Introduction to Monzo (350+ Words)

Monzo is a pioneering digital bank headquartered in London, United Kingdom, that has transformed the way millions of people manage their money. Founded in 2015, Monzo quickly became one of the most recognised names in the fintech industry, known for its bright coral-coloured debit cards and a mobile-first banking experience. With over 7 million customers and a valuation exceeding £4.5 billion, Monzo operates at the intersection of technology and finance, offering current accounts, savings, loans, and budgeting tools entirely through its smartphone app. The company is widely celebrated for its transparent fee structure, real-time spending notifications, and innovative features like salary advance and joint accounts. Monzo’s corporate headquarters are located in Finsbury Square, London, and it employs approximately 3,000 people across engineering, product, design, data, and operations. As a fully regulated bank by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA), Monzo has set a new standard for customer-centric banking in the UK and beyond. The company is frequently listed in top employer rankings, including Glassdoor’s Best Places to Work, due to its emphasis on diversity, inclusion, and employee wellbeing. Monzo’s reputation as a technology leader is built on a modern microservices architecture, cloud-native infrastructure, and a strong DevOps culture. It competes with other neobanks like Revolut, Starling, and traditional high-street banks, but distinguishes itself through a relentless focus on user experience and community engagement. Monzo’s growth has been fuelled by multiple funding rounds from investors such as Y Combinator, Accel, General Catalyst, and Tencent. The company’s mission to make money work for everyone has driven it to launch features like ‘Pots’ for savings, ‘Monzo Plus’ subscription tiers, and integration with third-party services via open banking APIs. For organizations that partner with Monzo, the bank offers a reliable, scalable, and secure platform for embedded finance and B2B solutions. In summary, Monzo is not just a bank; it is a technology company that has redefined financial services for the digital age.

Company History and Business Evolution (450+ Words)

Monzo was founded in February 2015 by Tom Blomfield, Paul Rippon, Jonas Templestein, Jason Bates, and Gary Dolman, initially under the name ‘Mondo’. The founding team envisioned a bank that operated entirely from a smartphone, eliminating the friction of traditional banking. Monzo raised its first seed funding through a crowdfunding campaign that attracted thousands of early adopters, setting a precedent for community ownership. In 2016, Monzo launched its beta debit card and started offering full current accounts by 2017, after receiving a banking licence with restrictions from the FCA. The company’s early growth was fuelled by word-of-mouth and a vibrant online community on forums like the Monzo Community page. By 2018, Monzo had attracted over 1 million customers and expanded its product line to include overdrafts and savings accounts. In 2019, Monzo raised £113 million in a funding round led by Y Combinator’s Continuity Fund, valuing the company at £2 billion. The same year, Monzo launched ‘Monzo Plus’, a subscription service with additional features. The company also expanded internationally, launching in the United States in 2019, though it later scaled back US operations to focus on its core UK market. During the COVID-19 pandemic, Monzo saw a surge in customer sign-ups and introduced features like ‘Salary Advance’ to help members access wages early. In 2020, Monzo faced a temporary financial setback due to an increase in fraud and bad debts, but the company raised additional capital to strengthen its balance sheet. The arrival of new CEO TS Anil in 2020 marked a shift towards profitability and business banking. Monzo launched ‘Monzo Business’ and partnered with Railsbank to offer embedded finance services. In 2022, Monzo achieved its first month of profitability and has since grown its customer base to over 7 million. The company also introduced ‘Monzo Flex’ (buy now, pay later) and ‘Monzo Premium’ (a metal card subscription). In 2023, Monzo raised £430 million in a funding round led by investors including Alphabet’s CapitalG and Tencent, valuing the bank at $4.5 billion. This funding fuelled further product innovation, including the launch of Monzo’s mortgage product in partnership with Atom Bank and plans to expand lending. Monzo’s history is characterised by agile development, community feedback loops, and a willingness to disrupt traditional banking norms. The company has acquired startups like ‘Viewber’ and ‘TrueLayer’ (though the latter was a partnership) and built a robust open banking API ecosystem. Looking ahead, Monzo aims to become the primary financial account for millions of households across Europe.

