Is monzo.com Safe? Security Analysis for Monzo Bank
https://monzo.comCheck if monzo.com is a scam or legitimate. Free security scan and reviews.
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SEQ SIA
Lastadijas 12 k-3, Riga, Latvia, LV-1050
Reg. No. 40203410806 • VAT LV40203410806
Support: guard@offseq.com • +371 2256 5353
AI Summary
Monzo Bank is a leading UK digital challenger bank founded in 2015, offering a wide range of personal and business banking services including current accounts, savings, investments, pensions, credit cards, loans, and ins… Unlock the full Guard report to read the complete analysis.
Detected Technologies
Keep monzo.com under constant watch
Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.
Security drift alerts
Risk score drops, new high-severity issues, and header hardening gaps
Compliance watch
GDPR / NIS2 posture changes with governance evidence snapshots
Infrastructure surface
Unexpected open services, SSL expiry, DNS & email authentication changes
Content & tracker intelligence
Marketing tech shifts, analytics drift, and AI recommendation updates
Cancel anytime. Alerts sent to the contacts you choose. Unlock the full report to view historical timelines and alerts.
Security Headers
1 finding
95/100
GDPR Compliance
2 findings
83/100
NIS2 Compliance
9 findings
2/100
Email Security
2 findings
87/100
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Snapshot shown below. Unlock the full AI report for complete market insights, audience profiling, and step-by-step recommendations.
Business Intelligence
Market & Strategic Analysis
Monzo operates in the finance sector as an essential entity providing digital banking services primarily targeting UK residents. Its business model focuses on offering free and paid account plans with value-added features like cashback, early salary payments, and investment options. The company leverages partnerships and certifications such as Which? recommendations and FSCS protection to build customer trust. The website's ecosystem includes integrations with social media and marketing tools, supporting a strong brand presence and customer engagement. Monzo's growth is supported by a large customer base and a comprehensive product portfolio, positioning it as a major player in the UK digital banking market.
Extracted Contact Information
Marketing Intelligence Data
Physical Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
Monzo demonstrates a mature security posture with enforced HTTPS, multiple security headers, and domain registration protections. The absence of DNSSEC is a minor gap but does not significantly impact overall security. No exposed sensitive data or vulnerable libraries were found in the website content. However, the lack of a public vulnerability disclosure policy or explicit incident response contacts suggests room for improvement in transparency and incident management readiness. Privacy policies are well implemented, supporting GDPR compliance. Overall, Monzo's security practices align with industry standards for financial institutions, providing a secure environment for users.
Strategic Recommendations
Priority Actions for Security Improvement
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✨Observations
AI-powered comprehensive website and business analysis.
A preview of your strategic observations is visible. Upgrade to unlock the full competitive positioning, trust signals, and branding checklist.
AI-Enhanced Website Analysis
Business Insights
Monzo Bank
Making money work for everyone. Organise, save & invest with a free UK current account, joint account or business account. Make your money more Monzo.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- ClientDeleteProhibited domain status
- ClientTransferProhibited domain status
- ClientUpdateProhibited domain status
- No exposed sensitive data in HTML
- Use of security headers
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with rich content and no blocking.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Some header findings are shown. Unlock to see the full checklist, impacted endpoints, and remediation guidance.
Security Headers
HTTP security headers analysis
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages Unlock the full report to read the complete fix.
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
Preview of GDPR checkpoints is visible. Unlock to reveal full evidence, policy excerpts, and DPIA guidance.
GDPR Compliance
Privacy and data protection assessment
No Data Protection Officer mentioned
LOWLarge organizations may need to designate a DPO under GDPR Unlock the full report to read the complete fix.
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements Unlock the full report to read the complete fix.
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
You can see headline NIS2 checks. Upgrade to access the full control mapping, severity breakdown, and remediation plan.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures Unlock the full report to read the complete fix.
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure Unlock the full report to read the complete fix.
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management Unlock the full report to read the complete fix.
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans Unlock the full report to read the complete fix.
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity Unlock the full report to read the complete fix.
No security contact information
HIGHNIS2 requires clear incident reporting channels Unlock the full report to read the complete fix.
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure Unlock the full report to read the complete fix.
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts Unlock the full report to read the complete fix.
Critical sector without clear security compliance
HIGHDetected sectors: energy, transport, banking, digital Unlock the full report to read the complete fix.
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Quick view of email authentication checks is provided. Unlock to uncover full DNS evidence, record diffs, and fix scripts.
Email Security
SPF, DKIM, and DMARC validation
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery Unlock the full report to read the complete fix.
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues Unlock the full report to read the complete fix.
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
This is a teaser of the TLS audit. Unlock to view certificate chains, cipher support tables, and remediation steps.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1 Unlock the full report to read the complete fix.
OCSP Stapling Not Enabled
LOWOCSP stapling improves performance and privacy Unlock the full report to read the complete fix.
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs Unlock the full report to read the complete fix.
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints Unlock the full report to read the complete fix.
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
Unlock the full DNS posture audit to reveal misconfigurations, zone records, and actionable fixes.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain Unlock the full report to read the complete fix.
Domain Registration Details
DNS Records
DNSSEC Status
DNS Performance
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
See a glimpse of exposed services. Unlock to access full port inventories, CVE lookups, and mitigation priorities.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports Unlock the full report to read the complete fix.
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Unlock to view the complete technical breakdown, stack fingerprinting, and hardening checklist.
Technical Analysis
Comprehensive security assessment findings
Additional Findings
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