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Monzo's Interview Process (2026)

Blog / Monzo's Interview Process (2026)

Monzo's software engineer interview process is designed to feel practical and transparent, typically running around four weeks from application to offer. Here's how the process generally breaks down:

Recruiter Screen: A short introductory call, usually around 30 minutes, to discuss your background, why you're interested in Monzo, and the basics of the role.
Initial Technical Call: A one-hour video call with a Monzo engineer where you walk through a recent complex project, with a focus on the decisions you made and the trade-offs involved. Most candidates report no live coding at this stage.
Practical Task: Candidates typically choose between a take-home assignment (around 3 to 4 hours) or a 90-minute live pair-coding session. The focus is on real-world scenarios rather than abstract puzzles.
Final Round: Usually two one-hour sessions covering system design and a behavioral values interview, often with a prep call from your recruiter beforehand so you know exactly what to expect.

To prepare effectively for each of these stages, it helps to structure your prep around the core areas Monzo actually tests:

Data Structures & Algorithms (DSA): Practical coding challenges grounded in real-world banking scenarios.
Take-Home Project: A self-contained project or live pair-coding session assessing code quality and engineering fundamentals.
System Design: Designing scalable, distributed systems with a focus on patterns relevant to fintech.
Behavioral and Values: Structured questions assessing communication, customer focus, and alignment with Monzo's mission.

1. Data Structures & Algorithms (DSA)Monzo's coding questions are grounded in real-world scenarios rather than abstract puzzles. Recent candidates have reported prompts like implementing a rate limiter and writing unique combinations that sum to a target, both of which map to practical engineering problems you might actually encounter at a bank.The emphasis is on clean, readable code with solid error handling rather than clever tricks. You won't be asked to optimise for microseconds, but you will be expected to think about edge cases and testability. Practising problems in the arrays and sliding window categories is a good starting point for the types of patterns that come up.For a focused preparation plan, working through our top 100 DSA questions will cover the medium-difficulty problem-solving skills that Monzo's coding stage tends to require.

2. Take-Home ProjectFor the practical task, backend and web candidates typically work on something like building a Single Domain Web Crawler or a Central Banking Ledger. These are deliberately scoped to reflect the kind of work you'd do on the job.Monzo evaluates submissions on readability, test coverage, and error handling over algorithmic complexity. Writing tests alongside your code and being explicit about your design choices in a README will go a long way. If you want to get hands-on practice before the real thing, our take-home project practice is a solid way to sharpen your approach.For the live pair-coding alternative, treat it like a collaborative session rather than a performance. Monzo engineers are looking for how you think out loud and respond to feedback, not whether you arrive at a perfect solution immediately.

3. System DesignMonzo's system design round focuses heavily on distributed systems fundamentals. Candidates regularly report questions around designing a notification system or a payment processor, with interviewers probing for knowledge of patterns like the outbox pattern, the Saga pattern, and idempotency at both the API and database level.Idempotency in particular comes up frequently. Be ready to explain how you would prevent a payment from being processed twice if a network request fails, and understand the trade-offs between different consistency models under the CAP theorem. Brushing up on event-driven design and how to handle partial failures will also serve you well.Practice working through end-to-end architecture problems using our High-Level Design case studies and our System Design practice tool to get comfortable sketching out systems under time pressure. Candidates who have read Designing Data-Intensive Applications consistently rate it as the most useful preparation resource for this stage.

4. Behavioral and ValuesMonzo's behavioral round is conducted with an Engineering Manager and uses the STAR format to assess how you communicate and make decisions. Structuring your answers well matters here, so it's worth reviewing the STAR principle before your final round.Expect questions that go beyond the standard career retrospective. Interviewers have been known to ask things like 'Can you explain this technical concept as if I were a child?' and 'How did you feel emotionally during that conflict?' The goal is to see whether you can bridge the gap between technical complexity and product impact, and whether you put the customer first.Monzo publishes its Engineering Progression Framework publicly, and reading it before your interview is one of the most practical things you can do. It tells you exactly what they expect at each level and gives you a clear vocabulary to use when describing your experience.

ConclusionMonzo's process rewards engineers who can think in trade-offs, communicate clearly, and write code that others can maintain. The best preparation combines hands-on coding practice with a genuine understanding of distributed systems patterns. Follow the Monzo Interview Roadmap for a structured, stage-by-stage plan to get ready for every part of the process.