Files
nexus/sreweekly/articles/220/03-how-we-ve-evolved-on-call-at-monzo.html
2026-09-12 17:23:01 +08:00

1 line
187 KiB
HTML
Raw Permalink Blame History

This file contains invisible Unicode characters
This file contains invisible Unicode characters that are indistinguishable to humans but may be processed differently by a computer. If you think that this is intentional, you can safely ignore this warning. Use the Escape button to reveal them.
This file contains Unicode characters that might be confused with other characters. If you think that this is intentional, you can safely ignore this warning. Use the Escape button to reveal them.
<!DOCTYPE html><html lang="en-GB" dir="ltr" translate="no" data-testid="v2"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, height=device-height, initial-scale=1, maximum-scale=5"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><link rel="shortcut icon" type="image/png" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/favicon.87a9df8c.png"/><title>How we’ve evolved on-call at Monzo</title><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/favicon.87a9df8c.png" sizes="any"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><meta name="theme-color" content="#112231"/><meta property="og:site_name" content="Monzo"/><meta property="og:type" content="website"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta property="og:title" content="How we’ve evolved on-call at Monzo"/><meta property="og:description" content=""/><meta property="og:locale" content="en_GB"/><meta property="og:url" content="https://monzo.com/blog/how-weve-evolved-on-call-at-monzo"/><meta property="og:image" content="https://images.ctfassets.net/ro61k101ee59/sy73uZ6p4ZDDfZzJvKd0x/d99f53cdca8c5e5d8beb3f2567cd48b7/_Blogpost__Data_Team_articles-03.png"/><meta property="twitter:url" content="https://monzo.com/blog/how-weve-evolved-on-call-at-monzo"/><meta property="twitter:card" content="summary_large_image"/><meta property="twitter:site" content="@monzo"/><meta property="twitter:description" content=""/><meta property="twitter:site_name" content="Monzo"/><meta property="twitter:image" content="https://images.ctfassets.net/ro61k101ee59/sy73uZ6p4ZDDfZzJvKd0x/d99f53cdca8c5e5d8beb3f2567cd48b7/_Blogpost__Data_Team_articles-03.png"/><meta name="robots" content="follow,index"/><link rel="manifest" href="/manifest.json"/><link rel="canonical" href="https://monzo.com/blog/how-weve-evolved-on-call-at-monzo" data-testid="canonical"/><meta name="description" content=""/><meta name="next-head-count" content="27"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta name="theme-color" content="#112231"/><link rel="manifest" href="/manifest.json"/><link rel="stylesheet" href="/static/css/base.css"/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="preload" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/5ef8c2a18ce733da.css" as="style" crossorigin="anonymous"/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/5ef8c2a18ce733da.css" crossorigin="anonymous" data-n-g=""/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="preload" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/c0ea6062c7f54fcb.css" as="style" crossorigin="anonymous"/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/c0ea6062c7f54fcb.css" crossorigin="anonymous" data-n-p=""/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="preload" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/86d58df8530430e5.css" as="style" crossorigin="anonymous"/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/86d58df8530430e5.css" crossorigin="anonymous" data-n-p=""/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="preload" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/fd2a19260c1d7fcc.css" as="style" crossorigin="anonymous"/><link nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/css/fd2a19260c1d7fcc.css" crossorigin="anonymous" data-n-p=""/><noscript data-n-css="16d98fc1885a4bc1556781dcaf3697e64ba4"></noscript><script defer="" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" crossorigin="anonymous" nomodule="" src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/polyfills-42372ed130431b0a.js"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/webpack-2457cc2fd54fbccb.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/framework-978a6051e6d0c57a.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/main-ed1933926a63d538.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/pages/_app-f6d77626e707dbbe.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/abe7ba4e-5b531d2653ca92d5.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/1395-e61510f04ddd5aaa.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/3955-28640e9867e07b0d.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/7014-88967f02c888abee.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/8402-6ac04c5461706c66.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/3456-5f62d1d06d97e774.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/2305-3b30f0e4f44c85a2.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/6800-3372244e42c17bdc.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/1508-085178230f6e05d2.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/33-8d6940bfed98ea2b.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/6288-03ba2f911e193453.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/8283-af849499565df4e6.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/7055-7e9c575a2ac068d7.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/632-cc6126dce12be11f.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/chunks/pages/blog/%5B...dynamic%5D-bb77c1cf1993c7c4.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/-IOrrmBQcEdnuWfJPIoxS/_buildManifest.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/-IOrrmBQcEdnuWfJPIoxS/_ssgManifest.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4" defer="" crossorigin="anonymous"></script></head><body data-whatpersist="false" class=""><div id="__next"><header class="HeaderVariant_sticky__PakDB"><div class="HeaderVariant_header__M43dc"><a class="HeaderVariant_skipToContent__gKtbS" href="#mainContent" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Skip to Content&amp;url=#mainContent&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo">Skip to Content</a><div class="HeaderVariant_headerContainer__yB1yF"><div class="HeaderVariant_headerLogoContainer__k3fGL"><a class="Button_button__ceqVx Button_none__26XPj Button_center__nHk65 HeaderVariant_logoLink___LBJB" data-monzoanalytics-no-tracking="true" target="_self" rel="" aria-label="Monzo Bank Homepage" tabindex="0" href="/"><span aria-hidden="true"><span class="Button_text__5HT7_"><div class="HeaderVariant_logoImageContainer__HlZzw"><svg xmlns="http://www.w3.org/2000/svg" width="138" height="24" viewBox="0 0 138 24" fill="none"><path d="M0.0789831 23.3769V0.626117H6.24562V3.66757C7.66062 1.33063 9.73947 0.196533 12.5345 0.196533C15.3296 0.196533 17.4434 1.38218 18.9457 3.8394C21.3565 1.34782 23.2082 0.196533 26.0906 0.196533C31.2965 0.196533 34.2313 3.08334 34.2313 8.37581V23.3769H27.593V11.0564C27.593 7.87749 26.9117 6.43409 24.3612 6.43409C21.8107 6.43409 20.3957 7.99778 20.3957 11.0564V23.3769H13.7224V11.0564C13.7224 7.87749 13.0412 6.43409 10.4906 6.43409C7.94014 6.43409 6.52513 7.99778 6.52513 11.0564V23.3769H0.0615234H0.0789831Z" fill="currentColor"></path><path d="M42.0932 3.59852C44.4166 1.31313 47.4737 0.0415649 50.6182 0.0415649C53.9723 0.0415649 56.8547 1.19285 59.1956 3.34077C61.6587 5.62616 62.9864 8.77071 62.9864 11.8465C62.9864 15.2832 61.816 18.1185 59.4926 20.4038C57.1167 22.7408 54.1994 23.9608 50.7056 23.9608C47.2117 23.9608 44.3293 22.7751 41.9709 20.3179C39.7349 18.0325 38.5645 15.1114 38.5645 11.9324C38.5645 8.75353 39.8048 5.83236 42.0932 3.58134V3.59852ZM50.7405 17.6201C53.7627 17.6201 56.2084 15.1286 56.2084 12.0355C56.2084 8.94254 53.7452 6.39941 50.7405 6.39941C47.7358 6.39941 45.2726 8.89099 45.2726 12.0355C45.2726 15.1801 47.7707 17.6201 50.7405 17.6201Z" fill="currentColor"></path><path d="M67.3008 23.3768V0.625995H73.7644L73.6771 3.66745C75.0921 1.38206 77.2582 0.196411 80.3153 0.196411C85.1019 0.196411 88.194 3.16913 88.194 8.37569V23.3768H81.3985V11.0563C81.3985 7.87737 80.7171 6.43397 78.0793 6.43397C75.4414 6.43397 73.9915 7.99765 73.9915 11.0563V23.3768H67.3183H67.3008Z" fill="currentColor"></path><path d="M117.053 3.59852C119.377 1.31313 122.434 0.0415649 