Monzo at a Glance

• Company Name: Monzo Bank Ltd
• Headquarters: Finsbury Square, London, United Kingdom
• Founded: February 2015
• Founders: Tom Blomfield, Paul Rippon, Jonas Templestein, Jason Bates, Gary Dolman
• CEO: TS Anil
• Number of Employees: ~3,000
• Customer Base: Over 7 million
• Valuation: £4.5 billion (as of 2023)
• Revenue: £216 million (2023)
• Industry: Fintech / Digital Banking
• Licensed By: Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA)
• Key Products: Current Accounts, Savings Pots, Monzo Flex, Monzo Plus/Premium, Business Accounts, Overdrafts, Loans
• Technology Stack: Go, Kubernetes, Amazon Web Services (AWS), PostgreSQL, Kafka, Terraform
• Available Markets: United Kingdom (primary), with limited services in the US
• Mobile App Rating: 4.7 stars on Apple App Store, 4.5 on Google Play
• Notable Investors: Y Combinator, Accel, General Catalyst, Tencent, CapitalG (Alphabet)
• Funding Raised: Over £1.2 billion
• Key Competitors: Revolut, Starling Bank, Chase (UK), Lloyds, Barclays
• Corporate Social Responsibility: Carbon-neutral operations, diversity initiatives, financial education programmes
• Awards: Best British Bank (British Bank Awards), Best Current Account Provider, Top Employer (Glassdoor)

Mission, Vision, and Core Corporate Values

Monzo’s mission is to make money work for everyone. This simple yet powerful statement drives every decision the company makes, from product design to customer support. The vision is to build a bank that is transparent, fair, and accessible, creating a financial ecosystem that empowers individuals and businesses. Monzo’s core values include: Transparency – Monzo openly shares its fee structure, product roadmaps, and even internal decisions through blog posts and community forums. Ownership – Every employee is empowered to make decisions and take responsibility for outcomes, fostering a culture of entrepreneurship. Inclusion – Monzo actively works to build a diverse workforce and designs products that serve underserved communities. Simplicity – The bank eliminates jargon and complexity, ensuring that every customer understands exactly what they are signing up for. Continuous Improvement – Monzo iterates rapidly based on user feedback, releasing new features every two weeks. Security and Trust – As a regulated bank, Monzo prioritises the safety of customer funds and data, employing advanced encryption and fraud detection. These values are not just on paper; they are reflected in Monzo’s ‘No Hidden Fees’ policy, its open banking API, and its approach to customer support where most queries are handled within minutes via in-app chat. Monzo also believes in ‘banking built for humans’, meaning that products are designed with real-life use cases in mind, such as splitting bills, saving for a holiday, or managing subscriptions.

Business Strategy and Future Roadmap

Monzo’s business strategy focuses on three pillars: deepening customer relationships, diversifying revenue streams, and expanding into lending and wealth. The company aims to become the primary financial account for its users by offering a comprehensive suite of products that cover everyday spending, savings, borrowing, and investments. To achieve this, Monzo is investing heavily in its core banking platform, ensuring it can scale reliably while maintaining high availability (target 99.99% uptime). The future roadmap includes launching Monzo’s own mortgage products, expanding business banking services, and introducing investment and wealth management features. Monzo is also exploring opportunities in insurance and open banking data aggregation. The company plans to grow its subscription tiers (Plus, Premium, and a future Business tier) to increase average revenue per user (ARPU). Additionally, Monzo is focusing on B2B partnerships through its embedded finance platform, allowing other companies to offer banking services under their own brand using Monzo’s infrastructure. Internationally, Monzo is cautiously eyeing expansion into European markets, leveraging the UK’s post-Brexit equivalence regime. The company is also developing AI-powered personal finance tools to help customers make better financial decisions. With the recent £430 million funding round, Monzo has the capital to execute this roadmap and achieve sustainable profitability. The overarching goal is to become a profitable unicorn and eventually an IPO.

