I have the omno credit card and it is good to build your credit but once the 37% apr hits it gets tough.I have another card but could not do a balance transfer on it to clear my omno card.i have froz... See more
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Review summary
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Reviews shaping this summary
Application and Response time was great. Interest rates aren't the best but it's fine.
Company replied
Very quick and easy, had financial problems in the past but this wasn’t taken into consideration, thank you. Lovely welcome email shortly after, looking forward to receiving my card.
Company replied
The Apps is straightforward and easy to understand. Informative, a question in my mind has been answered before I ask. Navigation tools are easy to use. I got immediate results too. JhenDkin
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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
Fora 1st Floor, 35-41 Folgate Street, E1 6BX, London, United Kingdom
- 0330 333 6000
- help@onmo.app
- onmo.app
4.3
Excellent
6k reviews
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This company invites their customers to review, whether positive or negative
Replied to 99% of negative reviews
Typically replies within 24 hours
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I was initially pleased when my Onmo…
I was initially pleased when my Onmo credit card was accepted, particularly as I was offered the lowest APR I have had for years. Although my credit score is poor, I have a good income and have always paid on time.
Unfortunately, my experience with Onmo has been extremely disappointing.
I was unexpectedly asked by Mitek to complete an identity check. I was happy to do so, but technical problems prevented me from completing it. Onmo chat assured me the issue would be escalated, yet I continued receiving countdown messages from Mitek and had to contact Onmo repeatedly.
I provided screenshots as requested, but these were apparently overlooked. I had to contact Onmo again and insist that my previous chats and evidence be checked before the issue was finally escalated.
In the end, I completed the identity check myself by using a different browser, without assistance from Onmo.
I was then asked for three months of bank statements and further documentation. By this point, I had lost confidence in Onmo and did not want to continue providing personal financial information or repeatedly dealing with the same issues.
During one chat, I mentioned that I was dealing with a recent bereavement and was unhappy about having to chase Onmo during an already difficult time. I was therefore shocked to receive questions about my mental health and ability to manage financially. Asking would my ability to pay my credi card be affected. This request for information was part of confirmation that they had recieved my complaint. I had never asked to make a complaint.
I have decided that I want nothing further to do with Onmo. I will repay my outstanding balance of approximately £2,500 in full and continue making at least the required minimum payments.
My feedback is simple: when a technical problem prevents a customer from completing a mandatory process, the company should resolve it rather than repeatedly putting the burden back on the customer. Having to chase repeatedly, repeat information and resubmit evidence has completely undermined my confidence in Onmo.
I would not choose to use Onmo again.
29 September 2026
Unprompted review
Reply from Onmo
Hi There,
We’d first like to apologise for your experience when contacting Onmo for assistance and receiving service that is not to our standard while dealing with a bereavement. We’d like to offer our sincerest condolences.
As you were dealing with technical issues, you should have had a case escalated to our technical team for review so we can get back to you with next steps so we could proceed with the original case. We apologise for automated emails and messages you were receiving while dealing with these issues, and we will share your review with our relevant team to see if there is any way these can be switched off in the event of issues preventing you from uploading your documents.
We’d also like to apologise for any offense caused by follow-up questions asked once you shared that you had a recent bereavement. These questions are meant for our team to understand if you’d require support from our specialist care team. For your complaint, it is likely that due to your experience a complaint was raised on your behalf for a full investigation into your experience could be conducted and help us to improve upon customer journeys.
We understand that your experience has led to you not wishing to use Onmo again, but we would appreciate the opportunity to turn this around and resolve the issues fully. We have reached out to request for further information so we can share your review and account with our Accounts Review Team, Technical Team, and Complaints so we can learn and improve from your experience. If you can get this over to us, we’d really appreciate it. Once again, we’re sorry for the service you received, and we hope to set things right with you.
Team Onmo
absolutly brillant they are someone to…
absolutly brillant they are someone to rely on
3 December 2025
Reply from Onmo
Hi Wayne,
Thank you for your review and for sharing your experience with our services. We're happy to read you've found having your Onmo card to be reliable and helps you out when you need it.
Thanks for being an Onmo customer!
