Tech & apps · Facebook & InstagramMonzo ads: every Facebook & Instagram ad they're running
Source: Meta Ad Library (public) · Coverage: United Kingdom · Last collected Oct 28, 2026
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- Live ads
- 160
- New this week
- 1
- Longest running
- 86 days
- Top format
- Image · 56%
Their strongest ads.
Ranked by Signal, our 0–100 estimate from days running, variants and relaunches. Not spend or performance data.- Apply in minutes.Video · 9:16 · 6 variants
LIVE · 86dSignal 82 · est. - Apply in minutes.Video · 9:16 · 6 variants
LIVE · 86dSignal 82 · est. - Apply in minutes.Video · 9:16 · 6 variants
LIVE · 86dSignal 82 · est. - Apply in minutes.Video · 9:16 · 6 variants
LIVE · 86dSignal 82 · est.
What Monzo is testing.
Monzo’s creative centers on practical business-banking utility—expense controls, tax and cash-flow tools—using simple feature-led visuals alongside business-owner testimonials and social proof. That small-business message persists in the newest ads, while the newest set also broadens into Monzo Mobile and fixed-rate savings.
- “Running a consultancy business without clear visibility is chaos.”
- “How Monzo Business changed my life as a restaurant owner?”
- “Unexpected costs running a restaurant.”
Patterns in their ads
- 1Show business pains, then tools
Longer-running videos frame a specific business problem—consultancy finances as “chaos” or unexpected restaurant costs—then show expense cards, spending limits, notifications or accounting sync. Several use testimonial-style delivery; one is a product demo.
5 videos ran 79 days, each with 6 variants.
- 2Make features legible in images
Static lifestyle and text-graphic ads lead with a direct benefit, including “File tax straight from Monzo to HMRC,” “Simplify team expenses” and “Apply in minutes.” Some show product details such as expense totals or tax pots.
12 images in the strongest list ran 37 days; each had 4–10 variants.
- 3Repeat trust and fast setup
Monzo uses business-count proof and quick-application messaging across formats: “Join over 1 million businesses” and “Apply in minutes.” Newer business ads keep the 1 million figure while reframing the benefit around admin and accounts.
4 strongest-list creatives use 1 million-business messaging, running 37–44 days; 2 newest videos repeat it after 8 days.
- 4Broaden beyond business banking
The newest ads retain business-banking messages about admin and cash flow, but also introduce Monzo Mobile’s roaming and annual-discount angles and a fixed-rate savings account. The mobile ads state the discount builds over time.
3 Monzo Mobile ads ran 14 days; 1 fixed-savings ad ran 6 days. 3 newest business-banking ads ran 8 days.
Plays to test this week.
Based on what Monzo keeps running- Play 1Open on a business-specific problem
Make a short vertical video for one business type. In the first 3 seconds, put a concrete pain on screen, such as unexpected staff spending; then show expense cards, a custom limit and a real-time alert. Close with a direct application CTA.
- Play 2Turn a feature into a clear image
- Play 3Explain the discount timeline
Track Monzo
Know the day they launch something new, and what they quietly switch off.
- An alert when they launch new ads
- Ads they stop running
- A Monday digest of every change
Make your version
Like what Monzo is running? Pick any of their ads and press Make my version. Add a photo of your product, and the AI builds a new ad on the same structure: the hook, the pacing, the format. Nothing is copied.
Ordering is opening in stages. Start your trial now: write your first brief and we'll email you when you can place it.
Common questions
Where do these ads come from?
The public Meta Ad Library, collected since we started tracking Monzo.
Are these all of Monzo's ads?
All the live Facebook and Instagram ads we can see. Stopped ads stay in the history.
Can I make my own version?
Yes. Start a free trial, pick any ad and press Make my version: you add your product and we build a new ad from its structure.
Do you copy their ad?
No. A competitor's ad is only a blueprint: its hook, pacing, shot order and layout. Your version uses your product, your words and your brand. We never use their footage, logo, words or people.