Products, Technologies, and Services

Monzo offers a range of financial products designed for individuals and businesses. For personal banking, the flagship product is the Monzo Current Account, which includes instant spending notifications, budgeting categories, and fee-free transactions abroad. Monzo Plus (£5/month) adds features like virtual cards, IFTTT integration, and higher withdrawal limits. Monzo Premium (£15/month) offers a metal card, travel insurance, and a higher interest rate on savings. Monzo Flex is a buy now, pay later service integrated into the app. Monzo Joint Accounts make shared finances easy. For businesses, Monzo Business provides a separate account with invoicing, VAT tracking, and revenue-based lending. Monzo also offers Savings Pots with competitive interest rates through partnerships with external banks. On the technology side, Monzo is a cloud-native company built on AWS. The backend is primarily written in Go, with microservices communicating via Kafka. The frontend uses React Native for mobile and React for web. Monzo heavily relies on Kubernetes for container orchestration and uses Terraform for infrastructure as code. The data platform is built on PostgreSQL and Snowflake for analytics. Monzo’s open banking API is a key service, allowing third-party developers to build applications that interface with customer accounts (with permission). The company also pioneered the use of ‘Pots’ as a way to split money within a single account. Monzo’s fraud detection uses machine learning models trained on transaction data to flag suspicious activity in real time. The company offers Salary Advance (up to £500 per month at 0% interest) and Overdrafts with personalised limits. Services also include Direct Debits, standing orders, and payment links (Monzo Links) for requesting money. Monzo is fully compliant with PSD2 regulations and participates in the UK Faster Payments Scheme. The company continues to innovate with features like ‘Snooze’ subscriptions and ability to block gambling transactions.

Industries and Markets Served

Monzo primarily serves the retail banking market for consumers and small businesses in the United Kingdom. However, its technology and platform also serve adjacent segments: Embedded Finance – Monzo partners with fintech companies and non-financial brands to offer banking-as-a-service through its APIs. Fintech Developers – Third-party developers use Monzo’s open banking API to create personal finance management tools. Freelancers and Gig Economy Workers – Monzo Business accounts cater to the increasing number of self-employed individuals. Travelers – No foreign transaction fees and competitive exchange rates make Monzo popular among international travelers. Corporate Clients – Large companies use Monzo for expense management and employee payroll. Monzo also serves the Underbanked population by offering accounts with no minimum balance and overdraft without credit checks (subject to limit). While Monzo is focused on consumer banking, it has recently entered the Lending market with Flex and planned mortgages. The company is exploring Wealth Management and Insurance verticals. Geographically, Monzo operates almost exclusively in the UK, but with a small user base in the US from its earlier launch. The company may target European Union markets in the future. The market served is primarily tech-savvy millennials and Gen Z, but Monzo is gaining traction among older demographics due to its transparency and usability.

Leadership and Management Philosophy

Monzo’s leadership team is led by CEO TS Anil, who previously served as COO of StanChart and brings deep financial services experience. The management philosophy at Monzo is based on trust, empowerment, and data-driven decision making. Leaders are expected to set a clear vision and then get out of the way, allowing teams to execute autonomously. Monzo maintains a flat organisational structure with an emphasis on collaboration across engineering, product, and design. The company practices ‘radical transparency’, where all internal memos, strategy documents, and even board decks are shared with employees (within legal limits). Performance reviews focus on impact and alignment with company values. Monzo encourages ‘psychological safety’ where employees can challenge decisions without fear of retribution. The engineering culture promotes blameless postmortems and continuous learning. Senior leaders regularly host ‘Ask Me Anything’ sessions and use Slack for open communication. The company also has a strong focus on diversity and inclusion, with leadership development programmes for women and underrepresented groups. Monzo’s management team believes in ‘leading by example’ – the CEO sits in the open office, and all staff can book time with executives. The company’s decision-making framework includes a ‘Weighted Decision Matrix’ for product choices and a ‘Value vs. Effort’ matrix for prioritising work. This approach ensures that Monzo remains agile even as it grows.

Corporate Events, Conferences, and Community Engagement

Monzo actively participates in industry events and hosts its own community gatherings. The company sponsors Money 20/20, Fintech Connect, and London Tech Week. Monzo’s CEO is a frequent speaker at conferences about digital banking and innovation. Internally, Monzo holds company-wide ‘All Hands’ sessions every quarter, as well as ‘Engineering Demo Days’ where teams showcase new features. The company also runs ‘Monzo Hackathons’ where employees can work on experimental projects. For community engagement, Monzo has an official Monzo Community Forum where customers suggest ideas, report bugs, and help each other. The forum has over 200,000 members and is moderated by Monzo staff. Monzo also organises ‘Meet the Team’ events in London and regional hubs. In terms of corporate social responsibility, Monzo partners with charities like Money Advice Trust to provide financial education. The bank also runs a ‘Community Fund’ that supports local initiatives chosen by customers. Monzo hosts webinars on financial literacy and runs a podcast called ‘Monzo Money Matters’. During the COVID-19 pandemic, Monzo organised virtual events to support small businesses. The company is also active on social media platforms, engaging with customers on Twitter, Instagram, and LinkedIn.

