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
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
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
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
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
Asks customers to review
This company invites their customers to review, whether positive or negative
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.
Good job good appreciation rispons
18 September 2026
Unprompted review
Reply from Onmo
Hi Deep,
We're happy to read that you were satisfied with the application process. Thanks for leaving us your review and we'll have your card with you soon.
Team Onmo
They charge daily interest no matter…
They charge daily interest no matter how much you have to spend on the card. Wish i never applied for it now.
4 September 2026
Unprompted review
Reply from Onmo
Hi Dean,
Thank you for sharing your feedback on how you’ve found your Onmo credit card. With interest, this is calculated daily but will be charged once a month, depending on what you pay on your due date. If you pay your balance in full, then no interest will be applied on your account.
If you have more questions, please don’t hesitate to reach us on 0330 333 6000 (Mon – Fri, 9am – 5pm) and a member of our Customer Services Team will be happy to help.
Team Onmo
Reply from Onmo
Hi Marcelle,
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
I can't sent money abroad for unknown…
I can't sent money abroad for unknown reason
And when I took £10 at cash machine,I was charged £5
Ridiculous
17 September 2026
Unprompted review
Reply from Onmo
Hi Ruta,
We appreciate your feedback and will share your review with our relevant teams. For ATM withdrawals, there is a fee of 5% or £5, whichever is greater. We have details of our fees on our FAQs, which you can access through the Onmo mobile app.
For transferring funds, we do support Balance Transfer Outs, but this would not be the same as sending funds abroad. If you have more questions on how you can use your Onmo credit card, please give us a call on 0330 333 6000 (Mon – Fri, 9am – 5pm). A member of our customer services team will be happy to help.
Team Onmo
Very easy to apply for
Very easy to apply for, I would recommend this company if you’re trying to build your credit rating, I got accepted straight away and everything was straight forward, would highly recommend, if you’re after a no nonsense approach to re building your credit rating, then this is the card for you.
17 September 2026
Unprompted review
Reply from Onmo
Hi Sharon,
Thank you for sharing your experience and letting us know how you found the application process.
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
Reply from Onmo
Hi Truley,
Thank you for your review and we're glad you found the application process to be informative. Thanks for being an Onmo customer.
Team Onmo
A very easy process
A very easy process, took less than 5 minutes, thank you
16 September 2026
Unprompted review
Reply from Onmo
Hi Kim,
Thank you for your review and sharing with us that you found our application process quick and easy. Your card should be with you soon, and we hope you enjoy it.
Team Onmo
Just quick and easy process
Just quick and easy process.
Love the app easy to use
16 September 2026
Unprompted review
Reply from Onmo
Hi Heather,
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 easy to get through.
We also appreciate your feedback on our mobile app. We'll be sure to share your review with our design team.
Team Onmo
Fast efficient and very user friendly…
Fast efficient and very user friendly process to navigate.
15 September 2026
Unprompted review
Reply from Onmo
Hi Brian,
Thanks for your review and sharing how you found our application process and that it was easy to navigate. We’ve designed our application to make sure customers can get through it quickly while staying informed about the Onmo credit card.
We'll have your card with you soon!
Team Onmo
BE CAREFUL
BE CAREFUL, seems like this company are collecting YOUR personal details, copies of legal documents and probably just selling them on! Is this a real company or a circus?
Accepted me, completed all the ID and address verification, digitally signed all the legal documents. Received "welcome" emails which stated new card was on its way and i would just need to activate the card when it arrives. The app also stated that as soon as I receive my card I just needed to activate it through the app, .
Received the card through the post, but alas could not activate it. I spoke to their customer service agents, and they told me that they had not completed their checks and I had to wait a further 10 working days for them to complete them, despite them sending me a card and a welcome email!!
I have today, looked in the app to find that they have closed my "account" despite not having done a "hard search" (only a soft search during initial eligibility check) on my credit file! Therfore what checks have they done? Now they've left me concerned that they will just be selling my private and personal data on.
This company is constantly being pushed by all the credit reference agencies, so much so that their website even states you can only apply through an agency and NOT direct with this circus themselves- RED FLAG!!
After I applied i found out that you cant even add the card to Google or Apple wallets, so I doubt it would've got much use, who carries cards with them nowadays?!
MY VERDICT:
Stick with a well known professional company that actually knows how to operate, and you know that your data will be kept safe and secure, that is unless you need a card for scraping ice off your windscreen in the winter!