Team Onmo
Very quick and good starting amount
Very quick and good starting amount
27 September 2026
Unprompted review
Reply from Onmo
Hi Lisa,
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
Excellent service and app easy process
Excellent service and app easy process
26 September 2026
Unprompted review
Reply from Onmo
Hi Sheila,
Thank you for sharing your experience when using our mobile app to get your account set up. We’re happy to read that you found the app straightforward and easy to use.
Enjoy your new card!
Team Onmo
Applying was smooth process , digital card access straight away could be a great progress
I liked the fact that everything was smooth and done very nicely without delay but .. why can't I have access to my digital card while waiting for the physical card to arrive!! That would have been a big step up in service
25 September 2026
Unprompted review
Reply from Onmo
Hi Arta,
Thank you for your review and for your feedback on how you’ve found Onmo so far. We are working on getting our card compatible with digital wallets, so please keep an eye on your emails as we’ll be sure to announce once this feature is live.
Team Onmo
Super fast and easy
Super fast and easy. Excellent communication in the process
25 September 2026
Unprompted review
Reply from Onmo
Hi Helen,
Thank you for your review and for sharing how you found our application process. It's great to read that everything was explained to you clearly throughout and we'll have your new card with you soon.
Team Onmo
Reply from Onmo
Hi Cameron,
Thank you for your review and sharing your experience with our services. We're happy to have you as an Onmo customer.
Team Onmo
So it just gets even worse after…
So it just gets even worse after waiting 10 days for the card to activate after giving my details and everything having a green tick next to it, they deactivated it, absolutely scumb bag company, litrally got a picture of my face, my drivers licence and my bank statement, GUYS DONT SIGN UP TO THE crap, you will regret it honestly, let’s see this nonsens fail
26 September 2026
Unprompted review
Reply from Onmo
Hi Bilal,
We understand your frustration at your experience, and we had escalated your previous reviews so that we can try to help. The email you received may have been an automated email and we followed up with our Accounts Review Team to review your case for further assistance.
We are truly sorry for the experience you’ve had and once we have more information, we will have a member of our team get in touch.
Team Onmo
Great service
Great service. All sorted really quickly and received card in a few days
15 September 2026
Unprompted review
Reply from Onmo
Hi Ann,
Thank you for your review and we’re happy to read your Onmo card is in your hands! It’s great that you found getting your account set up and ready to use to be a smooth process.
Thanks for being an Onmo customer.
Team Onmo
Fantastic 🥳
25 September 2026
Unprompted review
Reply from Onmo
Hi Chloe,
Thank you for your review and sharing your experience with Onmo so far. We're happy to read you've had a good experience with us.
Team Onmo
Very easy and quick application
Very easy and quick application. At fair rates. Would definitely recommend 🌟🌟🌟🌟🌟
24 September 2026
Unprompted review
Reply from Onmo
Hi Alexander,
We appreciate you sharing your experience when applying for your Onmo Credit Card and for your feedback on the rate you received.
Thanks for your recommendation and we hope you enjoy your new card.
Team Onmo
Only just joined so open minded at the…
Only just joined so open minded at the moment
23 September 2026
Unprompted review
Reply from Onmo
Hi Jeff,
Thank you for your review. We'll have your new card in your hands soon. If you need any help at all, our Customer Services Team will be here to help. We're available on 0330 333 6000 (Mon - Fri, 9am - 5pm).
Team Onmo
Card blocked without communication
Another poor experience. After trying to use my card at allegedly "suspicious" websites(Paypal ?) my card was blocked without communication to me. The card declined both online and in person when I tried to use it. No text , email or call from Onmo to tell me the card has been paused . It's only after I call customer service that they tell me this and of course they are unable to unblock it. I have to wait for an email from another department which may take up to 10 working days. This is unacceptable. Both the lack of communication when my card was suspected of fraud and how long it's taking to resolve this issue. It's been almost a week now that I haven't been able to use the card. This is my second negative experience and it's been less than a month since I've got this card.
EDIT: The response from the company is laughable. How can it take 10 business days to do additional checks when I've called up and told you I was the one using the card. Even if it wasnt me 10 business days is an abysmal length of time to resolve this. Other companies it would be sorted the same day and I would've been notified.
17 September 2026
Unprompted review
Reply from Onmo
Hi Kevin,
We’re sorry to read that you have not had a good experience with your Onmo Credit Card so far. There are some transactions you would not be able to use your card with, including adding it to PayPal. In these situations, we’ll need to run additional security checks which can take up to 10-business days to be completed, though we work to resolve these cases sooner.