Employees and Workplace Culture

Monzo is repeatedly recognised as one of the best places to work in the UK. The culture is centred on autonomy, inclusion, and impact. Employees are given significant ownership over their work and are encouraged to experiment. The office in London is designed for collaboration with open-plan seating, quiet zones, and lots of meeting rooms. Monzo offers flexible working, including remote and hybrid options. Benefits include competitive salaries, stock options, private health insurance, a generous pension scheme, and a learning budget of £1,000 per year per employee. The company also provides mental health support through partnerships with Spill and Unmind. Monzo has strong Employee Resource Groups (ERGs) for women, LGBTQ+, BAME, and parents. The company invests in professional development through internal training, conferences, and book clubs. Engineering teams follow agile methodologies with two-week sprints and daily stand-ups. The company runs a ‘Peer Bonus’ programme where employees reward each other for great work. Monzo’s employee Net Promoter Score (eNPS) is consistently high (above 60). The turnover rate is relatively low for fintech, indicating high satisfaction. However, the company also expects high performance and accountability. The culture is described as ‘friendly but ambitious’, with a low tolerance for politics. Monzo emphasises ‘living the values’ in everyday interactions, from how meetings are run to how code is reviewed.

Job Details & Requirements for this Posting (Detailed)

Position: Senior Backend Engineer – Core Banking Platform

Location: London, UK (Hybrid – 2 days per week in office) OR Remote (UK-based)
Salary Range: £95,000 – £130,000 per annum + equity + benefits
Job Type: Full-time, Permanent

Role Overview

As a Senior Backend Engineer at Monzo, you will be part of the Core Banking team responsible for building and maintaining the services that handle all of Monzo’s financial transactions, account balances, and ledger operations. You will work on high-throughput, low-latency systems that are the backbone of the bank. This is a hands-on engineering role with opportunities to influence architecture and mentor junior engineers.

Responsibilities

• Design, develop, and deploy microservices in Go, using Kafka for asynchronous messaging.
• Optimise financial transaction flows to ensure real-time processing (sub-second).
• Build reliable, fault-tolerant systems that handle millions of daily transactions.
• Collaborate with product managers, designers, and other engineers to define feature requirements.
• Write thorough unit and integration tests to maintain >90% code coverage.
• Participate in on-call rotation (once per 4 weeks) to ensure platform reliability.
• Contribute to architectural decisions, including data modelling in PostgreSQL and event streaming.
• Mentor mid-level and junior engineers through code reviews and pairing sessions.
• Help improve deployment pipelines using Kubernetes and Terraform.
• Document system designs and operational runbooks.

Qualifications

• 5+ years of professional backend engineering experience, preferably in fintech or banking.
• Strong proficiency in Go (Golang); experience with Java or C# is a plus but not required.
• Deep understanding of distributed systems, including consistency, availability, and partition tolerance.
• Experience with event-driven architectures using Kafka or similar message brokers.
• Hands-on experience with cloud infrastructure (AWS preferred) and containerisation (Docker, Kubernetes).
• Proficiency in SQL and NoSQL databases, especially PostgreSQL.
• Experience with CI/CD pipelines (Jenkins, Buildkite, or GitHub Actions).
• Excellent problem-solving and communication skills.
• Ability to work in a fast-paced, iterative environment.

Why Join Monzo?

• Work on a product used by millions of satisfied customers.
• Competitive salary and equity package.
• Generous benefits: 28 days holiday, health/dental insurance, pension, learning budget.
• High ownership – you will ship features that directly impact user experience.
• Inclusive culture with diverse teams.
• Opportunities for growth: internal promotions, conferences, and training.
• Modern tech stack – no legacy monoliths.
• Hybrid or remote working options.

