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
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Review summary
Created with AI, based on recent reviews
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Reviews shaping this summary
Applied and was accepted very fast with lots of information as to how to manage the credit facility responsibly. Also info on help should you find yourself in difficulty. I think that under respon... See more
Company replied
Very easy access to the card. Surprisingly smooth and quick verification process with the approval decision given in seconds. I always weary of organisations I am not familiar with but so far, everyth... See more
Company replied
So far so good,am awaiting delivery of the card,but the application process was easy to understand and a quick process.Hopefully my card arrives soon and we take it from there
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
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The experience was easy
The experience was easy, but i down graded jist because there is not a digital card option. But thats all.
27 August 2026
Unprompted review
Reply from Onmo
Hi Matthew,
Thank you for your review and feedback. We're happy to read you found it to be an easy experience. For digital wallet support, this is something we're working towards so please keep an eye on your emails for when the feature is available.
Team Onmo
Reply from Onmo
Hi Annemarie,
Thank you for your review and feedback on our application process. Thanks for being a part of Onmo.
Team Onmo
Clear easy to navigate quick process
Clear easy to navigate quick process
26 August 2026
Unprompted review
Reply from Onmo
Hi Julie,
Thank you for your review and for sharing how you found our application design. We're glad it was clear and easy to navigate through without taking up too much of your time.
Team Onmo
Quick and easy to apply
25 August 2026
Unprompted review
Reply from Onmo
Hi Brian,
Thanks for sharing your experience when applying for an Onmo credit card. We're glad that it was all easy for you and hope you enjoy your new card.
Team Onmo
Reply from Onmo
Hi Fiona,
Thanks for leaving your review and sharing your experience when applying for your Onmo credit card. We're happy to read that you found it easy to get through and found the information throughout helpful.
We'll have your new card with you soon and thank you for being an Onmo customer.
Team Onmo
Reply from Onmo
Hi Maura,
We’re happy to read that applying for your Onmo card was an easy experience for you. It's great to see you received a quick response and we'll have your card with you soon. Thanks for leaving your review.
Team Onmo
Easy application and instant decision
Easy application and instant decision, the app gives a lot of great information too. Just awaiting the card to finish the set up, but so far so good.
23 August 2026
Unprompted review
Reply from Onmo
Hi Mr. Hodge,
Thank you for sharing your experience and how you found our mobile app to get your account set up. We’re happy to read everything was easy and you found the process user friendly. Enjoy your new card!
Team Onmo
Very easy and quick application.Good…
Very easy and quick application.Good credit limit and low apr to go with it.Would reccomend to people wanting a lower apr than many other cards.
22 August 2026
Unprompted review
Reply from Onmo
Hi Simon,
Thanks for your review! It’s great to see that you were approved with a credit limit that works well for you and we appreciate your recommendation.
We hope you enjoy using your Onmo card.
Team Onmo
scammers setting up accounts and using…
scammers setting up accounts and using my email address. no adequate checks
made to ensure details are correct
23 August 2026
Unprompted review
Reply from Onmo
Hi There,
We appreciate you making us aware that an Onmo card had been taken out fraudulently in your name. We do have protections in place to try and prevent this from happening, and if it does occur, we have a dedicated Fraud Team to fully investigate the matter and assist you with getting the account closed.
If you haven’t yet, please contact us on 0330 333 6000 (Mon – Fri, 9am – 5pm) to report this to us directly. We’ll get a case raised and begin our investigation.
Team Onmo
Excellent service fast and very good.
Excellent service fast and very good.
Thanks
21 August 2026
Unprompted review
Reply from Onmo
Hi Stephen,
Thanks for sharing your experience when applying for your Onmo credit card. We’re glad it was a quick application to complete, and we hope you enjoy your card.
Team Onmo
I have had a good experience with…
I have had a good experience with onmo.card has been dispatched.Everything is clear and easily understood.
22 August 2026
Unprompted review
Reply from Onmo
Hi Janet,
Thanks for your review and sharing how you found our application process. We’ve designed our application to make sure customers are well-informed throughout. We’ll have your card with you soon and thanks for being an Onmo customer.
Team Onmo
Easy to apply maybe to easy...
Easy to apply maybe to easy.... then your unable to activate the account. Tild ten working days as your account has been sent to the accounts team.
You wait the alotted time..... nohing. Chase them on chat get told passing you to Accounts team left there fir 3 1/2 hrs
Call 24 hrs later .... oh it takes 10 working days( been there done that) .
Shoddy,waste of time, a right load of B@@@ocks
21 August 2026
Unprompted review
Reply from Onmo
Hi Paul,
We’re sorry to read that you haven’t had a good starting experience with Onmo. In some cases, we may need to run additional checks before you can activate your card. While we aim to complete these checks as soon as possible, it can take up to 10 business days.
