Onmo is a brilliant company. Their customer service level is well above standard protocols. I would like to thank a lady called Luca for her help & assistance with my query. I found her to be very... Näytä lisää
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Katso, mitä arvostelun kirjoittajat sanovat
Very simple and straight forward application process. Easy to set up, app is easy to navigate and use, so you know exactly where you are financially.
Yritys on vastannut
It’s an ok card but my only complaints are the fact it doesn’t support Apple Pay and the fact that when changing my address the biometric verification process took weeks to achieve. I can’t comment on... Näytä lisää
Yritys on vastannut
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
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Yrityksen tiedot
Yrityksen kirjoittama
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/
Yhteystiedot
33 Cannon Street, EC4M 5SB, London, Yhdistynyt kuningaskunta
- 0330 333 6000
- help@onmo.app
- onmo.app
4,3
Erinomainen
6 t. arvostelua
On vastannut 100 %: iin saamistaan huonoista arvosteluista
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Kuinka tämä yritys käyttää Trustpilotia
Tutustu arvostelujen ja arvosanojen lähteisiin, pisteytykseen ja moderointiin.
Really easy to use and so helpful.
5. maaliskuuta 2026
Vastaus yritykseltä Onmo
Hi Lisa,
Thank you for your review and letting us know that you found our mobile App easy to use. We’ll be providing your feedback to our team as we’ll continue to work to improve our app for our customers.
Team Onmo
Nice …………..
4. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Mr Dumitru,
Thank you for leaving your review and for sharing your experience with our services. We hope you continue to enjoy using your Onmo card.
Team Onmo
Ok, but research properly first
The application process was easy and you know straight away whether you will be accepted.
Some other aspects are a little confusing, like if you want to withdraw physically money - it doesn’t say what the amount you can withdraw is.
I also feel like I’m on a constant countdown as money goes on interest daily
5. tammikuuta 2026
Vastaus yritykseltä Onmo
Hi Godoy,
Thank you for your review and feedback on our application process. Regarding your cash withdrawal feedback, please check out our FAQs as we have a several articles that detail how your Onmo credit card can be used, and any limits you should be aware of: https://onmo.app/help/faq
Interest is charged on your account if you have an outstanding balance after your statement date, and we won't charge you interest on purchases if you pay the outstanding balance in full. Additionally, we show you the interest accrual within our mobile app so you can always see your account standing if you were to not pay your statement balance in full. We'll be sure to provide your review to our mobile app team so we can work towards making the in-app experience smoother for customers.
Team Onmo
Vastaus yritykseltä Onmo
Hi Miguel,
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
Brilliant and easy to use
3. maaliskuuta 2026
Vastaus yritykseltä Onmo
Hi Phil,
Thank you for taking the time to leave us your review. It's great to read that you find our app and credit card easy to use. Thanks for being an Onmo customer!
Team Onmo
Helpful and very cooperative at a time…
Helpful and very cooperative at a time where your services were needed
3. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi James,
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
Vastaus yritykseltä Onmo
Hi Rhonda,
Thanks for sharing your experience when applying for your Onmo credit card. We’re glad it was a simple and quick application for you to complete. Enjoy your card.
Team Onmo
So straight forward
So straight forward, easy application. App also informaive and easy to use
2. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Ian,
Thank you for sharing your experience when using our mobile app and getting your account set up. It's great to read that you find the app easy to use and we hope you enjoy your new card.
Team Onmo
Good service
2. helmikuuta 2026
Vastaus yritykseltä Onmo
Hi Laszlo,
Thank you for your review and sharing your experience with our services. We hope that you continue to enjoy using your Onmo credit card!
Team Onmo
It's good for me
2. maaliskuuta 2026
Vastaus yritykseltä Onmo
Hi Milinkumar,
Thank you for leaving your review and for sharing your experience with our services. It's great to see you're happy with your Onmo Credit Card.
Team Onmo
The application process was simple and…
The application process was simple and easy to complete.
2. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Samuel,
Thanks for taking the time to leave us your review. It’s great to read that you found applying for the Onmo Credit Card to be straightforward and east to get through. We'll have your new card with you soon!
Team Onmo
repayments jumped massively
As others have said Omno will ramp your interest through the roof once you have a balance, but on top of that they ramp up monthly repayments seemingly without reason. they randomly increase the percentage you repay on a larger balance this can be substantial.
Update after omno reply:
I have never missed a payment, my payments are always on time and ive never gone over my limit.
I see no reason from that why you would need to ramp up interest and payments, I mean other than you have the customer hooked with a balance and now intend to make as much as you can from them as quickly as you can.
Most use Omno because its meant to be aimed at those with lower credit, doing this is harmful and is likely to lead to defaulting on payments.
I am sorry but I can not reccomend Omno, they did start well but that does change after a while
2. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Martin,
With your monthly repayments, your minimum monthly repayment can change each month, depending on your balance and how you managed your previous month’s repayments.
Our Customer Services Team will be happy to help you understand your statement further. We’re available Monday – Friday, 9am – 5pm, where you can start a chat with us directly through the Onmo mobile app or give us a call on 0330 333 6000.
Team Onmo
Final Warning to potential customers
I opened an Onmo credit card in August 2025 at an advertised APR of around 34%. Within a few months, I was notified that following an “interest rate review” my APR would increase to nearly 54% – a rise of around 20 percentage points.
