Pros: Monzo truly values transparency and openness, making it a unique company to be part of. Everyone feels empowered to question any decision and make their opinions heard. We work alongside the brightest people from around the world and there are no egos to be seen. There is huge potential for career advancement at Monzo, and we've already seen plenty of people make the transition from customer support into engineering, for example. The management at Monzo is very supportive of its employees. We have very flexible hours and have a wide range of benefits generally not seen at a company of this size or age.

Cons: There are growing pains with a company growing at this pace. This is a workplace where common and best practices change every few weeks, potentially along with whatever you're working on. Many projects are seen as "ship and iterate". Some might find this exciting, others can find it exhausting. As we grow, the culture will probably change, and only time will tell how well that works out. Since culture is such an integral part of the company, it will be a pain point if it isn't figured out.

Pros: Exciting and demanding work where you are expected to be great at what you do. There's a real sense of achievement and purpose within the team. The company as a whole is very directed and focused on building the bank. There's a strong internal culture and community and it's easy to make friends. The remuneration package comes with lots of stock option and everyone in the company gets options. Flexible hours and relaxed in office policy. Hyper growth is super exciting.

Cons: They go hand in hand with the pros - it's a startup that is still on its launchpad - achieving profitability is the big sword of Damocles above and that is a constant driver. Its very busy and sometimes it is difficult to carve out time to ask questions or to get training. You need to be quite self sufficient to work in some teams. Pay is below market rate (you get stock). Hyper growth is painful sometimes.

Pros: The team and culture internally are great.

Cons: Management struggled to generate revenue around 2019, and there was high staff turnover. It looks better now.