We’ll be sharing your review with our relevant department, so we can work towards improving our customer’s experience and our communications. We would also like to get this sorted for you as quickly as possible. So that we can locate your account, we’ve reached out to request for further information. If you can get this over to us, we’ll be sure to be in touch within 3 business days.
Team Onmo
They made everything easy and the app…
They made everything easy and the app is clear and straightforward.
21 September 2026
Unprompted review
Reply from Onmo
Hi Ray,
Thank you for your review and for sharing your experience on how you found getting your account set up through our mobile app. We're happy to read you found everything easy and straightforward to get through.
Thanks for being an Onmo customer and we'll have your card with you soon.
Team Onmo
Great Customer service
Great Customer service, application straightforward and simple, got accepted in no time, brilliant app ,
17 September 2026
Unprompted review
Reply from Onmo
Hi Nadeem,
Thank you for leaving us your review and sharing your application experience. It’s great to read that you found it to be straightforward and easy to get through. We also appreciate your feedback on our mobile app.
If it hasn't landed with you yet, your new card will be with you soon and thanks for being an Onmo customer.
Team Onmo
Take money from your balance
SHOCKING REVIEW RESPONSE… HOW CAN YOU ADVISE INTEREST IS CHARGED ONCE A MONTH YET TAKE MONEY FROM THE BALANCE DAILY??? Awaiting a response on my complaint as every morning when checking my account amounts are being deducted from my card with no information or transaction details. I have frozen my card so this can’t be external.the amounts push my account over my credit limit therefore I am having to make daily payments while my direct debit is processing. Checked fees information which advises interest is taken monthly so daily amounts should not be disappearing from my account. Watch your balance!!!
22 September 2026
Unprompted review
Reply from Onmo
Hi Kate,
We are sorry to read that you’ve been unsatisfied with your Onmo Credit Card. With Onmo, we calculate interest daily which will reflect in your mobile app balance and it is charged once per month, depending on your monthly payments. If you pay your balance in full, no interest will be charged on your account.
With Complaints, we will acknowledge your complaint within 5 days of receiving it and work to get back to with a full response within 8-weeks though we work to resolve them as soon as possible. We’ll be sure to share your review with our relevant departments as well so we can work towards improving our services.
Team Onmo
Still waiting for card since 21st…
Still waiting for card since 21st August
I applied and was approved for an Onmo card on 21st August. I was told the card would be sent.
As I moved address before it arrived, I contacted support to update my address. I was then asked to complete a second verification, which I did.
Over a month later I am still waiting and have no card. I have contacted live chat multiple times and I am just told to wait with no timeframe or dispatch information.
The app verifies you with photo ID but the card delivery process is extremely slow and communication is poor.
21 August 2026
Unprompted review
Reply from Onmo
Hi There,
We appreciate you sharing your experience with us so we can work towards improvements in our services. For new accounts, we may be required to run additional checks for the protection and security of your account. Typically, these checks would take up to 10 business days after receiving a valid ID and proof of address document.
We’d like to investigate why there has been a delay for you, so we’ve reached out to request for further information. If you can get this over to us, we’ll work to get back to you within 3 business days.
Team Onmo
Awful company
Awful company. KEEP AWAY.
Secret chargers, the worst customer service I’ve dealt with in a long time and they will do anything to prevent you from decreasing your limit. Filling a full complaint.
7 September 2026
Unprompted review
Reply from Onmo
Hi There,
We’re sorry to read that you’ve been dissatisfied with our customer service team. You should not deal with any blockers for requesting to decrease your Credit Limit as we action these requests within 72 hours. When requesting a decrease, we will check that your balance is below the amount you are requesting as this is required before any action is taken.
So that we can look into the matter further and see what you were told, we’ve reached out for further information. We will also be sure to share your review with our Complaints Team to support the investigation into your experience. If you can get this over to us, we’d greatly appreciate it
Team Onmo
Reply from Onmo
Hi Isolde,
Thank you for your review. We're happy to read that you've been happy with being an Onmo customer so far. If you ever need help, our Customer Services Team can be reached on 0330 333 6000 (Mon - Fri, 9am - 5pm).
Team Onmo
Reply from Onmo
Hi Harry,
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
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