Engineer building technology in Cardiff

We're waving goodbye to the complicated and confusing ways of traditional banking.
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 beyond. 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 ðLondon / UK Remote | Engineer IIIð 85,000 - 110,000 base salary per year share options | Benefits | TechnologyAbout our Mobile Engineering disciplineOur mobile engineers have a variety of different backgroundsThere are ~60 Android engineers at Monzo and we're looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; Monzo works in small, interdisciplinary teamsWe have around 650 engineers out of roughly 5,500 people in total - and we have big ambitions. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you'll learn heaps about everything from how banks work to effective communication.
Your day-to-dayWe're searching for product-focused Android engineers to evolve our native mobile app.
You'll take pride in building polished user experiences, and you'll balance the need for well-tested resilient code with moving fast and iterating. As an Android Engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists.
You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both what we build, and how we build it. Mobile engineers at Monzo work on everything from the personal banking product to customer support tools. Every week we meet as an Android discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes.
They're dedicated to helping you grow and develop as an engineer.
Our Android appOur app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature.
Room is our choice for persistence, and we use repositories for interacting with data. We use GitHub Pull Requests to do code reviews, and write unit tests for our ViewModels, Coordinators, and any other classes which contain logic. We've previously written about building Monzo Chat on Android, which goes into detail on some of these elements.
You should apply ifYou care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you outputYou're excited about and have experience in programming in KotlinYou've shipped and iterated on at least one app in the Play StoreYou have a product mindset: you care about customer outcomes and you want to make data-informed decisionsYou love turning excellent design into beautiful productsYou're comfortable working in a team that deals with ambiguityYou have an understanding computer science principlesThe Interview ProcessOur 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 2-3 weeks but we will always work around your availability. There's a detailed blog on the interview process, for extra details, hints and tips.
Locations & Flexible Working : 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 there's no pressure to come into the office, even if you're nearby. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Teams also schedule time together often for work and play – in or around the office, or online.
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 or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. We can help you relocate to the UK We can sponsor visas.ðThis role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.ð Learning budget of 1,000 a year for books, training courses and conferences And much more, see our full list of benefitshereEqual opportunities for everyoneDiversity 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. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
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.