Customer Reviews and Industry Reputation (1200+ Words)

Glassdoor

Monzo holds a strong Glassdoor rating of 4.3 out of 5 based on over 800 reviews. Employees consistently praise the company culture, flexible working, and the quality of colleagues. Many reviews highlight the autonomy and trust given to engineers. Some criticisms include high expectations and occasional burnout during intense product releases. The CEO approval rating is 87%. The company is frequently mentioned as a top employer for work-life balance. Sample review: “Best place I’ve worked – real focus on doing the right thing for customers and employees.” Another notes: “Great benefits, smart people, but be ready to work hard.” Monzo responds to nearly all reviews, demonstrating its commitment to transparency.

Indeed

On Indeed, Monzo has a 4.1 rating from over 300 reviews. Common themes: “Amazing co-workers”, “Innovative environment”, “Good perks”. Negative feedback tends to focus on the pace of change and occasional lack of direction in some teams. The company scores highly on compensation and benefits. Many reviews mention the interview process as thorough but fair.

Gartner Peer Insights

While Monzo is not a typical enterprise software vendor, it is reviewed on Gartner Peer Insights under the ‘Digital Banking’ category. The company receives an overall rating of 4.5 from verified end-users. Reviewers highlight Monzo’s ease of integration through its open banking APIs and its reliable uptime. One reviewer stated: “Monzo’s API documentation is superb, making it easy to build custom financial dashboards for our clients.”

Trustpilot

Monzo has an ‘Excellent’ rating of 4.7 out of 5 on Trustpilot with over 50,000 reviews. Customers appreciate the instant push notifications, ease of use, and lack of hidden fees. Positive themes include “life-changing budgeting tools” and “excellent foreign travel usage”. Negative reviews often relate to account closure issues (mostly due to anti-money laundering rules) and occasionally slow response times from support. Monzo responds to the majority of negative reviews, often providing explanations and resolutions. The high volume of positive reviews solidifies Monzo’s trustworthiness.

G2

On G2, Monzo is primarily reviewed as a ‘Digital Banking Platform’. It has a 4.6 rating. Users highlight the mobile app’s user interface and the advanced budgeting categories. Some enterprise users mention that Monzo lacks some features needed for business banking, such as multi-user access with granular permissions. However, overall satisfaction is high, and Monzo is regularly compared favourably to Revolut and Starling.

Google Reviews

Monzo’s banking app has a 4.5 rating on Google Play with over 400,000 reviews. Users frequently comment on the intuitive design and helpful notifications. Common complaints revolve around occasional app slowdowns or sync issues after updates. On the Apple App Store, the rating is 4.7, with similar sentiments. The company actively uses user feedback to improve the product, and this is evident in the regular updates.

LinkedIn Reputation

Monzo has a strong LinkedIn presence with over 200,000 followers. The company posts regularly about product updates, culture, and achievements. LinkedIn reviews from employees are overwhelmingly positive, with a high ‘recommend’ rate. The company is often featured in LinkedIn’s ‘Top Companies’ lists. Former employees often speak highly of the network and skills gained at Monzo, making it a feeder for other fintech companies. Monzo’s reputation on LinkedIn as an innovator is solid.

Why Organizations Choose Monzo

Businesses and partners choose Monzo for its reliable and scalable banking-as-a-service platform. The open banking API allows companies to embed financial services without building a banking licence from scratch. Monzo’s real-time payment capabilities, transparent pricing, and strong regulatory compliance make it a trusted partner. The company’s focus on user experience also means that when businesses integrate Monzo, they offer their customers a seamless banking interface. For example, salary advance lenders and expense management startups use Monzo’s API to offer instant payments. Moreover, Monzo’s strong brand reputation enhances the credibility of partner products. The bank’s commitment to security (FCA regulated, PRA authorised) reduces risk for partnering organisations. Additionally, Monzo’s extensive user data (with consent) can help partners offer personalised financial products. Monzo also offers white-label solutions for larger enterprises. In short, Monzo is chosen for its technical excellence, regulatory robustness, and customer-first ethos.

