Onmo Reviews 5,512

The application process was simple and easy to complete.

As others have said Omno will ramp your interest through the roof once you have a balance, but on top of that they ramp up monthly repayments seemingly without reason. they randomly increase the percentage you repay on a larger balance this can be substantial.

Update after omno reply:
I have never missed a payment, my payments are always on time and ive never gone over my limit.
I see no reason from that why you would need to ramp up interest and payments, I mean other than you have the customer hooked with a balance and now intend to make as much as you can from them as quickly as you can.

Most use Omno because its meant to be aimed at those with lower credit, doing this is harmful and is likely to lead to defaulting on payments.

I am sorry but I can not reccomend Omno, they did start well but that does change after a while

I opened an Onmo credit card in August 2025 at an advertised APR of around 34%. Within a few months, I was notified that following an “interest rate review” my APR would increase to nearly 54% – a rise of around 20 percentage points.

Although I was given the option to opt out, this meant losing access to further spending on the card. I chose to opt out, but this raised serious concerns about whether the original lending was properly assessed for affordability in the first place.

I was not asked to reconfirm my income or financial circumstances before the rate increase was applied. In addition, despite having an active Direct Debit that successfully collected payments, my account was marked as late and I received communications suggesting late fees. The app also displayed contradictory information about the Direct Debit status.

I raised a formal affordability complaint but initially received only an automated acknowledgement, with no meaningful response addressing the substance of my concerns.

Overall, I am disappointed with the affordability assessment, the scale of the proposed rate increase, and the handling of the complaint. I would urge anyone considering this product to carefully review the terms and consider the potential for significant rate changes shortly after opening.

Not had any issues but they approved me quickly and the card arrived quickly. They started me with a decent credit to start with so overall good experience

very simple application process fast desison

Another great company so far so good excellent 👌

These guys are criminals supposed to have an interest rate of 41.1% yet the minimum payment is £80 a month with £43 interest on a balance of £680. I've had credit cards before but none that charge a minimum payment this high on that kind of balance. I won't be paying them this needs looking into. To top it off I never checked the payment at first, I saw my account was about £4 in credit as I did have a balance on the card figured the statement must have come in. I went back a few days later to check and noticed it was £-0.34 which I found odd I paid £1 just to take it over the balance and then noticed the min payment of £80 I contacted them and got a load of gibberish back that didn't make sense with an affordability pack. I checked my account last week and noticed it had gone from being in credit to now £-8.64 no reason for it. then I checked again today and it's now £-10.34 it's a complete joke. The statement was already done for the month and I was in credit to not being in credit for no reason.

Avoid at all costs they make it up as they go along.

*update

So tell me this my negative balance was £10.34 5 days ago it's now negative £12.58.

You can't charge interest live on a credit card and just take money off the account on a daily basis at whatever amount you want to charge.

It says there is £43.87 interest this period on a £673.73 limit with a £79.66 minimum payment.

which is way too much for a credit card on that limit

Yet when I go into balance break down for the same period as this statement is says the interest is £16.19 not nearly £44

You make it up as you go along.

I’m very happy with the speed, detail and helpfulness of the team to fix my problem.

No understanding of how to make an app.

Statements get silently added to your app without any notification, no email, no text, so you are forced to manually check.

Secondly, the app shows the balance of the card with applied daily interest, so it will show ever-growing over limit, but when you call up, they tell you you're not over limit and that's just the balance once interest is applied.

Raised a complint so they coudl fix this, replied to my complaint regarding a complelty differnt set of issues, instead of addressing the balance shown to add interest on each day, they explalined how interest is acrued, which I already knew, but this interest is not applied yet.

ALso refused to set up an email or text system to send out alert to inform thier users of a new statment, which, is requiered BY LAW

I wish I never got this card, it will be paid off asap.

Easy, simple, quick process to follow.
Downloaded the app and thats easy to use. You can set up a DD and make it tea payments as and when.
Would recommend

Excellent. Easy quick and very good

Straight forward application fast response very professional service

It was a quick and easy process all done within a couple of minutes

Absolutely fantastic. Quick and simple to apply for, and a Fast decision. Would recommend to anyone.

Fabulous. I used the "chat" in the app and was answered promptly by Richard. He sorted everything out for me. Credit to to you Richard and Thank you Onmo. I have been with Onmo for approx a year and they are brilliant.

Great experience with Onmo. Quick and straightforward application. App is great to check balances. 5 stars!