Hadn’t heard of that but yeah you can definitely imagine them catching a bid from their users. Would be super cool if crowdfunders were able to have their shares transferred into Monzo from Crowdcube from day 1.
Do any of these regulations guarantee all the shareholder rights for people holding via nominee structures? I’m not really knowledgeable in this area but IMO this needs to happen eventually.
Also interested in what specifically you’re interested in regarding these new regulations? Is there any home runs or something that are really cool?
Alright, sorry for being lazy but here is what my ai assistant told me about these acronyms and why they’re significant to monzo.
…
How might LSEs new poatrs and pops benefit monzo in an IPO?
The regulatory updates you are referring to—the UK’s new Public Offers and Admissions to Trading Regulations (POATRs) and the Public Offer Platforms (POPs) regime—represent the most significant shakeup to the London IPO landscape in decades.
As Monzo advances its plans for a highly anticipated London Stock Exchange (LSE) listing (targeting a £6–7 billion valuation), these regulatory shifts directly address the traditional bottlenecks of listing in the UK. They offer Monzo several clear advantages:
1. Seamless Retail Integration (The Power of 12 Million Customers)
Monzo’s biggest competitive advantage is its hyper-engaged user base of over 12 million customers. Neobanks ideally want to turn their users into shareholders during an IPO.
CMC Markets
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The Old Friction: Previously, coordinating a massive retail offering alongside institutional books required long timelines and heavy compliance hurdles.
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The POATR Benefit: Under the new rules, the mandatory period for a prospectus to be made public before a retail offer closes has been slashed from six working days to just three. This shorter window dramatically reduces market exposure risk, allowing Monzo to execute a swift, unified IPO that targets institutional funds and app users simultaneously without the pricing volatility of a drawn-out retail window.
Latham & Watkins
2. A Pathway for “App-Based” Crowdfunding (The POPs Regime)
The Public Offer Platforms (POPs) framework turns crowdfunding platforms into heavily regulated, FCA-authorized entities capable of handling large-scale public raises outside of traditional exchange listings.
FCA
- While Monzo is aiming for a Main Market float (meaning it will bypass a POP for the actual IPO, as listings carry their own “on-market” exemptions), the POP infrastructure establishes a clean regulatory playbook for mass-scale retail participation. If Monzo chooses to execute any pre-IPO liquidity rounds or secondary market sales for early staff and users, authorized POP frameworks provide a streamlined, compliance-ready structure to pool thousands of smaller investors efficiently.
3. Protection for Growth Forecasts (The “Negligence” Safe Harbor)
Fintech companies rely heavily on forward-looking statements—user growth targets, cross-selling revenue, and international expansion milestones—to justify tech-style multiples to public investors.
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Under the old UK Prospectus Regulation, directors faced incredibly strict liability for these statements if things didn’t go precisely to plan.
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The new POATR framework establishes a lower standard of liability (a “negligence” standard) for specific forward-looking statements in the prospectus. This means Monzo’s management can provide the market with clearer, more ambitious long-term growth projections without the paralyzing fear of shareholder litigation if a minor metric misses its mark.
Macfarlanes
4. Effortless Post-IPO Scaling
One of the historical complaints about the LSE was the cost and friction of raising secondary capital after the initial float.
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The POATRs solved this by raising the threshold at which a company must publish a full, expensive, FCA-approved prospectus for secondary share issuance from 20% all the way to 75% of their existing capital.
Skadden
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If Monzo wants to rapidly fund an acquisition (e.g., buying a European wealth manager or a US lending infrastructure piece) post-IPO by issuing new shares, it can do so almost instantly without the multi-month delay and multi-million-pound cost of drafting a new prospectus.
By radically reducing the friction of retail participation and giving growth companies more breathing room on future projections, the LSE’s updated rulebook directly complements Monzo’s identity as a community-driven, fast-scaling fintech.
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The ability to recruit retail investors from day one will save them a ton and rid them from the extra power they have to hand over to Private Equity giants for their valuation.
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Anybody else tired of holding Monzo shares with seemingly no news or progress on an investing / shareholder front?
10 years is too long, two years without news is too long…
I suggest to write to Head of Investor Relations Soledad Nager. If all crowdfunding investors do it maybe they would take us into account in a secondary sale.
They absolutely will not. They are not going to make a huge financial decision because of a few letters.
You knew what you were getting in to when you invested and what the timeframe could be.
Sit tight. You’ll get your payday.
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Chill,
People have personal timeframes and constraints.
My point was 2 years without news for any private investment is a long time, the comms is poor.
The signalled timeframe has moved multiple times, the comms is poor.
I don’t want to sell, i’m tired of holding a stock with NO NEWS.
10 years is a long time, I just want to be informed better - the IR team at Monzo must spend all day doing nothing.
So what. Absolutely nothing to do with Monzo.
What timeframe is that? When did Monzo tell you there would be an IPO?
Just sat waiting for you to write them a letter.
Do you not get the annual investor updates? I don’t expect any more regular updates than that myself.
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Chill, why are you such an angry little fellow?
All other comparative startups have offered liquidity opportunities to investors.
And…
Also to be clear, I was in the very earliest cohorts of Mondo alpha users, have always and will always support them, I’m just saying I think they’ve been poor on public expectation management and Comms with existing shareholders (crowd anyway)
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I’m not angry at all. You’re reading tone because your entitled attitude has got you all antsy.
“Expected” “Potential” “Could happen”
So no, Monzo have not said there would be an IPO at any stage.
Same.
And I disagree with you, I think the communication levels have been fine for what I put money into, what my expectations are, the current market positioning, the pandemic, and everything else happening.
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My AI friend disagrees with you.
Perhaps you should reflect on your language, rather than suggesting it’s my “entitled attitude”
Yeah fair enough, we all have our own expectations - none are objectively correct
Monzo will IPO whenever they want. A few investors complaining on their abandoned forum unfortunately isn’t going to change anything. Neither will emails, or being rude to people.
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You couldn’t have proven my point any better if you tried.
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Confirmation bias
When Monzo finally IPO each share will be worth 0.01p 
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