17 September 2026
Unprompted review
Reply from Onmo
Hi Simon,
We appreciate your feedback and we’re sorry for the frustration that following further checks by us, your account was closed. In some cases, before a customer can activate their card, we will be required to run additional checks which can result in an account closure.
We’d like to reassure you that these documents are provided on a secure platform, and your data is not used for any other purposes other than fully verifying your account. You can review our Privacy Policy, found in the Onmo mobile app, to see how your data is used with us. The additional checks conducted includes reviewing of data received from credit reference and fraud prevention agencies. While we can’t comment on the specific details for this decision, you will have received an email with more details found in our Terms and Conditions.
For applications, we currently work with 3rd part aggregator partners only. While Google Wallet/Apple Pay are not available at the moment, this is something we are working towards.
We’re sorry that we can’t assist further, but please refer to the email we would have provided following our checks.
Team Onmo
Reply from Onmo
Hi Michelle,
Thank you for your review and sharing your experience with our customer services. We're happy to see that you were satisfied and we'll be sharing your review with our team.
Team Onmo
It was easy and good to apply for…
It was easy and good to apply for credit card thank you onmo
15 September 2026
Unprompted review
Reply from Onmo
Hi Mohammad,
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 well organized and helpful
14 September 2026
Unprompted review
Reply from Onmo
Hi Godfrey,
Thank you for your review and sharing how you've found your Onmo experience. We appreciate your feedback and hope you enjoy having this card as an addition to your wallet.
Team Onmo
I have just taken a credit card out…
I have just taken a credit card out with you. however I have had and do have other providers who gave a first time larger credit limit as you only give 500 pounds I think this is more of a insult than a limit so think first time limits should be higher as most probably takes you years to raise it
15 September 2026
Unprompted review
Reply from Onmo
Hi Justin,
Thank you for your review and for your sharing your feedback on your starting credit limit. While we will be sure to share your review with our relevant team, please keep an eye on your emails as you use your Onmo credit card.
If you become eligible for a credit limit increase, we will send you an email to notify you where you will then be able to accept the offer. If, for any reason, you haven’t accepted an increase offer we will also send you a text message to remind you of the offer. We hope this helps.
Team Onmo
very fast application and great help by…
very fast application and great help by approving even if i have a poor credit score
14 September 2026
Unprompted review
Reply from Onmo
Hi Valy,
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
Fantastic company really quick response…
Fantastic company really quick response great team would highly recommend many thanks x
15 September 2026
Unprompted review
Reply from Onmo
Hi Paul,
Thank you for letting us know about the great service you received from us! We appreciate you for your recommendation and taking time out of your day to share your experience. We’ll be sure to share your review with your team.
Team Onmo
It was an easy process to apply
It was an easy process to apply and been accepted
14 September 2026
Unprompted review
Reply from Onmo
Hi Cus,
Thanks for taking the time to leave us your review. It’s great to read that applying for your Onmo Credit Card was am easy process for you and you received a quick response.
Team Onmo
I easily get what I want and the…
I easily get what I want and the process is is very easy.
11 September 2026
Unprompted review
Reply from Onmo
Hi Olushina,
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
Reply from Onmo
Hi Kerry,
Thank you for taking time out of your day to leave us your review. We appreciate your feedback and we’re happy to read it was an overall good experience.
Team Onmo
What can I say? 😑
What can I say? Applied, accepted, uploaded documents, card arrived, and that's where the issues started! Unable to activate card. Told "it's because you didn't upload your documents". Incorrect! Documents uploaded on day of application (September 2nd). Passed from pillar to post and eventually told I would have to start the verification process again. Enquired what happened to my original documents and was told that Onmo's third party verification company 'may' not have received them. May not? So where did my documents go then??? That's a serious concern surely? Apparently not for Onmo, they just ignore your concerns, send another 3rd party verification email and tell you to wait another 10 days!
7 September 2026
Unprompted review
Reply from Onmo
Hi Nicole,
We apologise for the experience that you have had with us regarding this process. As a regulated lender we pride ourselves on ensuring that all of our customers have a good experience with using our services, however we understand that we may have fallen short on this occasion. We can confirm that your account was escalated for review today and sent you an email earlier this afternoon to advise on the actions taken.
Team Onmo
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.