125.578 0.0415649C128.932 0.0415649 131.815 1.19285 134.156 3.34077C136.619 5.62616 137.946 8.77071 137.946 11.8465C137.946 15.2832 136.776 18.1185 134.453 20.4038C132.077 22.7408 129.159 23.9608 125.666 23.9608C122.172 23.9608 119.289 22.7751 116.931 20.3179C114.695 18.0325 113.524 15.1114 113.524 11.9324C113.524 8.75353 114.765 5.83236 117.053 3.58134V3.59852ZM125.7 17.6201C128.723 17.6201 131.168 15.1286 131.168 12.0355C131.168 8.94254 128.705 6.39941 125.7 6.39941C122.696 6.39941 120.233 8.89099 120.233 12.0355C120.233 15.1801 122.731 17.6201 125.7 17.6201Z" fill="currentColor"></path><path d="M93.1387 23.3768V18.6342L102.659 6.51993H93.1387V0.626038H110.328V6.00443L101.926 17.4829H110.503V23.3768H93.1561H93.1387Z" fill="currentColor"></path></svg></div></span></span></a></div><div class="HeaderVariant_headerNavigationContainer__1NPta"><nav aria-label="Main" data-orientation="vertical" dir="ltr" data-testid="" class="Navigation_navigation__MiBte" data-toplevel-id="" data-subitem-id=""><div aria-hidden="true" class="NavigationSEORenderer_navigationSEORenderer__udHb5" data-testid="seo-navigation-renderer"><ul><li data-testid="seo-navigation-renderer-top-level-item"><span>Personal</span><ul><li data-testid="seo-navigation-renderer-landmark"><span>Current accounts</span><p>It all starts with our personal current account</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/personal" data-monzoanalytics-no-tracking="true">Personal account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/joint-account" data-monzoanalytics-no-tracking="true">Joint account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/under-16s" data-monzoanalytics-no-tracking="true">Under 16s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/16-17" data-monzoanalytics-no-tracking="true">16-17s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account" data-monzoanalytics-no-tracking="true">See all current accounts</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><span>Plans</span><p>Upgrade your personal account from £3 a month</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/plans" data-monzoanalytics-no-tracking="true">Compare plans</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><span>Why Monzo?</span><p>Bank on an award-winning app</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/pots" data-monzoanalytics-no-tracking="true">Organise with Pots</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/cashback" data-monzoanalytics-no-tracking="true">Earn cashback</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/travel" data-monzoanalytics-no-tracking="true">Travel without fees</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/monzo-split" data-monzoanalytics-no-tracking="true">Spend with friends</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/monzo-payday" data-monzoanalytics-no-tracking="true">Get paid into Monzo</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/security" data-monzoanalytics-no-tracking="true">Protect your money</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/see-your-mortgage" data-monzoanalytics-no-tracking="true">Connect your mortgage</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/payments" data-monzoanalytics-no-tracking="true">Pay and get paid</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><span>Savings and ISAs</span><p>Put your money to work with flexible ways to save.</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/savings-isas/instant-access" data-monzoanalytics-no-tracking="true">Instant Access</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/savings-isas/select-access" data-monzoanalytics-no-tracking="true">Select Access</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/savings-isas/cash-isas" data-monzoanalytics-no-tracking="true">Cash ISAs</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/savings-isas/under-16s-instant-access" data-monzoanalytics-no-tracking="true">Under 16s Savings</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/savings-isas" data-monzoanalytics-no-tracking="true">See all savings and ISAs</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><span>Investments and pensions</span><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/investments">Investments</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/pensions">Pensions</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><span>Credit cards and loans</span><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex">Flex Purchase credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex-build">Flex Build credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/loans">Loans</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/overdrafts">Overdrafts</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><span>Insurance</span><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/home-insurance">Home insurance</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/contents-insurance">Contents insurance</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/mobile">Mobile plans</a></li><li data-testid="seo-navigation-renderer-top-level-item"><span>Help and support</span><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help">Help centre</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/security">Security at Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/fraud">Staying safe from fraud</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/money-worries">Support with money worries</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switching to Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-plus">Plus help</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-premium">Premium help</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/refer-a-friend">Refer a friend</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switch to Monzo</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><span>Business</span><ul></ul></li></ul></div><div style="position:relative"><ul data-orientation="vertical" class="NavigationTopLevelItems_navigationTopLevelItemsList__fJhlK" dir="ltr"><li class="NavigationTopLevelItems_navigationTopLevelItem__bhgjl NavigationTopLevelItems_isMobileVisible__J__pz"><button data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=navigation top level item&amp;link_text=Open Personal navigation&amp;link_location=header - Level 1&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo" id="radix-:Raar6:-trigger-personal" data-state="closed" aria-expanded="false" aria-controls="radix-:Raar6:-content-personal" class="NavigationTopLevelItems_navigationTopLevelItemTrigger__hezLF" aria-label="Open Personal navigation" data-radix-collection-item=""><div class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB NavigationTopLevelItems_currentlySelected__TmMf_"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="personal-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.5 10.833c3.606 0 6.544 2.149 6.663 4.832l.003.168c0 .92-.746 1.667-1.666 1.667h-10c-.92 0-1.667-.746-1.667-1.667 0-2.761 2.985-5 6.667-5Zm0-8.333a3.333 3.333 0 1 1 0 6.667 3.333 3.333 0 0 1 0-6.667Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Personal</span><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg width="1em" height="1em" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M15.88 9.29006L12 13.1701L8.11998 9.29006C7.72998 8.90006 7.09998 8.90006 6.70998 9.29006C6.31998 9.68006 6.31998 10.3101 6.70998 10.7001L11.3 15.2901C11.69 15.6801 12.32 15.6801 12.71 15.2901L17.3 10.7001C17.69 10.3101 17.69 9.68006 17.3 9.29006C16.91 8.91006 16.27 8.90006 15.88 9.29006Z" fill="currentColor"></path></svg></div></div></button><div class="NavigationTopLevelItems_navigationTopLevelToggleContainer__ag2Yv" role="button" tabindex="0" aria-label="Toggle Personal navigation menu"><div class="MobileNavigationToggle_mobileNavigationToggle__4Z_F_"><div class="MobileNavigationToggle_mobileNavigationToggleContent__sUo9Z"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24"><path fill="currentColor" d="M4 18h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1Zm0-5h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1ZM3 7c0 .55.45 1 1 1h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1Z"></path></svg></div></div></div></li><li><a class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Business&amp;link_location=header - Level 