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
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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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Very simple and concise application…
Very simple and concise application process and an answer in seconds very happy
13 August 2026
Unprompted review
Reply from Onmo
Hi There,
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 straightforward to get through.
Team Onmo
An easy process to apply and easy to…
An easy process to apply and easy to understand how every works. A pleasure to find something that is designed for everyone to adapt to very easily. Thank You
13 August 2026
Unprompted review
Reply from Onmo
Hi Lyndon,
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
Application simple and response very…
Application simple and response very quick
13 August 2026
Unprompted review
Reply from Onmo
Hi Peter,
We appreciate you sharing your experience when applying for your Onmo Credit Card. We're happy to read that you found the process simple and received a response quickly.
Team Onmo
Easy to navigate
Easy to navigate through the application and help with any questions.
12 August 2026
Unprompted review
Reply from Onmo
Hi Jdjd,
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 straightforward to get through.
Team Onmo
Stay clear of this credit card company
Stay clear of this credit card company. They are taking advantage of people with poor credit.
Have only had this card two months and my minimum payment has nearly doubled from last month. When I spoke to customer services they pointed out the APR and that there was also some other payment they add to you minimum payment which is not really explained on my monthly statement or during the application process.
The statement can’t even give you an estimated interest that would come off after you’ve made payment, which other credit card companies seem to be able to do.
I have also have noticed that the balance left on my card keeps reducing slightly within the month. When queried, the customer services agent said that they review interest rates daily and this could result in what I have left on my card reducing. I asked how this would affect me if I had spent my whole credit limit, would it take me over (resulting in penalties)? He didn’t have an answer for me.
Omno are not very transparent about how they calculate your payments and mess around with you remaining balance without telling you. I will be paying mines off asap and closing my account… STAY CLEAR OF THEM, THEY’RE CROOKS!
13 August 2026
Unprompted review
Reply from Onmo
Hi Michael,
We appreciate your feedback on your Onmo Credit Card and we’re sorry to read that you have not been satisfied with the experience. Depending on how you’ve been paying your monthly statement, your minimum repayment would increase each month as interest is charged on your outstanding balance after your due date. We will not charge any interest if your monthly statement is paid in full.
For your daily balance, what you were seeing was interest that has accrued on your account with interest being calculated daily. Interest will only then be applied following your statement due date if you do not pay the balance off in full. If you do go over your credit limit, then your card will be locked from further spending until you make a payment that would take you below your credit limit.
We’ll be sharing your review with our relevant teams so we can work towards improvements in how interest is displayed within the mobile app. If you do have further questions, please don’t hesitate to contact our Customer Services Team where you can be transferred to our escalations department for further assistance.
Team Onmo
Reply from Onmo
Hi Steven,
Thank you for your review and sharing your application experience. We're happy to read everything went smoothly and we'll have your card with you soon.
Team Onmo
Reply from Onmo
Hi Blessing,
Thank you for leaving your review and for sharing your experience with our services. We're happy to have you onboard as an Onmo customer.
Team Onmo
poor.... seems like credit cards gone back in time
Signed up online, approved quickly and card arrived quick too, added card to app and then unable to use online or via chip and pin, customer service is non existent , wait on chat (app) it times out as you're waiting so long, only signed up via a credit monitoring company as the rate is less than what I pay on my current cards, credit cards are not difficult and shouldn't be , but Onmo seem to make it so, wouldnt recommend , as I cant get hold of them ended up emailing them to say close my account. In the age where banks/ Fintech is all about speed efficiency and being user friendly, Onmo are the opposite, unreliable and expect the market will swallow them up, plenty of providers on offer, cant see them surviving, remember peeps if they ever go under they can recall any debt on demand (as can all other card companies) but expect they will be losing customers once people realise what they have signed up for
10 August 2026
Unprompted review
Reply from Onmo
Hi There,
Thank you for providing your information so we could investigate the situation further. We can see that your transaction was blocked due to the transaction being attempted with a merchant that we do not support. Typically, what would happen is that a case is raised to our Accounts Review Team where we will review the transaction and have your card unlocked.
Unfortunately, we can see that our team had closed your account following your email to request this. Now that the account is closed, we'll be unable to re-open it.
