Full Stack Engineer Cardiff, London or Remote (UK)

Role Overview

We're on a mission to make money work for everyone. We're waving goodbye to the complicated and confusing ways of traditional banking.

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.

We have around 400 engineers across Monzo who design and build our in house banking platform. 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.

Responsibilities

This role is all about collaborating with your team to make a difference to your customers. As a full stack engineer you'll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more.

Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion).

What you'll be working on:

• Go to write application code (there's an excellent interactive Go tutorial available)
• AWS for most of our production infrastructure and GCP for most of our data infrastructure
• React for our public web apps and internal tools
• Physical datacenters with third party connectivity for certain services

Qualifications

• Strong experience working on the backend of a technology product
• Want to be involved in building a product that you (and the people you know) use every day
• Product mindset - care about customer outcomes and make data informed decisions
• Comfortable working in a team that deals with ambiguity
• Interested in distributed systems and writing resilient software
• Some experience with strongly typed languages (Go, Java, C, Scala, etc.)
• Interest in building performant web experiences and designing/building UI that makes it easy for users to accomplish what they need
• Enjoy the kind of work we're doing

We're on the look out for L40 and L50 Engineers. If you're not sure which level you're aiming for, discuss it with your recruiters.

The Interview Process

Our interview process involves four main stages:

• Initial Call
• Technical Interview
• Final interview including a system design and a behavioural interview

The average process takes around 2 3 weeks, but we work around your availability.

What's in it for you

• Relocation assistance to the UK
• Visa sponsorship where applicable
• Role can be based in London office or distributed within the UK with occasional meetings in London
• Flexible working hours with focus on outcome rather than clock time
• Learning budget of £1,000 a year for books, training courses and conferences
• Additional benefits available - see our full list of benefits for detail

Equal opportunities for everyone

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, veteran, neurodiversity or disability status.

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.

Required by law

We legally must verify your right to work in the UK before you can start working for us. Your answer to this question will not affect the outcome of your application unless you need visa sponsorship for a role we can't sponsor.

Preferred name and pronouns

If you have a preferred name or pronouns, please include them in your application. We do not require full or birth names at the application stage.

Data privacy notice

We keep your data safe. Please review our Candidate Data Privacy Notice, which explains how we store and process your application data.