1&amp;link_type=navigation&amp;url=/business-banking&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo" href="/business-banking"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="business-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.834 1.667a2.5 2.5 0 0 1 2.495 2.353l.005.147V5h.833v12.5H5.834V5h.833v-.833A2.5 2.5 0 0 1 9.02 1.67l.147-.004h1.667ZM4.167 5v12.5h-.833c-.92 0-1.667-.746-1.667-1.667V6.667c0-.92.746-1.667 1.667-1.667h.833Zm11.667 0h.833c.92 0 1.667.746 1.667 1.667v9.166c0 .92-.747 1.667-1.667 1.667h-.833V5Zm-5-1.667H9.167a.834.834 0 0 0-.828.737l-.005.097V5h3.333v-.833a.833.833 0 0 0-.833-.834Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div><div class="HeaderVariant_headerNavigationExtras__fnwGF"></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"></div></div></div></header><main id="mainContent" class="Main_main__qK_Jw Main_secondary__AtY_D"><section class="BlogPostHero_BlogPostHero__zHlZw Section_section__bJela Section_alignItemsCenter__uAtDJ stack"><div class="Section_contentContainer__nIHcH"><div class="BlogPostHero_metadata__IlL_3"><time dateTime="10 May 2020" class="BlogPostHero_date__MLwY1"><span class="VisuallyHidden_root__K5ziU">Published on: </span>10 May 2020</time><a class="Button_button__ceqVx Button_primary__Rsc_A Button_center__nHk65" data-monzoanalytics-no-tracking="true" target="_self" href="/blog/topic/technology" rel="noopener noreferrer external"><span class="Button_text__5HT7_"><span class="VisuallyHidden_root__K5ziU">Published in: </span>Technology</span></a></div><div class="Block_block__umVpK Block_transparent__bO8GO Block_textCenter__ZMvZ5 Block_horizontalCenter__r3X72 Block_verticalMiddle__hz7OB Block_paddingHorizontalMedium__Yebwe Block_paddingVerticalMedium___sqTU Block_marginHorizontalAuto__iPHYU Block_marginVerticalNone__5PS5J"><div class="Block_contentContainer__zHay8"><h1 class="Title_title__ofmsr Title_primary__c1rix text-heading-1 Title_center__EKShs marginBottom marginTop" id="how-weve-evolved-on-call-at-monzo">How we’ve evolved on-call at Monzo</h1></div></div></div></section><div class="Section_container__hQZq_ Section_section__bJela Section_secondary__Yb8E4 stack Section_paddingtoplarge__e7z4X Section_paddingbottommedium__iiG8G"><div class="Section_contentContainer__nIHcH"><div class="___dynamic__articleContainer__ZfTwO"><article class="_prose_prose__aeteD"><aside class="BlogPostDisclaimer_BlogPostDisclaimer__GLNKM" data-testid="disclaimer"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>This blog post was accurate when we published it – head to<!-- --> <a class="Button_button__ceqVx Button_link__8caFw Button_inline__TsyTr Button_padWithSpaces__PFrni Button_center__nHk65" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com" rel="noopener noreferrer external"><span class="Button_text__5HT7_">monzo.com</span></a> <!-- -->or your Monzo app for the most up to date information.</p></div></aside><blockquote><div class="Text_text__CSJ_O"><p>We&#x27;ve continued to iterate our on-call process since we published this post. Check our latest update on <a href="https://monzo.com/blog/2022-02-24/scaling-our-on-call-process" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&amp;link_location=Text inline&amp;link_text=how we&#x27;ve scaled the process as Monzo has grown&amp;url=https://monzo.com/blog/2022-02-24/scaling-our-on-call-process&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo">how we&#x27;ve scaled the process as Monzo has grown</a>.</p></div></blockquote><div class="Text_text__CSJ_O"><p>Back in 2018, <a href="https://monzo.com/blog/2018/09/20/on-call" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&amp;link_location=Text inline&amp;link_text=we published a post about how we do on-call at Monzo&amp;url=https://monzo.com/blog/2018/09/20/on-call&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo"><u>we published a post about how we do on-call at Monzo</u></a>. We&#x27;ve come a long way since then. And as more customers join and we offer more services, it’s increasingly important that we’re able to keep our systems running smoothly at all times.</p></div><div class="Text_text__CSJ_O"><p>But how do we do that in a human way? That doesn&#x27;t put our engineers in uncomfortable situations they&#x27;re not ready for, or risk people burning out?</p></div><div class="Text_text__CSJ_O"><p>In the past year we&#x27;ve made a few changes designed to create a supportive environment for our on-call engineers, that still help us respond to incidents effectively.</p></div><div class="Text_text__CSJ_O"><p>These changes have helped make the rotas so popular we’ve ended up with a waiting list for engineers who want to join! So we&#x27;ll share them here for other organisations looking to design human-centred on-call processes.</p></div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="the-first-line-of-defence">The first line of defence</h2><div class="Text_text__CSJ_O"><p>As before, our first line of defence is still made up of a primary and shadow on-caller. These are the folks that get paged when something with our platform breaks, one of our internal tools malfunctions or when we’re not entirely sure what the problem is. For example, our customer operations team will escalate to them if they’re seeing some uncharacteristic behavior with payments.  </p></div><div class="Text_text__CSJ_O"><p>Primary on-callers are usually experienced engineers who are familiar with leading and coordinating incidents with varying technical expertise. </p></div><div class="Text_text__CSJ_O"><p>Shadow on-callers are folks who are new to being on-call (either at Monzo or otherwise) and wish to learn more by participating in incidents and observing the primary on-callers. We know on-call can feel daunting so this rota gives them an opportunity to see incidents first-hand, ask questions and gradually increase their confidence handling on-call tasks. The ultimate goal is for a shadow on-caller to get comfortable enough to graduate to the primary rota.</p></div><div class="Block_block__umVpK Block_widthFull__Hgffj Block_transparent__bO8GO Block_textLeft__VQYuP Block_horizontalCenter__r3X72 Block_verticalMiddle__hz7OB Block_paddingHorizontalNone___78ZF Block_paddingVerticalNone__iiqDU Block_marginHorizontalNone__zWCSZ Block_marginVerticalMedium__bfxCr"><div class="Block_contentContainer__zHay8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/dMGr9NHpte9Nc9LFSI8gk/81d51c31e0a9b88257c02c09c68a0469/image__3_.png?w=2400&amp;q=75&amp;fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/dMGr9NHpte9Nc9LFSI8gk/81d51c31e0a9b88257c02c09c68a0469/image__3_.png?w=2400&amp;q=75&amp;fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/dMGr9NHpte9Nc9LFSI8gk/81d51c31e0a9b88257c02c09c68a0469/image__3_.png?w=2400&amp;q=75" alt="platform, payments, security" width="2400" loading="lazy"/></picture></div></div><div class="Text_text__CSJ_O"><p></p></div><h3 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q" id="every-engineer-can-join-the-rota-to-build-their-skills-and-share-the-workload">Every engineer can join the rota, to build their skills and share the workload</h3><div class="Text_text__CSJ_O"><p>As was the case previously, our on-call rotas are staffed by paid volunteers across a variety of engineering teams (more on that later). </p></div><div class="Text_text__CSJ_O"><p>The last time we opened slots on our shadow rota, we had over double the number of slots we needed to fill. We’re going to write a separate blog post about how we run the shadow rota and what has made it successful.</p></div><h3 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q" id="we-have-two-rotas-to-make-sure-we-distribute-the-work-fairly">We have two rotas, to make sure we distribute the work fairly</h3><div class="Text_text__CSJ_O"><p>We have two rotas for scheduling purposes.</p></div><ol class="List_List__d5Gvb List_light__uu_Tn List_margin__M1ON_"><li><div class="Text_text__CSJ_O"><p><strong>In-hours:</strong> 10am-6pm Monday to Friday. This rota is staffed with members of the Platform team. We’re planning to expand to other engineering teams soon. The main job of the engineers staffing this rota is to help find the right team to redirect the issue in case they’re not already involved.</p></div></li><li><div class="Text_text__CSJ_O"><p><strong>Out-of-hours:</strong> everything else (6pm-10am Monday to Friday and weekends)</p></div></li></ol><div class="Text_text__CSJ_O"><p>Both the primary and shadow rota are staffed with 8 volunteer on-callers each and must acknowledge a page message within 15 minutes. Based on the data from Pager Duty, all of the pages are acknowledged in under 5 minutes!