They have a number of money making initiatives. As the see themselves as the "hub"[1] for your finances the biggest opportunities I think are probably outside o

They have a number of money making initiatives. As the see themselves as the "hub"[1] for your finances the biggest opportunities I think are probably outside of core lending functions. - Partnership/Affiliate revenue by way of their "marketplace" initiatives. They get a cut of recommending services for customers. Recent examples include new utility (electricity) providers. [2] Also interest/savings accounts. [3] - Monzo Plus - "premium" banking features such as virtual cards, metal cards, access to a curated "cheaper" market place [4] - Monzo Business - business banking, initially focused on small - medium sized business with invoicing, payment and tax management built in [5] - core lending as other customers have pointed out [1]: https://monzo.com/annual-report/2018/ https://monzo.com/annual-report/2018/ [2]: https://monzo.com/blog/2017/09/21/testing-energy-partnerships/ https://monzo.com/blog/2017/09/21/testing-energy-partnership... https://monzo.com/blog/2017/11/16/monzo-marketplace/ https://monzo.com/blog/2017/11/16/monzo-marketplace/ [3]: https://monzo.com/blog/2018/11/01/savings-pots/ https://monzo.com/blog/2018/11/01/savings-pots/ https://monzo.com/blog/2019/05/02/shawbrook-savings-pots/ https://monzo.com/blog/2019/05/02/shawbrook-savings-pots/ [4]: https://monzo.com/plus/ https://monzo.com/plus/ [5]: https://monzo.com/business/ https://monzo.com/business/ https://monzo.com/blog/2019/06/24/business-banking-update/ https://monzo.com/blog/2019/06/24/business-banking-update/