. If there's something new, we'll shout about it. (Not literally. Apps can't shout).
📅
What Worked™ · Development Pipeline
11 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-05
🔧
Shipped update — v? → v7.25.0
2026-04
⭐
Rating ↑ 2.79 → 4.90 (improved 2.11★)
2026-04
📈
Crossed 500 ratings — social-proof flywheel kicking in
2023-09
📈
Crossed 100 ratings — social-proof flywheel kicking in
2021-01
📈
Crossed 50 ratings — social-proof flywheel kicking in
2018-03
📈
Crossed 10 ratings — social-proof flywheel kicking in
2017-04
⭐
Rating ↑ 2.60 → 3.00 (improved 0.40★)
2017-03
⭐
Rating ↓ 3.00 → 2.60 (dropped 0.40★)
2016-11
⭐
Rating ↑ 2.33 → 3.00 (improved 0.67★)
2016-11
⭐
Rating ↑ 1.00 → 2.33 (improved 1.33★)
2016-03
🚀
First tracked snapshot — initial data captured
🗣
Voice of Customer
Based on 431 reviews across 9 markets● 57% positive · ● 8% neutral · ● 34% negative · Rating drift: -0.54★ (declining — recent 50: 4.2★ vs lifetime: 4.74★)
VADER compound sentiment per quarter (−1 = fully negative, +1 = fully positive). Each point ≥ 5 reviews.
Sentiment by country (−1 to +1)
🇬🇧 GB
+0.62
🇩🇪 DE
+0.39
🇮🇳 IN
+0.30
🇫🇷 FR
+0.29
🇦🇺 AU
+0.24
🇧🇷 BR
+0.22
🇯🇵 JP
+0.19
🇨🇦 CA
+0.15
🇺🇸 US
+0.15
Top praise themes
customer service ×10 highly recommend ×10 customer support ×6 foreign transaction ×5 credit card ×5 easy set ×4 one place ×4 credit cards ×4
Top complaint themes
customer service ×49 open account ×22 closed account ×14 close account ×13 customer support ×11 offer account ×8 debit card ×7 phone number ×7
Risk signals
Refund mentions: 3.7% Bug mentions: 3% Fraud / scam mentions: 5.1%
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 4.83012★ | 677 | 4.83012★ this version |
| 🇧🇷 BR | 4.60784★ | 255 | 4.60784★ this version |
| 🇨🇦 CA | 4.82514★ | 366 | 4.82514★ this version |
| 🇩🇪 DE | 4.64435★ | 239 | 4.64435★ this version |
| 🇫🇷 FR | 4.78472★ | 288 | 4.78472★ this version |
| 🇬🇧 GB | 4.85792★ | 325,352 | 4.85792★ this version |
| 🇮🇳 IN | 4.76245★ | 1,305 | 4.76245★ this version |
| 🇯🇵 JP | 4.58181★ | 110 | 4.58181★ this version |
| 🇺🇸 US | 4.74533★ | 5,572 | 4.74533★ this version |
🔔
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Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Monzo Bank - Mobile Banking
- Developer
- Monzo Bank Limited
- Bundle ID
- io.b2a.BankProd
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN, ES
Company
- Website
- Not found
- Tagline
- Monzo | Your New Favourite Bank
- Description
- Organise, save & invest with a free UK current account, joint account or business account. Make your money more Monzo.
- Founded
- 2015-02-18
- HQ / Address
- London
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- $7.9M ($7.5M – $8.5M)AI medium
- AI annual estimate
- $94.8M/yr
- ML model estimate / mo
- $33.9K/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
- Socials
- facebook facebook.com/monzobank · instagram instagram.com/monzo · linkedin linkedin.com/company/monzo-bank · youtube youtube.com/monzobank
- Not found
- Phone
- Not found
- Contact page
- monzo.com/help
- About page
- monzo.com/information-about-current-a…
✨AI Revenue EstimateCONFIDENCE: MEDIUM
The revenue for the Monzo Bank iOS app is primarily derived from its subscription services (Monzo Plus, Premium, etc.). In the financial year ending March 2025 (FY2025), these subscriptions generated approximately £75.2 million, which translates to about $94.8 million annually or $7.9 million monthly. The company's overall revenue for FY2025 was significantly higher at £1.2 billion (around $1.5 billion), as the app serves as the primary interface for all banking services.
Sources mentioned: Sacra, Wikipedia, FinTech Global, Quartr, FOREX.com, Vizologi, Business of Apps, Growjo, Fintech Wrap Up, CoinLaw
⭐Recent App Store Reviews49 latest · avg 2.0★ · 18.4% 5★ · 67.3% 1★
5★9 (18%)
4★1 (2%)
3★4 (8%)
2★2 (4%)
1★33 (67%)
+55,744 ratings/week
Praise: great ×4 love ×4 best ×2 amazing ×2 favorite ×1Complaints: terrible ×4 refund ×3 hate ×3 subscription ×3 worst ×3
Top positive
★★★★★ They turn their backs on their customers, in venture for even more money.
Just another selfish company. It's leaving in two months. I personally found this experience to be hands down the best experience I have ever had with any fintech. I hate to see it go, I'm only leaving a 1 star review because I th…
★★★★★ Please don’t go.
Monzo is shutting down USA accounts. The app is so well designed, is reliable and smooth, and doesn’t have intrusive ads or upsells. It also shows my balance from 3rd parties, even my PayPal balance. The option for temporary and disposable …
Top negative
★☆☆☆☆ Bad Service
Why are you criminals still holding onto my money, yet you won’t refund or send back to where it came from. This is wrong…
★☆☆☆☆ Backstabbers
Dumps a whole USA portfolio because it's inconvenient for them. I've notified everyone I know in Europe to sever their use of Monzo services. Despicable!…
📈Ratings growth5,551 ratings+37% lifetimeShow 3-year history estimate ▾
Tracked (54 weeks) Pre-tracking estimate (33 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Monzo Bank - Mobile Banking: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why medium confidence: 5,551 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Monzo Bank - Mobile Banking make per month?▴
Based on our ML-calibrated revenue forecast, Monzo Bank - Mobile Banking earns approximately $33K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Monzo Bank - Mobile Banking?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Monzo Bank - Mobile Banking?▴
Monzo Bank - Mobile Banking is published by Monzo Bank Limited on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Monzo Bank - Mobile Banking's BU Score?▴
Monzo Bank - Mobile Banking has a BU Score of 76/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.