Don’t tease us.. 80x would be delightful 
40 will do , not sure whether that’s the first or second croud funders
Monzo is top of the IPO list of possibles this year
Just Google 2026 IPOs
It’s currently already c.28x return for first round investors… I’d be hoping for closer to 80x given the growth
I’m not convinced they’ll IPO this year, next year perhaps
all this TS vs. The Board noise can’t be good for prospects of liquidity in 2026
“We have tried the US several times, and Europe has been pretty underwhelming too,” one said.
This is damning - it seems Revolut has won afterall
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Revolut have won with only 5% of Irish users using it as their main bank account? Come on now you’re joking right?
Monzo are regulated directly by the Central Bank of Ireland making them much more like a regular Irish high street banks vs Revolut who are regulated by the Bank of Lithuania passporting to Europe and Ireland meaning if Revolut fell into trouble its Irish customers would have a massive language barrier hurdle to talk to the Lithuanian regulators to get their money back.
There are many more reasons why this is only the beginning Monzo is a no nonsense bank bringing a simple current account to Irish people imo a lot more attractive than Revolut who are trying to push and upsell way too much
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I’ll always be in the Monzo, not Revolut camp. But you can’t ignore facts because of feelings, Monzo has so far failed to enter any other market.
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Monzo are in early access in Ireland they haven’t fully launched, what you’re saying is based on Monzo not even fully entering their first country outside of the UK. Give it time and read between the line
It’s been ten years and that’s basically the reason TS got sacked
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So after all the effort of those 10 years getting to this point, now they have actually got their EU banking license and entered Ireland they should give up and roll over because Early Access hasn’t seen them gain tens of thousands of customers overnight? Once they’ve fully launched in Ireland if it’s still flat then this analysis is fair but at the moment you’re comparing a giant to early access bank in the very early stages still picking and choosing who they let in.
Not sure if already posted here, but the suggestion is a £6-7bn valuation for Monzo. IPO by end June 2026
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If Monzo et al don’t IPO before the AI bubble pops, it won’t happen for another few years.
If that happens, you’d like to see a multiple higher valuation, wouldn’t be the worst thing!
After ten years — and after helping Monzo grow during its early stages — many Crowdcube investors would welcome a clear and fair route to liquidity.
Some investors may be comfortable holding their shares for another five years or more, and that’s absolutely their choice. But others may be facing major life events such as health issues, financial pressures, or education costs. For them, the ability to sell a portion of their investment could make a meaningful difference.
There are often comments suggesting that anyone who invested through Crowdcube should have fully understood the illiquid nature of crowdfunding. While that’s true in principle, it’s also important to recognise that several groups — including staff, institutions, and senior leadership including the CEO — have reportedly had access to liquidity events over the years. When that happens, the argument that retail investors must simply accept indefinite illiquidity becomes much harder to justify. It’s not an accusation, just an observation that the landscape has changed, and many Crowdcube investors understandably feel left behind.
Recent press coverage has suggested that Monzo may be considering another secondary sale. If that happens, I hope the company ensures that Crowdcube investors are included in any opportunity to sell, rather than limiting participation to internal or institutional holders. Transparency and equal treatment would go a long way toward rebuilding confidence.
Crowdcube investors played a significant role in Monzo’s early success, and it would be reassuring to see the company acknowledge that by offering a fair and proportionate opportunity to participate in any future secondary sale.
I genuinely hope Monzo chooses an approach that recognises and respects its early supporters.
maybe it’s time we all start contacting Monzo to ask for inclusion, does any one know who we can start contacting
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I feel your pain. But I have to give my honest opinion.
Monzo couldn’t give a crap about their retail investors - you are spot on, they have had liquidity events before and excluded retail investors, and I am all but certain that any upcoming liquidity event will also exclude us.
As for an IPO, they’ll probably subject us to a 6+ month lock in, because god forbid our huge slice of the pie would make any difference if we sold up.
You have to look at how companies behave, look for the bs signs, e.g. I once invested in a company called Sound Energy (many years ago) and their CEO, James Parsons (I’m sure that was his name), suddenly started awarding himself a fat salary instead of taking part of his pay in shares and I knew right then it was heading for the dung heap - no skin in the game means no loyalty to your shareholders.
If Monzo exec continue to allow themselves to get rich through private sales whilst we all watch from the sidelines then that speaks volumes to me.
I’m raising this with Soledad Nager, the Director of Investor Relations.
If you feel strongly about it, you may want to do the same.
It’s important that we make our voices heard, as many of us feel the current situation isn’t being handled fairly.
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I assume there are FCA rules around fairness and transparency that apply here should Crowdcube investors be shut out of another secondary sale, so I’m hoping Monzo can explain how this is being handled and what the policy is for non‑staff / Non CEO’s
I’m not making any legal claims — I’m simply asking for clarity on how the process works and how it aligns with regulatory expectations.
Maybe it’s worth reaching out to New CEO as well to see if she is aware.
As a crowdcube investor from the beginning, I’m sympathetic to the sentiment, but also there may be other elements at play we’re unaware of.
Crowdcube obviously went through changes a while ago where they started changing their fee structures to make more money - this may create significant costs for Monzo assuming any secondary sales pre-IPO.
If this is the case, you can argue they’re now in a place to fund it, but whether they would want to or that’s a good use of funds or not is a different story.
Monzo hasn’t cared about it’s crowd investors since 2016, when it needed them for the hype
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Any one hoping to sell in the next secondary share sale should make their wishes known or risk being ignored again.
email the Director of investor relations - she will respond just put @ Monzo .com on the end of their name Soledadnager (Soledad Nager)