Monzo Bank · Finance · United Kingdom
Low risk. 1 critical or high finding in SSL/TLS.
Monzo Bank Limited is a well-established UK digital bank founded in 2015, offering a broad range of personal and business banking services including current accounts, savings, investments, loans, and insurance. The company has positioned itself as a leading challenger bank in the UK with over 12 million customers, leveraging a modern digital platform and strong brand presence. The website reflects a mature digital infrastructure with a responsive design, clear navigation, and comprehensive content tailored to UK residents. Technically, the site uses modern frameworks such as Next.js and React, integrates analytics and marketing tools responsibly, and demonstrates good performance and accessibility standards. Security posture is strong with HTTPS, multiple security headers, and no visible vulnerabilities, although explicit incident response and vulnerability disclosure information is not publicly available. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, the domain registration and WHOIS data align well with the business claims, supporting high legitimacy and trustworthiness.
Scanned
NIS2 Art. 21(2)
This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.
GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.
1 finding rated critical or high. Fix these first.
TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.
Server supports weak protocols: TLSv1.1
What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions
Need hands-on remediation? Email guard@offseq.com
This scan found 11 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.
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Each check with its score, findings and the evidence it collected.
The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.
Counted in this score
Not counted
Findings that cap the score at 49
Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.
Partial scans
When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.
Risk levels
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention monzo.com, from OffSeq Breach.
12 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for monzo.com.
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Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Automated reading of the public site. Ratings are indicative.
Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.
Retrieved 2026-10-25
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