</p></div><h3 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q" id="on-call-can-be-demanding-so-we-pay-engineers-when-theyre-on-call">On-call can be demanding, so we pay engineers when they&#x27;re on-call</h3><div class="Text_text__CSJ_O"><p>We believe it’s important to not only recognise, but also compensate people for the disruption being on-call outside of work hours can cause. As a result, all out-of-hours on-call at Monzo is paid.</p></div><div class="Text_text__CSJ_O"><p>Both primary and shadow on-call engineers get £500 per week. We don’t pay per incident as we don’t want to incentivise the wrong metrics. </p></div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="introducing-a-second-line-of-defence-the-specialists">Introducing a second line of defence: the specialists</h2><div class="Text_text__CSJ_O"><p>As we&#x27;ve grown very rapidly, so have our systems to serve our customers. It’s been challenging for our primary on-callers to have context on every single aspect of our system, so we’ve introduced a second layer. This is where the specialist on-callers come in.</p></div><div class="Text_text__CSJ_O"><p>Our specialist on-callers serve as the second line of defence and bring much-needed domain expertise to incidents. This in turn helps lighten the load on our primary on-callers, who can instead focus on leading and coordinating our response.</p></div><div class="Block_block__umVpK Block_widthFull__Hgffj Block_transparent__bO8GO Block_textLeft__VQYuP Block_horizontalCenter__r3X72 Block_verticalMiddle__hz7OB Block_paddingHorizontalNone___78ZF Block_paddingVerticalNone__iiqDU Block_marginHorizontalNone__zWCSZ Block_marginVerticalMedium__bfxCr"><div class="Block_contentContainer__zHay8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/2emMwcCayni9igZFmMK9Rk/47cc8a14635e7febe92793f94af1e104/image__4_.png?w=2400&amp;q=75&amp;fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/2emMwcCayni9igZFmMK9Rk/47cc8a14635e7febe92793f94af1e104/image__4_.png?w=2400&amp;q=75&amp;fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/2emMwcCayni9igZFmMK9Rk/47cc8a14635e7febe92793f94af1e104/image__4_.png?w=2400&amp;q=75" alt="on call specialists" width="2664" loading="lazy"/></picture></div></div><h3 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q" id="every-engineer-in-their-team-can-join-the-rota-to-build-their-skills-and-share-the-workload">Every engineer in their team can join the rota, to build their skills and share the workload</h3><div class="Text_text__CSJ_O"><p>Our specialist rota is also staffed by volunteers, but we approach scheduling in a different way to the primary on-call rota. We have a rota for each specialist area, for example payments. </p></div><ol class="List_List__d5Gvb List_light__uu_Tn List_margin__M1ON_"><li><div class="Text_text__CSJ_O"><p>Since the goal is to provide domain expertise, the rota is staffed by members of a particular team. The payments specialist rota is staffed by the members of the payments team.</p></div></li><li><div class="Text_text__CSJ_O"><p>They run all week from 6pm on a Friday to 6pm the next Friday.</p></div></li></ol><div class="Text_text__CSJ_O"><p>Engineers on specialist rotas agree to acknowledge a page within 1 hour.</p></div><h3 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q" id="on-call-can-be-demanding-so-we-pay-engineers-when-theyre-on-call-1">On-call can be demanding, so we pay engineers when they&#x27;re on-call</h3><div class="Text_text__CSJ_O"><p>We pay everyone on the specialist rota £300 per week as the probability of getting paged is much lower than being on the primary rota.</p></div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="bringing-in-the-specialists">Bringing in the specialists</h2><div class="Text_text__CSJ_O"><p>The primary on-caller can bring in a specialist whenever they need support. For example, an alert about a database node being down is fired and the primary and shadow on-callers are paged. They acknowledge the page and start working to mitigate the problem with the help of runbooks.</p></div><div class="Text_text__CSJ_O"><p>If, after a little while, they feel out of their depth, they escalate to the Cassandra specialist (our main storage backend). All of this is handled by tooling we built in-house and integrated with Slack. The specialist then jumps in and works with them to mitigate the impact.</p></div><div class="Text_text__CSJ_O"><p>In such cases, the primary and shadow on-callers are typically responsible for leading the incident and coordinating overall response: making sure the relevant parts of the business and stakeholders are kept in the loop, the different bits of the investigation are not being duplicated across engineers, etc. This let’s the specialist on-caller focus completely on mitigation and technical investigation.</p></div><div class="Text_text__CSJ_O"><p>The specialists can also page another team if, for example, the incident impacts multiple different systems each requiring their own domain knowledge. </p></div><div class="Block_block__umVpK Block_widthFull__Hgffj Block_transparent__bO8GO Block_textLeft__VQYuP Block_horizontalCenter__r3X72 Block_verticalMiddle__hz7OB Block_paddingHorizontalNone___78ZF Block_paddingVerticalNone__iiqDU Block_marginHorizontalNone__zWCSZ Block_marginVerticalMedium__bfxCr"><div class="Block_contentContainer__zHay8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/5xxB6c4vRtji2zkDTfZoxX/697b283d32e913542f3f9423e4a1a125/specialist-escalation-screenshot.png?w=2400&amp;q=75&amp;fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/5xxB6c4vRtji2zkDTfZoxX/697b283d32e913542f3f9423e4a1a125/specialist-escalation-screenshot.png?w=2400&amp;q=75&amp;fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/5xxB6c4vRtji2zkDTfZoxX/697b283d32e913542f3f9423e4a1a125/specialist-escalation-screenshot.png?w=2400&amp;q=75" alt="Incidents at Monzo - IncidentBot screenshot" width="1280" loading="lazy"/></picture></div></div><div class="Text_text__CSJ_O"><p>This tool, called Response, is a Django app and we’ve <a href="https://github.com/monzo/response" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&amp;link_location=Text inline&amp;link_text=open sourced the code&amp;url=https://github.com/monzo/response&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo"><u>open sourced the code</u></a> so you can try it out too. </p></div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="routing-domain-specific-pages-directly-to-the-specialist">Routing domain specific pages directly to the specialist</h2><div class="Text_text__CSJ_O"><p>It’s very important for us to make sure that our engineers are well-rested and on-call doesn’t have a long lasting detrimental impact on their lives. Part of that is making sure the first line on-callers are only paged when we need them. In some cases when we can identify a domain-specific issue, we can route pages straight to specialists.</p></div><div class="Text_text__CSJ_O"><p>For example, if a cron job related to ordering of debit cards fails at 3am, we page the engineer on-call for the payments team directly (this is configured in the alert directly) rather than waking up the primary and shadow on-callers first and having them escalate to the payments specialist.</p></div><div class="Text_text__CSJ_O"><p>Currently, we have this in place for alerts for which it is straightforward to define team ownership. This isn’t true for all alerts within our system as of now and a lot of incidents still wake up the first line on-callers who then escalate to the relevant team after doing an initial investigation. But we expect to keep improving this in time.</p></div><div class="Text_text__CSJ_O"><p>Over time we expect the responsibilities between the first line and specialist on-callers to reverse: almost everything should route directly to the team who owns the system and/or are best placed to handle the issue, and the first line rotation becomes a safety net for incidents and alerts that we can&#x27;t easily determine a team for.