We'd like to apologise for your experience and we will be using your review as feedback to improve our services.
Team Onmo
Applied and was accepted very fast with…
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 responsible use these services are good and give added protection on purchases alongside your statutory consumer rights.
9 August 2026
Unprompted review
Reply from Onmo
Hi Darren,
Thank you for your review and for letting us know how you found the application process and how you felt well informed throughout the process.
Thank you for joining Onmo and we'll have your card with you soon.
Team Onmo
Beautiful user experience
Very excellent user experience on the app. Ease of use is second to none. Thank you for being so very thoughtful to meet the needs of your customers
8 August 2026
Unprompted review
Reply from Onmo
Hi Akin,
Thank you for sharing your experience when using our mobile app and getting 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 quik and profesional
8 August 2026
Unprompted review
Reply from Onmo
Hi Peter,
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
Reply from Onmo
Hi J,
Thank you for leaving your feedback. We’re happy to read that you found setting up your account to be easy on our mobile app and we hope you enjoy your Onmo card.
Team Onmo
Easy application and good app.
8 August 2026
Unprompted review
Reply from Onmo
Hi Angela,
Thanks for taking the time to leave us your review. It’s great to read that applying for your Onmo Credit Card was easy for you. We also appreciate your feedback on our mobile app.
We'll have your new card with you soon.
Team Onmo
Quick & Easy
Fast, easy application. Everything ran smoothly! Looking forward to joining the Onmo community
6 August 2026
Unprompted review
Reply from Onmo
Hi Jules,
Thanks for sharing your experience when applying for your Onmo credit card. We’re glad it was an easy application to complete and we'll have your new card with you soon.
We're happy to have you onboard as an Onmo customer!
Team Onmo
Horrible experience
Horrible experience, money was being siphoned off and going goodness knows where, and customer service had no reasonable explanation, they also held a pending payment for a whole Month, despite the transaction being cancelled. I do NOT recommend ONMO. I paid off my credit balance in full, and happy that I’m well rid of that awful company
1 July 2026
Unprompted review
Reply from Onmo
Hi SR,
We appreciate your feedback on the Onmo Credit Card and we're sorry to read that you were not happy with our services. With pending transactions, they would typically clear within 3 – 5 business days. However, there are instances where a pending transaction may take up to 30-days to update its status on your account.
We'll provide your review to our relevant departments so we can work towards improvements with our transaction processes.
Team Onmo
Quick and efficient
Quick , not overtly intrusive , easy and logical.
4 August 2026
Unprompted review
Reply from Onmo
Hi MR,
Thanks for leaving your review and sharing your experience when applying for your Onmo credit card. We’re happy to read it was a quick and easy process to get through and we hope you enjoy your new card.
Team Onmo
It’s a very quick easy simple process…
It’s a very quick easy simple process to apply. The interest rates are very high. In fact the highest I’ve ever seen on a credit card.
5 August 2026
Unprompted review
Reply from Onmo
Hi Hans,
We appreciate your feedback on our application process and the rate you were approved for. We'll be sharing your review with our relevant teams to take your feedback on board. With your monthly repayments, please remember that if you pay your full statement balance each month, then interest will not be applied to your account.
Team Onmo
No Faff
Application was so easy and decision immediate. Unlike other providers there were no unnecessary, intrusive questions to navigate either, excellent all round.
5 August 2026
Unprompted review
Reply from Onmo
Hi Grant,
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 straightforward to get through.
Team Onmo
My delivery arrived today after writing…
My delivery arrived today after writing a review that it was not. I like the product!
5 August 2026
Unprompted review
Reply from Onmo
Hi AD,
Thank you for taking the time to leave us your review and sharing your experience with the Onmo credit card. We're happy to read that you've been satisfied with the product.
Team Onmo
Excellent Service No Hassle Fast…
Excellent Service No Hassle Fast Outcome 👌 Highly Recommend.
5 August 2026
Unprompted review
Reply from Onmo
Hi Frances,
Thank you for sharing your recent experience of applying for your Onmo card. It’s great to read that everything went smoothly.
We appreciate your recommendation and hope you enjoy your new card.
Team Onmo
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