We’ll be sharing your review and feedback with our Accounts Review Team so that we can work towards improving our services.
Team Onmo
How NOT to run a credit card company…
How NOT to run a credit card company 101. What a bunch of cowboys.
1. They claim no direct debit setup so don’t take a payment. Bank proves there is and no attempt made. Failed payment charge!
2. They told me not to make a manual payment as it would result in a double charge, so i didn’t…no DD collected again. Failed payment charge.
3. APR changed from 34.3% to….79.56% LOL!!
Support take weeks/months to respond. Then always with a useless response.
Raised a complaint. We’ve had a look and done nothing wrong, soz…
Something very wrong with this lot.
What a bunch of jokers.
20 August 2026
Unprompted review
Reply from Onmo
Hi Brian,
We’re sorry to read that you’ve been unsatisfied in your experience with Onmo. With Direct Debits, you’d be able to check on your Onmo mobile app if you had a Direct Debit set up at the time of when your repayment was due. If there was a Direct Debit set up and processing when you were looking to make a payment, you’d be advised not to pay manually to avoid making an overpayment on your account. We are not able to cancel or change Direct Debits for customers and this managed directly through the Onmo mobile app or cancelled with your bank directly.
For the change in your APR, this is because we regularly review our pricing to make sure it reflects current market conditions and the overall cost of providing credit. You have the option to opt out of the increase to prevent your APR from changing. When opting out, your card will be frozen, and you can take as long as you need to pay down your balance at your current rate.
We’ll be sharing your review with the relevant teams so we can take on your feedback and word towards improving our services.
Team Onmo
Had my card a few months
Had my card a few months, no issue, then bam! they up the apr by 7%!. Never had an increase like that, and never known another provider to do this. Seems they offer you a standard rate and then whack it up once you've used the card, pretty underhand! I've declined the increase and blocked the card, will pay off balance and never use again.
20 August 2026
Unprompted review
Reply from Onmo
Hi Chris,
We appreciate your feedback and understand that you’ve Opted Out of the increase, to ensure your APR does not change and have your account closed once your balance reaches £0.
We regularly review our pricing to make sure it reflects current market conditions and the overall cost of providing credit. We’ll also be providing your review and feedback to our relevant departments.
Team Onmo
Super quick and easy
19 August 2026
Unprompted review
Reply from Onmo
Hi Suzi,
We’re happy to read that you’ve had a positive experience when getting set up for your Onmo card. Thanks for leaving us your review.
Team Onmo
Application straight foward set up good…
Application straight foward set up good app easy to use too
19 August 2026
Unprompted review
Reply from Onmo
Hi Paul,
We’re happy to read that applying for your Onmo card was straightforward and easy. We also appreciate your feedback on how you've found our mobile app to get your account set up.
Thanks for being an Onmo customer.
Team Onmo
Got my new card activated it and it was declined…
Got my new card activated it and was declined in first shop then again in 2nd very embarrassing still awaiting new card
13 August 2026
Unprompted review
Reply from Onmo
Hi Alyson,
We’re sorry to read that you had some issues when going to use your new Onmo Credit Card. In some instances, a transaction may require further checks before it can be processed. When you receive your new card, and if you have any issues, please give us a call on 0330 333 6000 (Monday – Friday, 9am – 5pm) so we can investigate the matter with you and ensure it is not a card issue.
We will also share your review with our relevant departments so we can improve our services.
Team Onmo
Bad customer service rang five times to…
Bad customer service rang five times to get my card replaced never was sent then got a card then couldn’t activate it rang them and get told I have to wait 10 more days cancelled there offer off me having to wait another 10 days to use my new card and parted dealings with Ommo with immediate effect
19 August 2026
Unprompted review
Reply from Onmo
Hi William,
We’re sorry to read about your experience which led to you closing your account with Onmo. In some instances, we may need to run additional checks if any details are needing to be updated on a new account. While we typically complete these checks sooner, we do advise it can take up to 10 business days for them to be completed.
Once again, we are sorry that you did not have the best experience and we’ll be sharing your review with our relevant departments so we can work towards improving our services.
Team Onmo
Very easy application and install of…
Very easy application and install of app.
18 August 2026
Unprompted review
Reply from Onmo
Hi David,
Thank you for your review and for letting us know how you found the application process and in-app experience.
We’re happy to have you onboard as an Onmo customer.
Team Onmo
Quick and easy to apply,rates are ok
19 August 2026
Unprompted review
Reply from Onmo
Hi Stuart,
Thanks for taking the time to leave us your review. It’s great to read that applying for your Onmo Credit Card was a quick and easy process for you to get through.
We'll have your new card with you soon!
Team Onmo
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