</p></div><div class="Text_text__CSJ_O"><p>This is our north star that we’re actively working towards. But it’ll take us some more time to get there because:</p></div><ul class="List_List__d5Gvb List_light__uu_Tn List_margin__M1ON_"><li><div class="Text_text__CSJ_O"><p><strong>People answering the page need to learn how to deal with incidents. </strong>First line on-callers know how to do this, but specialists are currently there for domain knowledge only. We need to make sure they’re well-trained to lead incidents and communicate effectively with different parts of the business.</p></div></li><li><div class="Text_text__CSJ_O"><p><strong>We need to train folks in our customer operations teams how to identify the right team to page.</strong></p></div></li><li><div class="Text_text__CSJ_O"><p><strong>Our systems aren&#x27;t yet mature enough to be able to isolate the specific team when an alert fires. </strong>For example, a failing microservice might cause an alert to first several levels higher in the call graph.</p></div></li></ul><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="benefits-of-the-specialist-rota">Benefits of the specialist rota</h2><div class="Text_text__CSJ_O"><p>The specialist rota has helped to make sure the people on the primary and shadow rotas don’t feel overwhelmed with the amount of knowledge and context they need to have to be an effective on-call engineer.</p></div><div class="Text_text__CSJ_O"><p>We don’t limit the number of rotas people can be part of. You can be part of either primary/shadow as well as your team’s specialist rota. This lets people from other teams who aren’t part of the primary or shadow rotas to get a sense of on-call with much more relaxed constraints and helps break knowledge silos within the team.</p></div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-3 Title_left__V4Q3q" id="human-centred-on-call">Human centred on-call</h2><div class="Text_text__CSJ_O"><p>All of these initiatives are designed to create a supportive environment for our on-call engineers. To avoid people burning out or putting them in uncomfortable situations before they’re ready.</p></div><div class="Text_text__CSJ_O"><p>As well as providing many routes for engineers to tell us how they’re finding the experience of being on call, we encourage people to take time in lieu if they’ve been paged out-of-hours or over the weekend. More often than not, other people volunteer to take over the pager when they realise someone’s had a particularly rough week on-call. These small things make all the difference sometimes. </p></div><div class="Text_text__CSJ_O"><p>We’ve learnt a lot while going through this process, we continue to iterate, and will write more posts to share as much as we can with the wider community. We’d love to hear how you approach on-call, and if you try out the <a href="https://github.com/monzo/response" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&amp;link_location=Text inline&amp;link_text=Response app&amp;url=https://github.com/monzo/response&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo"><u>Response app</u></a>, we’d love to hear how you get on! </p></div><div class="___dynamic__authorsWrapper__ZVy68"><aside class="Author_Author__B0UIJ"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/4kknMlJlxJEKQgxiXkY67n/2533bbd4acc90b40c0e89ef6774cf1c2/shubeshka-jalan.png?w=300&amp;q=75&amp;fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/4kknMlJlxJEKQgxiXkY67n/2533bbd4acc90b40c0e89ef6774cf1c2/shubeshka-jalan.png?w=300&amp;q=75&amp;fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/4kknMlJlxJEKQgxiXkY67n/2533bbd4acc90b40c0e89ef6774cf1c2/shubeshka-jalan.png?w=300&amp;q=75" alt="shubeshka-jalan" width="150" loading="lazy"/></picture><div><h2 class="Title_title__ofmsr Title_primary__c1rix text-heading-4 Title_left__V4Q3q marginBottom" id="shubheksha-jalan">Shubheksha Jalan</h2><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Backend Engineer</p></div><div class="Text_text__CSJ_O"><p><a class="Button_button__ceqVx Button_link__8caFw Button_inline__TsyTr Button_padWithSpaces__PFrni Button_center__nHk65" data-monzoanalytics-no-tracking="true" target="_self" href="/blog/author/shubheksha-jalan" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Read more from Shubheksha</span></a></p></div></div></aside></div></article><aside class="SocialWidgets_SocialWidgets__g6Zf0 SocialWidgets_floating__D4FWX"><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S SocialWidgets_socialButton__F8TWm" data-monzoanalytics-no-tracking="true" target="_blank" href="http://www.facebook.com/sharer/sharer.php?lang=en&amp;u=https://monzo.com/blog/how-weve-evolved-on-call-at-monzo" rel="noopener noreferrer external" aria-label="Share the article on Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_forceLightMode__FW6x7 Icon_large__yyrlR Icon_image__YFizv" src="/images/social-logos/dark/facebook.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S SocialWidgets_socialButton__F8TWm" data-monzoanalytics-no-tracking="true" target="_blank" href="mailto:?&amp;subject=Check%20out%20this%20blog%20post:https://monzo.com/blog/how-weve-evolved-on-call-at-monzo&amp;body=https://monzo.com/blog/how-weve-evolved-on-call-at-monzo" rel="noopener noreferrer external" aria-label="Share the article via email"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_large__yyrlR" src="/images/icons/dark/email.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S SocialWidgets_socialButton__F8TWm" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.linkedin.com/shareArticle?mini=true&amp;url=https://monzo.com/blog/how-weve-evolved-on-call-at-monzo&amp;source=Monzo" rel="noopener noreferrer external" aria-label="Share the article on LinkedIn"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_forceLightMode__FW6x7 Icon_large__yyrlR Icon_image__YFizv" src="/images/social-logos/dark/linkedin.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></aside></div></div></div></main><section class="BasicSectionContainer_basicSectionContainer__c9eBG BasicSectionContainer_bgColor__RX0NM BasicSectionContainer_noBottomPadding__aY9CG BasicSectionContainer_fullWidthOnMobile__2O2mj"><div class="BasicSectionContainer_basicSectionContainerContent__kFgj_ BasicSectionContainer_fullWidthOnMobile__2O2mj"><footer class="Footer_footer__BdQyf"><span class="VisuallyHidden_root__K5ziU"><h2>Site information and links</h2></span><div class="Footer_navLinksContainer__OcoF_"><div class="FooterNavLinkGroup_footerNavLinkGroup__c_6Nj"><h3 class="FooterNavLinkGroup_title__JvBYI">Products</h3><nav aria-label="products navigation"><ul><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/current-account"><span class="Button_text__5HT7_">Current accounts</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/business-banking"><span class="Button_text__5HT7_">Business accounts</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/savings-isas/instant-access"><span class="Button_text__5HT7_">Savings</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/flex"><span class="Button_text__5HT7_">Credit cards</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/loans"><span class="Button_text__5HT7_">Loans</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/investments"><span class="Button_text__5HT7_">Investments</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/pensions"><span class="Button_text__5HT7_">Pensions</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/home-insurance"><span class="Button_text__5HT7_">Home Insurance</span></a></li></ul></nav></div><div class="FooterNavLinkGroup_footerNavLinkGroup__c_6Nj"><h3 class="FooterNavLinkGroup_title__JvBYI">Company</h3><nav aria-label="company navigation"><ul><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/careers"><span class="Button_text__5HT7_">Careers</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/press"><span class="Button_text__5HT7_">Press</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/blog"><span class="Button_text__5HT7_">Blog</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/book-of-money"><span class="Button_text__5HT7_">The Book of Money</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/investor-information"><span class="Button_text__5HT7_">Investor information</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/helping-everyone-belong-at-monzo"><span class="Button_text__5HT7_">Helping everyone belong</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/modern-slavery-statements"><span class="Button_text__5HT7_">Modern slavery