Although I was given the option to opt out, this meant losing access to further spending on the card. I chose to opt out, but this raised serious concerns about whether the original lending was properly assessed for affordability in the first place.
I was not asked to reconfirm my income or financial circumstances before the rate increase was applied. In addition, despite having an active Direct Debit that successfully collected payments, my account was marked as late and I received communications suggesting late fees. The app also displayed contradictory information about the Direct Debit status.
I raised a formal affordability complaint but initially received only an automated acknowledgement, with no meaningful response addressing the substance of my concerns.
Overall, I am disappointed with the affordability assessment, the scale of the proposed rate increase, and the handling of the complaint. I would urge anyone considering this product to carefully review the terms and consider the potential for significant rate changes shortly after opening.
1. maaliskuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Robert,
We understand that you’ve had poor experiences with our services, where we had worked with you through complaints that were escalated. With changes to your APR, we conduct regular reviews where we will not contact customers to reconfirm financial circumstances, as rate changes are not solely based on your usage of the Onmo credit card.
Our complaints team have provided you with the final responses about the APR change and issues you experienced with our frontline teams. We are sorry that you remained dissatisfied and understand why you wish to no longer be an Onmo customer.
Team Onmo
Not had any issues but they approved me…
Not had any issues but they approved me quickly and the card arrived quickly. They started me with a decent credit to start with so overall good experience
1. joulukuuta 2025
Vastaus yritykseltä Onmo
Hi Kate,
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
very simple application process fast…
very simple application process fast desison
28. helmikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Thomas,
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
Another great company so far so good…
Another great company so far so good excellent 👌
4. helmikuuta 2026
Vastaus yritykseltä Onmo
Hi Wayne,
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
These guys are criminals supposed to…
These guys are criminals supposed to have an interest rate of 41.1% yet the minimum payment is £80 a month with £43 interest on a balance of £680. I've had credit cards before but none that charge a minimum payment this high on that kind of balance. I won't be paying them this needs looking into. To top it off I never checked the payment at first, I saw my account was about £4 in credit as I did have a balance on the card figured the statement must have come in. I went back a few days later to check and noticed it was £-0.34 which I found odd I paid £1 just to take it over the balance and then noticed the min payment of £80 I contacted them and got a load of gibberish back that didn't make sense with an affordability pack. I checked my account last week and noticed it had gone from being in credit to now £-8.64 no reason for it. then I checked again today and it's now £-10.34 it's a complete joke. The statement was already done for the month and I was in credit to not being in credit for no reason.
Avoid at all costs they make it up as they go along.
*update
So tell me this my negative balance was £10.34 5 days ago it's now negative £12.58.
You can't charge interest live on a credit card and just take money off the account on a daily basis at whatever amount you want to charge.
It says there is £43.87 interest this period on a £673.73 limit with a £79.66 minimum payment.
which is way too much for a credit card on that limit
Yet when I go into balance break down for the same period as this statement is says the interest is £16.19 not nearly £44
You make it up as you go along.
27. helmikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Gavin,
We’re sorry to read that you’ve been disappointed with your Onmo Credit Card and how your balance has been displayed within the mobile app. If you give us a call on 0330 333 6000 (Monday – Friday, 9am – 5pm) a member of our Customer Services Team will be happy to have a look at your account with you and help with understanding your minimum repayment and balance displayed in the app.
Your dashboard balance can change depending on accrued interest on your account, where if you pay off your full balance each month, interest will not be applied. For your statement balances, these can be viewed in the app by selecting ‘Statements’ from your main dashboard.
Team Onmo
I’m very happy
I’m very happy with the speed, detail and helpfulness of the team to fix my problem.
26. helmikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Ian,
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
No understanding of how to make an app.
No understanding of how to make an app.
Statements get silently added to your app without any notification, no email, no text, so you are forced to manually check.
Secondly, the app shows the balance of the card with applied daily interest, so it will show ever-growing over limit, but when you call up, they tell you you're not over limit and that's just the balance once interest is applied.
Raised a complint so they coudl fix this, replied to my complaint regarding a complelty differnt set of issues, instead of addressing the balance shown to add interest on each day, they explalined how interest is acrued, which I already knew, but this interest is not applied yet.
ALso refused to set up an email or text system to send out alert to inform thier users of a new statment, which, is requiered BY LAW
I wish I never got this card, it will be paid off asap.
27. helmikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Steven,
We appreciate your feedback on our mobile app and the ways we can improve on our service for customers. We’ll be providing your review to our Mobile App Team so we can work towards bettering the in-app experience.
For how interest is displayed, we show the amount of accrued interest as a part of your balance, so you know where your account stands before your monthly repayment is due. If you pay off your full balance each month, the accrued interest will not be applied. We will share your thoughts on how interest is displayed with the right teams as we’ll work on providing more clarity within the mobile app to make account management easier.
Team Onmo
Easy process to follow
Easy, simple, quick process to follow.
Downloaded the app and thats easy to use. You can set up a DD and make it tea payments as and when.
Would recommend
26. helmikuuta 2026
Oma-aloitteinen arvostelu
Vastaus yritykseltä Onmo
Hi Janet,
Thanks for sharing your experience when using the Onmo mobile app to set up your account after being approved. We’re happy to read everything was easy and you found the process user friendly. Enjoy your new card!
Team Onmo
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