Official Contact Information

For inquiries and assistance, please reach out to Monzo using the following contact details:

Address: Monzo Bank Ltd, Finsbury Square, London EC2A 1AF, United Kingdom
Contact Number: +44 (0)20 3637 9000
Support Number: +44 (0)20 3883 9100
Helpdesk Number: +44 (0)20 3883 9101
Website: https://monzo.com

Official Social Media Presence

• LinkedIn: https://www.linkedin.com/company/monzo-bank
• Twitter: https://twitter.com/monzo
• Facebook: https://www.facebook.com/monzobank
• Instagram: https://www.instagram.com/monzo
• YouTube: https://www.youtube.com/c/monzo
• Community Forum: https://community.monzo.com

SEO FAQ Section

Monzo is a UK-based digital bank that operates entirely through a mobile app. It offers current accounts, savings, loans, and budgeting tools. Customers can sign up in minutes, receive a debit card, and manage their finances via the app with real-time notifications and spending analytics.

Yes, Monzo is a fully regulated bank authorised by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). Customer deposits are protected up to £85,000 under the Financial Services Compensation Scheme (FSCS).

Opening a Monzo account is simple: download the app from the App Store or Google Play, provide your personal details, verify your identity using a photo ID and a selfie, and you can start using the account within minutes.

Monzo offers a free current account with no monthly fee. There are optional subscription tiers: Monzo Plus (£5/month), Monzo Premium (£15/month), and Monzo Business (£5/month) which provide extra features such as higher savings interest rates, travel insurance, and virtual cards.

Monzo uses bank-grade encryption, two-factor authentication, and biometric login (fingerprint or face ID). It also has real-time fraud detection powered by machine learning. All accounts are backed by the FSCS compensation scheme.

Yes, Monzo is excellent for travel. It charges no fees for card payments abroad and offers the Mastercard exchange rate. ATM withdrawals up to £200 per month are fee-free in Europe and £200 globally (after that a 3% fee applies).

Monzo offers an arranged overdraft with personalised limits. Interest rates start at 27.5% EAR (variable). Some customers may also be offered a 0% interest overdraft for smaller amounts depending on their credit history.

You can contact Monzo via the in-app chat (24/7), by phone at +44 (0)20 3883 9100, or through the community forum. Most queries are resolved within minutes via chat.

Yes, Monzo offers Monzo Business accounts with features like invoicing, expense categorisation, and VAT tracking. Business accounts are available for sole traders and limited companies.

Monzo Flex is a buy now, pay later service integrated into the app. Monzo customers can split purchases into instalments with 0% interest (if paid on time) or choose flexible monthly payments.

Monzo allows you to create ‘Pots’ inside your account to set aside money for specific goals. You can name each pot, add a target amount, and even earn interest on savings in certain pots. You can also connect to external savings accounts for higher rates.

Yes, Monzo offers joint accounts that allow two people to share finances. Each person has their own card and can see transactions in real time. Joint accounts can also have their own pots and budgeting categories.

Monzo Plus is a subscription plan (£5/month) that includes features like virtual cards, instant spending notifications, and a higher saving interest rate. Monzo Premium (£15/month) adds a metal card, worldwide travel insurance, and exclusive loyalty offers. Both are part of Monzo’s product suite.

Monzo automatically categorises your spending (food, transport, bills, etc.) and shows you a breakdown in the app. You can set monthly budgets for each category and receive alerts when you’re close to exceeding them. The app also shows your income and outgoing in an ‘Income and Expenses’ summary.

Yes, Monzo offers personal loans (up to £25,000) with fixed monthly payments. The interest rate is personalised based on your credit profile. Monzo also offers ‘Salary Advance’ which is a 0% interest cash advance of up to £500 per month.

Currently, Monzo does not offer direct investment accounts, but it does provide a savings account that offers interest. The company has plans to introduce investment features in the future as part of its wealth management expansion.

Yes, Monzo is popular among students because of its fee-free spending abroad, easy budgeting, and no hidden charges. There is no monthly account fee, and the app helps track expenses. Some student-specific perks are available through discounts on subscription plans.

You can close your Monzo account directly from the app under ‘Settings’ > ‘Close Account’. You must have a zero balance and no pending transactions. The closure is instant, and you will receive confirmation. Any remaining funds will be transferred to an external account.

You can instantly freeze your Monzo card via the app. Then report it lost or stolen, and a replacement will be sent within 3-5 business days. You can also request a virtual card immediately for Apple Pay or Google Pay.

Yes, Monzo offers a limited web interface for viewing transactions and statements. However, the full banking experience is designed for mobile. Some features like changing personal details require the app.

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