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
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Review summary
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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
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Reply from Onmo
Hi Karon,
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
Been waiting for my card for 3 weeks
Been waiting for my card for 3 weeks, at this rate I'm just going to close my account and go to another provider, and I'd say go elsewhere if you're looking for a credit card.
10 September 2026
Unprompted review
Reply from Onmo
Hi Dave,
Thank you for your review, and we’re really sorry to hear you’ve been waiting this long for your card. Delivery normally takes between 3-7 working days, so three weeks suggests something has gone wrong in the dispatch or courier process, and we understand how frustrating that is — especially when you’re ready to start using the account.
We’d like to fix this for you straight away. Please get in touch with our support team so we can check the status of your card, arrange a replacement if needed, and make sure your account is fully set up. We don’t want you to feel you need to go elsewhere, and we’ll do everything we can to put this right quickly.
Thank you again for the feedback — it helps us improve the experience for everyone.
Team Onmo
Exorbitant Interest Rates Undermine Card Utility
The interest rate structure on the Onmo credit card renders it functionally impractical for standard consumer use. With interest rates approaching 50% to 60% APR for many cardholders, maintaining any carrying balance results in punitive financing costs that far outweigh any convenience the card provides.Unless a balance is cleared in full during every billing cycle, the compounding interest quickly becomes an escalating financial burden. Given the abundance of competitive credit products offering far more reasonable rates or balance transfer options in the UK market, this card offers negligible value to consumers. I would not recommend it.
10 September 2026
Unprompted review
Reply from Onmo
Hi Massimiliano,
We appreciate you sharing your experience, and we’re sorry that the card hasn’t delivered the value you expected. Interest rates are personalised and can differ widely between customers, but we understand how important transparency and affordability are. Clearing the balance monthly avoids interest entirely, and many customers use the card this way.
Your feedback helps us improve, and we’d welcome the chance to review your account to see what support options may be available. Please contact our team so we can assist you directly.
Easy to check eligibility and apply.
Easy to check eligibility and apply.
8 September 2026
Unprompted review
Reply from Onmo
Hi,
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
Was easy fast and simple!
Was easy fast and simple!! I am very happy!!
7 September 2026
Unprompted review
Reply from Onmo
Hi Paulo,
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
Very poor on customer service
Very poor on customer service side my direct debit bounced twice (with full funds in as day after payday) but when trying to pay online it won’t accept my card that is set up for direct debit. I have emailed customer service regarding this and have had no response regarding my query. I have now also had a threatening email whilst on holiday that it will be passed to debt collectors!! Not very happy at all especially when I have attempted to make payment!! The app also won’t load when I want to check payment has been recorded and even if I do get into the application the money shows it has been paid but balance has not changed not a very happy customer at all 😡
7 September 2026
Unprompted review
Reply from Onmo
Hi Sarah,
We’re sorry to read that you had issues with your direct debit processing, resulting in receiving automated communications about missing a repayment. We’ll be happy to work with you for this issue and see what happened so we can set everything right. We will also want to get further information on the app issues you’ve experienced so we can work with our technical team and have the issue fixed as well.
We’ve reached out to request for further information so we can escalate your review and have a member of our Customer Care team in touch. If you can get this over to us, we’ll be in touch within 3 business days.
Team Onmo
Reply from Onmo
Hi Keith,
Thank you for your review and sharing your experience when applying for an Onmo credit card. We're glad to read it was a smooth experience and we hope you enjoy your new card.
Team Onmo
It was so easy to apply and navigate
It was so easy to apply and navigate
3 September 2026
Unprompted review
Reply from Onmo
Hi Jane,
Thank you for your review and sharing with us that you found our application process easy to complete. Your card should be with you soon, and we hope you enjoy it.
Team Onmo
So quick and easy I would recommend…
So quick and easy I would recommend this product
7 September 2026
Unprompted review
Reply from Onmo
Hi Barry,
Thank you for your review and sharing your experience with our services. Thank you for being an Onmo customer and for your recommendation.
