I mean, they should really be trying to go public at a time when the market is likely to pump the stock price. I think the market is quite volatile for a float now, but I haven’t see any other financial stocks float to see. Not that I’ve been looking.
This should come over any “I would like it to be done in 2021 or 2023” etc
I say we all march to Monzo HQ and demand the IPO 
I´m not saying they are going to do a secondary sale because of some emails. I´m saying that if they do a secondary sale they could consider including us if we keep reminding them.
Revolut did include Crowdfunding investors in their secondary sale. Not out of the ordinary. @Revels: You can thank me later…
They use to be a lot more enthusiatic about their numbers and communicating with crowd investors until Tom left. I’ve been an early user and investor too. I think as they grow in size and importance, crowd investors have lost the customer acquisition machine title. So we’re left a bit on the side. But I do think they will announce something soon. With all the new moves, there most be a big investment that has landed to fatten the valuation 
I’d be happy with a £10B valuation.
They also just crossed the 1M line in business banking customers, which is a first a digital bank. My money is literally on Monzo 
You still own the initial investment amount. And with growth - and therefore increased value - the investment you made will only grow too.
Patience. As a wise forum-member once said “only invest what you are willing to lose now, with a chance of getting it, or considerably more, later when the time comes.”
No-one knows when that time is. But if you invested, you’ll get the benefits of the growth when the time comes.
I’m not in a hurry to exit
And as someone who invested in many startups first raises, I know full well it is a big gamble.
I’m more excited to hear their next big news.
So far they’ve been preparing the terrain for something big.
And I’m curious
Depends how many of them people actually putting money in the accounts. 999,999 dead businesses and Jo wanting the card would be a net loss
Really is. I remember losing my investment on Jaja because they rug pulled crowdfunders while moving entity to a UK one. Share price honoured was like 0.10 per share in the new company.
I’ve been building a startup for 5 years now. If you know anything about running a business, you also know that no business owner will go around opening business accounts just for the sake of having a card.That doesn’t mean these are multi millions/billions pounds businesses either. I understand you take great pleasure at counter argue with people on here. But 1m business users is a great acheivment. From any angle.
Agreed 
Nice quote
Personally I always treated the money I invested as chucked over the fence with a hope of getting it back, not getting too hung up on it
My eyes were open going in
This wasn’t the point I was making. It’s a good statistic, but better would be usage statistics.
Sole trader / Ltd split would also be nice. Also, I don’t want an argument. I don’t have time to argue on here, summer is busy at work and I’m already working 6 days a week.
I think it’s more that they have a healthy confidence in their own opinions (which is fine) 
Well, I read the other day that the business customers have collectively put £1B in various pots. This gives us a fair average per account. And it’s just the pots. I’d think that they have money in their current accounts for everyday activities like I do with our two business bank accounts.
Revels - Revels, are you affiliated with monzo in any capacity, and do you actually hold any Monzo crowdfunding shares.
I have to agree with this. I work with some clients who have not IPO’d but have done investor funding rounds in sites like Crowdcube.
There is so much going on behind the scenes that you don’t know about that delay a IPO. The smallest thing can delay a IPO for years and years.
A couple of letters will yes show your discomfort to the head of investor relations but that wont sway their decision in anyway.
Monzo will a huge list of reasons for delaying their IPO.
I have worked with some businesses who where ready for their IPO and then a small thing ended up delaying it again.
So just hang tight and wait for your Monzo Pay Day!!!
Revel — looks like your post got flagged, so I didn’t get to read it. But it would be interesting to see if you actually do hold crowdfunding shares.
Two lines always get repeated whenever crowdfunding investors speak up:
“you knew what you were getting into”
“crowdfunding shares are high risk and illiquid.”
Both are true in general, but Monzo isn’t the early‑stage startup those lines refer to anymore. It’s been profitable for multiple years and is now one of the biggest UK banks by customer numbers. Risk still exists — but it’s not 2016.
On liquidity: Monzo’s own annual report shows that in October 2024 a secondary sale allowed staff and executives to sell £109m of shares. That demonstrates liquidity can exist when Monzo chooses to facilitate it.
Crowdfunders weren’t included in that event. That’s a decision by Monzo, not an unavoidable “crowdfunding issue.”
Some investors want to hold forever. Others would welcome the option to sell if a future liquidity event is offered. Both positions are valid.
Personally, I’d like the chance to sell my investment ASAP — ideally via a secondary sale, which would likely be quicker than waiting for an IPO (and any lock‑in period that might come with it).
If Monzo were to run another staff‑only sale AGAIN without offering any route for crowdfunding investors to participate, I believe that would raise questions worth exploring. That’s my personal view, not a legal conclusion.
I think whether someone has shares in Monzo or not is ultimately moot. You can’t shut someone out of a discussion or invalidate their opinion purely based on that.
You’re equally entitled to have your own opinion too. However, Monzo never defined an exit strategy for investors; they were always clear that investing carried risk, with repeated warnings not to invest more than you could afford to lose. The word “lose” is important here, because investors were never guaranteed a return or entitled to a specific outcome.
What other businesses have done, what Monzo should or could do, or decisions they’ve made that have left some people feeling excluded are all valid opinions to have. But they are still opinions, rather than obligations Monzo is accountable for.