360° Institutional Intelligence Report
MONZO BANK LIMITED
Reg. 09446231 · GB · active · 09 August 2026
Overview
Coverage statement
Coverage status: PARTIAL. Sources that ran and returned data: Companies House (UK), Google Programmable Search. Sources skipped or not applicable: No PEP screening provider configured. Risk domains NOT reflected in the composite score: PEP. Partial assessment. The following screens did not run and are NOT reflected in the score: PEP.
Why this rating
Derived from the stored score, not written by a model
72 out of 100 — high risk, serious findings — enhanced due diligence is expected. The number is driven mainly by sanctions & watchlists and adverse media.
This scale runs from 0 to 100 and HIGHER MEANS MORE RISK. 0 would be a counterparty with nothing adverse found by any screen that ran; 100 is the worst case. It is not a quality or credit score, where a high number would be good.
What is driving the number
Sanctions & Watchlists is high — a substantiated adverse finding.
Adverse Media is high — a substantiated adverse finding.
Regulatory & Enforcement is high — a substantiated adverse finding.
Litigation is elevated — findings exist and are not trivial.
Points shown are each domain's contribution to the composite (its score × the weight actually applied).
What is holding it down
Transparency Risk scored low — these screens ran and found nothing of substance, which is a real result rather than an absence of searching.
What was not checked
1 screen(s) did not run: Politically Exposed Persons. Their weight was redistributed across the domains that did run, so the score reflects only what was actually checked — it is not evidence that those areas are clear.
What would change this rating
- If the sanctions & watchlists findings were reviewed and dismissed as false positives, the score would fall by roughly 28 point(s).
- If the adverse media findings were reviewed and dismissed as false positives, the score would fall by roughly 17 point(s).
- Connecting a provider for Politically Exposed Persons would let that screen run, which could move the score in either direction — that area is currently unmeasured, not clear.
The arithmetic
83 × 34.1% + 75 × 22.7% + 79 × 20.4% + 66 × 11.4% + 35 × 6.8% + 8 × 4.5% = 72/100
Executive summary
Monzo Bank Limited (registered 09446231, active) scored 72/100 — High — on a weighted seven-factor model with PARTIAL coverage. The recommended treatment is Enhanced Due Diligence (EDD) with monthly monitoring. Note that PEP did not run and are not reflected in this score.