statement</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/protecting-the-environment"><span class="Button_text__5HT7_">Sustainability</span></a></li></ul></nav></div><div class="FooterNavLinkGroup_footerNavLinkGroup__c_6Nj"><h3 class="FooterNavLinkGroup_title__JvBYI">Using Monzo</h3><nav aria-label="using monzo navigation"><ul><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="https://web.monzo.com" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Web app login</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/accessibility"><span class="Button_text__5HT7_">Accessibility</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/supporting-customers"><span class="Button_text__5HT7_">Additional support</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/supporting-customers/life-events"><span class="Button_text__5HT7_">Life events</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/terms-and-conditions" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Terms and Conditions</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/information-about-current-account-services"><span class="Button_text__5HT7_">Information about our current account services</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/learn/money-tomorrow"><span class="Button_text__5HT7_">Savings hub</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/loans/personal-loan-calculator"><span class="Button_text__5HT7_">Personal loan calculator</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/currency-converter"><span class="Button_text__5HT7_">Currency Converter</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/features/1p-saving-challenge"><span class="Button_text__5HT7_">1p Savings Challenge</span></a></li></ul></nav></div><div class="FooterNavLinkGroup_footerNavLinkGroup__c_6Nj"><h3 class="FooterNavLinkGroup_title__JvBYI">Help and security</h3><nav aria-label="help and security navigation"><ul><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/help"><span class="Button_text__5HT7_">Help centre</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/faq"><span class="Button_text__5HT7_">FAQs</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/fraud"><span class="Button_text__5HT7_">Fraud protection</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/security"><span class="Button_text__5HT7_">Security at Monzo</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/money-worries"><span class="Button_text__5HT7_">Money worries</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/fscs-information" rel="noopener noreferrer external"><span class="Button_text__5HT7_">FSCS information</span></a></li></ul></nav></div><div class="FooterNavLinkGroup_footerNavLinkGroup__c_6Nj"><h3 class="FooterNavLinkGroup_title__JvBYI">Site and app information</h3><nav aria-label="site and app information navigation"><ul><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/privacy-notice" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Privacy notice</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/cookie-notice" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Cookie notice</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/browser-support-policy" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Browser support policy</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" href="/legal/mobile-operating-system-support-policy" rel="noopener noreferrer external"><span class="Button_text__5HT7_">Mobile operating system support policy</span></a></li><li><a class="Button_button__ceqVx Button_forceDarkMode__35W_z Button_link__8caFw Button_left__HTDVZ FooterNavLinkGroup_linkBtn__VII8V" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/service-information"><span class="Button_text__5HT7_">App performance</span></a></li></ul></nav></div></div><div class="Footer_localeContainer__T95ei"><nav aria-label="Choose a country/region. The current selection is United Kingdom" id="locale-button"><button aria-expanded="false" class="LocaleButton_button__gGHeR LocaleButton_darkButton__ermxp" data-monzoanalytics-no-tracking="true" type="button"><span class="LocaleButton_localeButton__Bnn7V"><span class="LocaleButton_localeButton__flag__3UTpO">🇬🇧</span><span>United Kingdom<!-- --> | <!-- -->English</span></span></button></nav></div><div class="Footer_logoContainer__8vGDY"><a data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&amp;link_text=Monzo Bank&amp;link_type=navigation&amp;url=/&amp;currentUrl=/blog/how-weve-evolved-on-call-at-monzo" href="/"><svg class="Footer_logo__o21gC" width="1452" height="253" viewBox="0 0 1452 253" fill="none" xmlns="http://www.w3.org/2000/svg" role="img" aria-label="Monzo Bank Logo"><path d="M0.832448 246.432V6.60055H65.7161V38.6625C80.6045 14.0273 102.478 2.07202 131.887 2.07202C161.296 2.07202 183.536 14.5708 199.344 40.474C224.709 14.2085 244.192 2.07202 274.52 2.07202C329.295 2.07202 360.174 32.5037 360.174 88.2952V246.432H290.328V116.553C290.328 83.0421 283.159 67.8263 256.323 67.8263C229.488 67.8263 214.6 84.3101 214.6 116.553V246.432H144.385V116.553C144.385 83.0421 137.217 67.8263 110.381 67.8263C83.5455 67.8263 68.6571 84.3101 68.6571 116.553V246.432H0.648743H0.832448Z" fill="#FF4F40"></path><path d="M442.896 37.9345C467.342 13.8427 499.508 0.438232 532.593 0.438232C567.884 0.438232 598.212 12.5747 622.842 35.2173C648.759 59.3091 662.728 92.458 662.728 124.882C662.728 161.11 650.413 190.999 625.967 215.091C600.969 239.726 570.273 252.587 533.512 252.587C496.751 252.587 466.423 240.088 441.609 214.185C418.082 190.093 405.767 159.299 405.767 125.788C405.767 92.2768 418.817 61.4828 442.896 37.7533V37.9345ZM533.88 185.746C565.678 185.746 591.411 159.48 591.411 126.875C591.411 94.2694 565.494 67.4605 533.88 67.4605C502.265 67.4605 476.348 93.7259 476.348 126.875C476.348 160.024 502.633 185.746 533.88 185.746Z" fill="#FF4F40"></path><path d="M708.122 246.43V6.59884H776.131L775.212 38.6608C790.1 14.569 812.892 2.07031 845.058 2.07031C895.421 2.07031 927.955 33.4077 927.955 88.2935V246.43H856.454V116.552C856.454 83.0404 849.286 67.8246 821.531 67.8246C793.776 67.8246 778.52 84.3084 778.52 116.552V246.43H708.306H708.122Z" fill="#FF4F40"></path><path d="M1231.6 37.9345C1256.05 13.8427 1288.22 0.438232 1321.3 0.438232C1356.59 0.438232 1386.92 12.5747 1411.55 35.2173C1437.47 59.3091 1451.44 92.458 1451.44 124.882C1451.44 161.11 1439.12 190.999 1414.67 215.091C1389.68 239.726 1358.98 252.587 1322.22 252.587C1285.46 252.587 1255.13 240.088 1230.32 214.185C1206.79 190.093 1194.47 159.299 1194.47 125.788C1194.47 92.2768 1207.52 61.4828 1231.6 37.7533V37.9345ZM1322.59 185.746C1354.39 185.746 1380.12 159.48 1380.12 126.875C1380.12 94.2694 1354.2 67.4605 1322.59 67.4605C1290.97 67.4605 1265.06 93.7259 1265.06 126.875C1265.06 160.024 1291.34 185.746 1322.59 185.746Z" fill="#FF4F40"></path><path d="M979.983 246.43V196.435L1080.16 68.7308H979.983V6.59937H1160.85V63.2966L1072.44 184.299H1162.69V246.43H980.167H979.983Z" fill="#FF4F40"></path><title>Monzo Logo</title></svg></a></div><div class="Footer_legalTextContainer__U0YPg"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L Footer_legalText__ib6uK"><p><br/><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div><div class="Footer_socialsContainer__MOmX8"><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_transparent__zbDVa Icon_xlarge__Mbxvh Icon_image__YFizv" src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/instagram.1bbdc4ed.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_transparent__zbDVa Icon_xlarge__Mbxvh Icon_image__YFizv" src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/facebook.94997288.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.linkedin.com/company/monzo-bank" rel="noopener noreferrer external" aria-label="Linkedin"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_transparent__zbDVa Icon_xlarge__Mbxvh Icon_image__YFizv" src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/linkedin.9fc87684.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__ceqVx Button_link__8caFw Button_center__nHk65 Button_hasIcon__bBm7S" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__A1sER"><img class="undefined Icon_icon__qTI5m Icon_transparent__zbDVa Icon_xlarge__Mbxvh Icon_image__YFizv" src="https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736/_next/static/media/youtube.8039ba10.