Backend Engineer at Monzo - Remote UK Fintech Role — Columbus
Traveler-Friendly Insight
This role is listed as UK Remote, meaning you must be UK-based — it is not open to international remote workers or digital nomads living outside the UK. Monzo explicitly restricts distributed working to within the UK, with ad hoc travel to London for in-person meetings.
Schedule flexibility: Monzo maintains a core hours model for meetings, which suggests some synchronous expectations during standard UK business hours (GMT/BST). However, beyond those core windows, schedule management is largely self-directed — useful if you want to structure your day around personal commitments rather than a 9-to-5 commute.
Visa note: Monzo sponsors UK work visas and assists with relocation, which is genuinely valuable for EU or international engineers looking to establish UK residency. Once in the UK, a Skilled Worker Visa is the most likely route. The UK does not currently have a dedicated digital nomad visa, but the Skilled Worker route provides stable long-term residency rights.
Cost of living context (on £85k–£110k GBP):
- London: High cost; after tax ~£55–£70k net, comfortable but not lavish in zone 1-2.
- Manchester or Bristol: Significantly cheaper than London; same salary stretches considerably further.
- Scotland/Wales: Even lower cost of living — remote UK working from these regions makes excellent financial sense on this salary band.
The £1,000 annual learning budget could support remote conference attendance. No explicit coworking or travel stipend is mentioned beyond office-visit cost coverage.
We're on a mission to make money work for everyone.
We're waving goodbye to the complicated and confusing ways of traditional banking.
After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come. Our UK customers can also save, invest and combine their pensions with us.
With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award-winning customer service, we have a long history of creating magical moments for our customers!
We're not about selling products — we want to solve problems and change lives through Monzo ❤️
Location: London or UK Remote | Level: Engineer III (L40)
Compensation: £85,000 – £110,000 + Incentive Awards tied to your performance + Benefits | Technology
About our Engineering Teams:
We have around 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.
These range from the products our customers use every day to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities.
How we work:
Our main tech hub is in London, but our engineers live everywhere in the UK — from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨
Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches and treat Thursdays.
Teams also schedule time together often for work and play — in or around the office, or online.
Set up a work schedule that delivers impact and fits your life:
At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance.
You'll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog, avoiding peak commuting times, gym slots, appointments, or supporting your family in an emergency ✨
If you prefer to work part-time, we'll make this happen whenever we can — whether this is to help you meet other commitments or strike a great work-life balance.
You should apply if:
- You have strong experience working on the backend of a technology product
- You want to be involved in building a product that you (and the people you know) use every day
- You have a product mindset: you care about customer outcomes and want to make data-informed decisions
- You're comfortable working in a team that deals with ambiguity
- You're interested in distributed systems and writing resilient software
- You have some experience with strongly-typed languages (Go, Java, C, Scala, etc.)
- You think you'd enjoy the kind of work we're doing
We're looking for L40 Engineers at the moment. You can read more in our Engineering Progression Framework. You will be interviewed across the whole framework, so if you're not sure what level you're aiming for, chat to your recruiter!
Not ticking every box? That's totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we're dedicated to creating a diverse and welcoming team. If you're passionate about this role and keen to learn and grow with us, we encourage you to apply — even if you don't have everything that's listed just yet. Drop us your application, we'd love to hear from you!
What you'll be working on:
We hire very technically agnostic, so whilst we use the below technologies we do not expect prior knowledge — you will be fully supported in our organised onboarding to get up to speed:
- Go to write our application code (there's an excellent interactive Go tutorial here)
- Cassandra for most persistent data storage
- Kafka for our asynchronous message queue
- Kubernetes and Docker to schedule and run our services
- Envoy Proxy for RPC
- AWS for most production infrastructure and GCP for most data infrastructure
- React for public web apps and internal tools
- Physical datacenters with actual cables to connect to various third parties
The Interview Process:
Our interview process involves three main stages:
- Initial Call
- Take-home task or pair coding exercise
- Final interview: including a system design and a behavioural interview
Our average process takes around 4 weeks but we will always work around your availability.
One of our engineers has written a detailed blog on their experience through this process — for extra details, hints and tips please see here.
What's in it for you:
- £85,000 – £110,000 base salary + Incentive Awards tied to your performance
- ✈️ We can help you relocate to the UK
- ✅ We can sponsor visas
- This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)
- ⏰ Flexible working hours — we trust you to work enough hours to do your job well, at times that suit you and your team
- Learning budget of £1,000 a year for books, training courses and conferences
- ➕ And much more — see our full list of benefits here
We're usually always hiring for Backend Engineers, so there's no closing date for this job.
Equal opportunities for everyone
Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
We're an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage.
Frequently Asked Questions
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