Team Onmo
Received my card today
Received my card today, wouldnt work on multiple sites, contacted support they said they'd get back to me in 10 days. What is even the point? I cancelled as they come across like they don't know what they are doing.
7 September 2026
Unprompted review
Reply from Onmo
Hi Russell,
We appreciate your feedback and we’re sorry that you dealt with issues when going to use your Onmo credit card. In some instances, further checks may need to be done for some transactions due to any potential risk they may pose.
While checks may take up to 10-working days we aim to complete these sooner. We’d be happy to look into this for you and have reached out for further information so we can help.
Team Onmo
Customer service is disgusting
Customer service is disgusting
Don't bother to respond to emails despite saying will respond within 3 days. A company would suggest public avoid at all costs. Credit products are total rip off insane interest cannot think of one positive to write about them
7 September 2026
Unprompted review
Reply from Onmo
Hi John,
We’re sorry to read that you have not had a positive experience when seeking help from our Customer Services Team. We’ve reached out to request for further information so that we can look into the matter further and get someone in touch to help.
Team Onmo
I contacted Onmo regarding my card…
I contacted Onmo regarding my card activation. Response was I need to upload my proof of address because it wasn't in the 3 mth window. I informed them the bank statement is well in the 3 mth window. Then I get told I will have to wait about 10 days. I stated, why are you sending out cards if you recon there is an issue with documents. The card should have been sent out after this is resolved. They had my bank statement which is in date. So now even though they have the right documents I have to wait 10 days...I would suggest to people don't use this company as they haven't got their process right
7 September 2026
Unprompted review
Reply from Onmo
Hi Elaine,
We appreciate you letting us know about your experience when going to activate your Onmo Credit Card. In some instances, we may need to run additional checks before you’re able to activate your credit card, which can take up to 10 business days. We aim to complete these checks sooner and we’ll be happy to look into the matter further with you to help get your case resolved as soon as possible.
So that we can help, we’ve reached out to request for further information. If you can get this over to us, we’ll be in touch within 3 business days.
Team Onmo
Very smooth and easy to navigate the…
Very smooth and easy to navigate the account opening process
7 September 2026
Unprompted review
Reply from Onmo
Hi Shane,
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
Easy to apply and fill out
Easy to apply and fill out, app is straightforward and simple to navigate.
7 September 2026
Unprompted review
Reply from Onmo
Hi Kevin,
Thanks for taking the time to review Onmo. It’s great to read that applying for your card was straightforward and that you’ve found our app easy to use.
Team Onmo
It was pretty straight forward easy…
It was pretty straight forward easy to fill i. The relevant box's
5 September 2026
Unprompted review
Reply from Onmo
Hi Samantha,
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
Scammed set up card in my name
Scammed set up card in my name. Cant speak to anyone . After leaving this review omno got in touch and sent me a fraud form to fill in.. then radio silence again. 1 week since someone started running up debt in my name and no response
5 September 2026
Unprompted review
Reply from Onmo
Hi James,
We’re sorry to read that you have been a victim of Fraud and that you couldn’t speak to anyone as our Customer Services Team is not available on weekends. Please give us a call today on 0330 333 6000 (Monday – Friday, 9am – 5pm).
Our team will get some information from you so we can escalate the matter to our Fraud Team right away. We’ll work with you to have this resolved.
Team Onmo
Fast efficient application service that…
Fast efficient application service that gives answers in seconds
4 September 2026
Unprompted review
Reply from Onmo
Hi John,
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
Easy application process and account…
Easy application process and account setup.
2 September 2026
Unprompted review
Reply from Onmo
Hi Neil,
Thank you for leaving your feedback. We’re happy to read that you found the application process and setting up your account to be easy.
We'll have your new card with you soon and we hope you enjoy the new addition to your wallet.
Team Onmo
Reply from Onmo
Hi Sumit,
Thank you for leaving your review and for sharing your experience with our services. We hope you continue to enjoy using your Onmo card.
Team Onmo
Reply from Onmo
Hi Cleoverne,
Thank you for your review and sharing your application experience. We're happy to read that you were approved with a credit limit that works for you and we'll have your card with you soon.
Team Onmo
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