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div><div class="Footer_appStoresContainer__sm4mV"><a data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__xXkuw AppStoreButton_medium__JobEX" href="https://apps.apple.com/app/monzo-mobile-banking/id1052238659"><img alt="Download on the App Store" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/44xU3iWkCju0mgyNK5LSY6/c85239d299e9a9533ecbe144c4d83741/app-store-v2.svg"/></a><a data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__xXkuw AppStoreButton_medium__JobEX" href="https://play.google.com/store/apps/details/Monzo_Bank_Mobile_Banking?id=co.uk.getmondo"><img alt="Get it on Google Play" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/1dUNY6U6unZBTZ6GjU0kHd/28f5e9cbcf9729074c0f8f36d97845c8/google-play-v2.svg"/></a></div></footer></div></section><div class="monzo-com-design-system" data-nosnippet="true" data-testid="cookie-controls"><dialog class="Dialog_Dialog__tJ9Sz Dialog_Dialog--hasBackdrop__dLZB4 Dialog_Dialog--large__pb9NO Dialog_Dialog--positionBottom___GQwj" aria-labelledby="cookie-banner-title"><div class="Dialog_Dialog__content__OF8Nm Dialog_Dialog__focusTarget__f5_BC" tabindex="0"><div class="CookieBanner_CookieBanner__Content__6bcno"><h2 id="cookie-banner-title" class="CookieBanner_CookieBanner__Title__KAthS">Can we use optional cookies?</h2><p style="color:var(--semantic-content-secondary)">We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about <a href="/legal/cookie-notice" target="_blank" rel="noopener noreferrer">our cookie policy</a>.</p><div class="CookieBanner_CookieBanner__Controls__MCAJj"><button aria-disabled="false" class="Button_Button__7VWsG Button_Button--primary__wwzbg Button_Button--medium__hxBko Button Button--primary Button--medium" type="button"><b class="Button_Button__content__mwBf1" aria-hidden="false">Accept all</b></button><button aria-disabled="false" class="Button_Button__7VWsG Button_Button--primary__wwzbg Button_Button--medium__hxBko Button Button--primary Button--medium" type="button"><b class="Button_Button__content__mwBf1" aria-hidden="false">Reject all</b></button><button aria-disabled="false" class="Button_Button__7VWsG Button_Button--secondary__tL6g5 Button_Button--medium__hxBko Button Button--secondary Button--medium" type="button"><b class="Button_Button__content__mwBf1" aria-hidden="false">Customise</b></button></div></div></div></dialog><dialog class="Dialog_Dialog__tJ9Sz Dialog_Dialog--hasBackdrop__dLZB4 Dialog_Dialog--medium__Rx4YW Dialog_Dialog--positionCenter__oMKwC" data-nosnippet="true" aria-labelledby="cookie-dialog-title"><header class="Dialog_Dialog__headerRow__xytC0"><div class="Dialog_Dialog__headerCol__3o6f2 Dialog_Dialog__focusTarget__f5_BC"></div><div class="Dialog_Dialog__btnCol__y55QD"><button aria-label="Close" aria-busy="false" aria-disabled="false" class="IconButton_IconButton__2Fva_ IconButton_IconButton--default__Svw4m IconButton_IconButton--small__OvgbK" type="button"><span class="IconButton_IconButton__content__5JrNv" aria-hidden="false"><svg class="BaseIcon_BaseIcon__Ses7V" width="20" height="20" viewBox="0 0 24 24" fill="none" role="graphics-symbol" aria-hidden="true"><path d="M12 13.4142L7.46446 17.9498C7.26411 18.1501 7.02841 18.2503 6.75735 18.2503C6.4863 18.2503 6.25059 18.1501 6.05025 17.9498C5.8499 17.7494 5.74973 17.5137 5.74973 17.2427C5.74973 16.9716 5.8499 16.7359 6.05025 16.5356L10.5858 12L6.05025 7.46449C5.8499 7.26414 5.74973 7.02844 5.74973 6.75738C5.74973 6.48633 5.8499 6.25062 6.05025 6.05028C6.25059 5.84993 6.4863 5.74976 6.75735 5.74976C7.02841 5.74976 7.26411 5.84993 7.46446 6.05028L12 10.5858L16.5355 6.05028C16.7359 5.84993 16.9716 5.74976 17.2426 5.74976C17.5137 5.74976 17.7494 5.84993 17.9497 6.05028C18.1501 6.25062 18.2503 6.48633 18.2503 6.75738C18.2503 7.02844 18.1501 7.26414 17.9497 7.46449L13.4142 12L17.9497 16.5356C18.1501 16.7359 18.2503 16.9716 18.2503 17.2427C18.2503 17.5137 18.1501 17.7494 17.9497 17.9498C17.7494 18.1501 17.5137 18.2503 17.2426 18.2503C16.9716 18.2503 16.7359 18.1501 16.5355 17.9498L12 13.4142Z" fill="currentColor"></path></svg></span></button></div></header><div class="Dialog_Dialog__content__OF8Nm Dialog_Dialog__focusTarget__f5_BC" tabindex="0"><div class="CookieDialog_CookieDialog__72vSN"><div class="CookieDialog_CookieDialog__CopyContent__DbqpO"><h2 id="cookie-dialog-title" class="text-heading-5">Adjust your cookie preferences</h2><p>We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the <a href="/legal/cookie-notice" target="_blank" rel="noopener noreferrer">Monzo cookie policy</a>.</p></div></div></div></dialog></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"preview":false,"head":{"title":null,"locale":"en-GB","rootUrl":"https://monzo.com","slug":"/blog/how-weve-evolved-on-call-at-monzo","description":"","ogImage":"//images.ctfassets.net/ro61k101ee59/sy73uZ6p4ZDDfZzJvKd0x/d99f53cdca8c5e5d8beb3f2567cd48b7/_Blogpost__Data_Team_articles-03.png"},"pageTheme":"default","sections":[{"content":[{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We've continued to iterate our on-call process since we published this post. Check our latest update on "},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"how we've scaled the process as Monzo has grown"}],"data":{"uri":"https://monzo.com/blog/2022-02-24/scaling-our-on-call-process"},"nodeType":"hyperlink"},{"data":{},"marks":[],"nodeType":"text","value":"."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"blockquote"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Back in 2018, "},{"content":[{"data":{},"marks":[{"type":"underline"}],"nodeType":"text","value":"we published a post about how we do on-call at Monzo"}],"data":{"uri":"https://monzo.com/blog/2018/09/20/on-call"},"nodeType":"hyperlink"},{"data":{},"marks":[],"nodeType":"text","value":". We've come a long way since then. And as more customers join and we offer more services, it’s increasingly important that we’re able to keep our systems running smoothly at all times."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"But how do we do that in a human way? That doesn't put our engineers in uncomfortable situations they're not ready for, or risk people burning out?"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"In the past year we've made a few changes designed to create a supportive environment for our on-call engineers, that still help us respond to incidents effectively."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"These changes have helped make the rotas so popular we’ve ended up with a waiting list for engineers who want to join! So we'll share them here for other organisations looking to design human-centred on-call processes."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"The first line of defence"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"As before, our first line of defence is still made up of a primary and shadow on-caller. These are the folks that get paged when something with our platform breaks, one of our internal tools malfunctions or when we’re not entirely sure what the problem is. For example, our customer operations team will escalate to them if they’re seeing some uncharacteristic behavior with payments.  "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Primary on-callers are usually experienced engineers who are familiar with leading and coordinating incidents with varying technical expertise. "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Shadow on-callers are folks who are new to being on-call (either at Monzo or otherwise) and wish to learn more by participating in incidents and observing the primary on-callers. We know on-call can feel daunting so this rota gives them an opportunity to see incidents first-hand, ask questions and gradually increase their confidence handling on-call tasks. The ultimate goal is for a shadow on-caller to get comfortable enough to graduate to the primary rota."