Monzo Bank scores 47/100 (Making progress) on SINK's independent climate assessment — scored from public data only, no company payment can change a number. Last verified May 2026.
That places Monzo Bank joint 207th of 809 companies scored, and 9th of 46 in Financial Services / Banking.
Monzo reports comprehensive carbon data but absolute emissions rose 17% year-on-year, undermining its net zero 2030 claim. Financed emissions—critical for banks—are entirely absent. The company lacks third-party verification, SBTi validation, and a formal sustainability report despite holding £16.6B in deposits.
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SINK = (0.3 × Base + 0.7 × Performance) × ScaleStrongest on Energy Source and Controversies & Red Flags (7/10, 7/10). Weakest on Emissions Trajectory and Targets & Commitments (2/10, 3/10).
6 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.
This company's public sustainability disclosure is limited. This score is based on the 6 verified sources cited below, rather than padded to a standard count.
Limited data coverage. This assessment is based on 6 sources, 33% of which are self-reported by the company. Scores may change as independent evidence becomes available.
If you believe a source has been misread or a newer version exists, submit a challenge.
Where Monzo Bank sits among financial services / banking peers.
Among the 46 major financial services / banking brands we've scored, Monzo Bank sits 9th of 46.
Score history begins 6 April 2026.
As Monzo Bank's score updates, the trajectory will appear here.
This score is not currently being contested.
Every challenge is published. We'd rather be corrected than wrong — that's the whole point.
No challenges submitted yet. If you have evidence that contradicts this score, you can challenge any question above — cite a public source and we'll review it.
Monzo is a UK-based digital bank founded in 2010, offering mobile-first current accounts and financial services. As a fintech lender and payments processor, it holds significant customer deposits and payment data but operates with minimal physical infrastructure compared to traditional banks.
UK fintech rival with comparable scale and sustainability disclosure gaps
View breakdown →European digital-only bank, similar regulatory scrutiny and carbon reporting challenges
View breakdown →Global bank with financed emissions blind spots and net zero commitment validation gaps
View breakdown →UK incumbent bank; contrast traditional finance's financed emissions accounting maturity
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