}],"data":{},"nodeType":"paragraph"},{"content":[],"data":{"target":{"fields":{"description":"platform, payments, security","file":{"contentType":"image/png","details":{"image":{"height":1602,"width":2400},"size":399701},"fileName":"image (3).png","url":"//images.ctfassets.net/ro61k101ee59/dMGr9NHpte9Nc9LFSI8gk/81d51c31e0a9b88257c02c09c68a0469/image__3_.png"},"title":"platform, payments, security on call"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2020-05-11T10:15:06.655Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"dMGr9NHpte9Nc9LFSI8gk","locale":"en","publishedVersion":21,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2020-05-11T10:15:06.655Z"}}},"nodeType":"embedded-asset-block"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":""}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Every engineer can join the rota, to build their skills and share the workload"}],"data":{},"nodeType":"heading-3"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"As was the case previously, our on-call rotas are staffed by paid volunteers across a variety of engineering teams (more on that later). "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"The last time we opened slots on our shadow rota, we had over double the number of slots we needed to fill. We’re going to write a separate blog post about how we run the shadow rota and what has made it successful."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We have two rotas, to make sure we distribute the work fairly"}],"data":{},"nodeType":"heading-3"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We have two rotas for scheduling purposes."}],"data":{},"nodeType":"paragraph"},{"content":[{"content":[{"content":[{"data":{},"marks":[{"type":"bold"}],"nodeType":"text","value":"In-hours:"},{"data":{},"marks":[],"nodeType":"text","value":" 10am-6pm Monday to Friday. This rota is staffed with members of the Platform team. We’re planning to expand to other engineering teams soon. The main job of the engineers staffing this rota is to help find the right team to redirect the issue in case they’re not already involved."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"},{"content":[{"content":[{"data":{},"marks":[{"type":"bold"}],"nodeType":"text","value":"Out-of-hours:"},{"data":{},"marks":[],"nodeType":"text","value":" everything else (6pm-10am Monday to Friday and weekends)"}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"}],"data":{},"nodeType":"ordered-list"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Both the primary and shadow rota are staffed with 8 volunteer on-callers each and must acknowledge a page message within 15 minutes. Based on the data from Pager Duty, all of the pages are acknowledged in under 5 minutes!"}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"On-call can be demanding, so we pay engineers when they're on-call"}],"data":{},"nodeType":"heading-3"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We believe it’s important to not only recognise, but also compensate people for the disruption being on-call outside of work hours can cause. As a result, all out-of-hours on-call at Monzo is paid."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Both primary and shadow on-call engineers get £500 per week. We don’t pay per incident as we don’t want to incentivise the wrong metrics. "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Introducing a second line of defence: the specialists"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"As we've grown very rapidly, so have our systems to serve our customers. It’s been challenging for our primary on-callers to have context on every single aspect of our system, so we’ve introduced a second layer. This is where the specialist on-callers come in."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Our specialist on-callers serve as the second line of defence and bring much-needed domain expertise to incidents. This in turn helps lighten the load on our primary on-callers, who can instead focus on leading and coordinating our response."}],"data":{},"nodeType":"paragraph"},{"content":[],"data":{"target":{"fields":{"description":"on call specialists","file":{"contentType":"image/png","details":{"image":{"height":1932,"width":2664},"size":556564},"fileName":"image (4).png","url":"//images.ctfassets.net/ro61k101ee59/2emMwcCayni9igZFmMK9Rk/47cc8a14635e7febe92793f94af1e104/image__4_.png"},"title":"on call specialists"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2020-05-11T10:16:12.301Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2emMwcCayni9igZFmMK9Rk","locale":"en","publishedVersion":13,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2020-05-11T10:16:12.301Z"}}},"nodeType":"embedded-asset-block"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Every engineer in their team can join the rota, to build their skills and share the workload"}],"data":{},"nodeType":"heading-3"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Our specialist rota is also staffed by volunteers, but we approach scheduling in a different way to the primary on-call rota. We have a rota for each specialist area, for example payments. "}],"data":{},"nodeType":"paragraph"},{"content":[{"content":[{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Since the goal is to provide domain expertise, the rota is staffed by members of a particular team. The payments specialist rota is staffed by the members of the payments team."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"},{"content":[{"content":[{"data":{},"marks":[],"nodeType":"text","value":"They run all week from 6pm on a Friday to 6pm the next Friday."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"}],"data":{},"nodeType":"ordered-list"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Engineers on specialist rotas agree to acknowledge a page within 1 hour."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"On-call can be demanding, so we pay engineers when they're on-call"}],"data":{},"nodeType":"heading-3"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We pay everyone on the specialist rota £300 per week as the probability of getting paged is much lower than being on the primary rota."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Bringing in the specialists"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"The primary on-caller can bring in a specialist whenever they need support. For example, an alert about a database node being down is fired and the primary and shadow on-callers are paged. They acknowledge the page and start working to mitigate the problem with the help of runbooks."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"If, after a little while, they feel out of their depth, they escalate to the Cassandra specialist (our main storage backend). All of this is handled by tooling we built in-house and integrated with Slack. The specialist then jumps in and works with them to mitigate the impact."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"In such cases, the primary and shadow on-callers are typically responsible for leading the incident and coordinating overall response: making sure the relevant parts of the business and stakeholders are kept in the loop, the different bits of the investigation are not being duplicated across engineers, etc. This let’s the specialist on-caller focus completely on mitigation and technical investigation."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"The specialists can also page another team if, for example, the incident impacts multiple different systems each requiring their own domain knowledge. "}],"data":{},"nodeType":"paragraph"},{"content":[],"data":{"target":{"fields":{"file":{"contentType":"image/png","details":{"image":{"height":705,"width":1280},"size":303884},"fileName":"specialist-escalation-screenshot.png","url":"//images.ctfassets.net/ro61k101ee59/5xxB6c4vRtji2zkDTfZoxX/697b283d32e913542f3f9423e4a1a125/specialist-escalation-screenshot.png"},"title":"Incidents at Monzo - IncidentBot screenshot"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2020-05-11T11:31:21.835Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5xxB6c4vRtji2zkDTfZoxX","locale":"en","publishedVersion":49,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2020-05-11T11:48:15.403Z"}}},"nodeType":"embedded-asset-block"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"This tool, called Response, is a Django app and we’ve "},{"content":[{"data":{},"marks":[{"type":"underline"}],"nodeType":"text","value":"open sourced the code"}],"data":{"uri":"https://github.com/monzo/response"},"nodeType":"hyperlink"},{"data":{},"marks":[],"nodeType":"text","value":" so you can try it out too. "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Routing domain specific pages directly to the specialist"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"It’s very important for us to make sure that our engineers are well-rested and on-call doesn’t have a long lasting detrimental impact on their lives. Part of that is making sure the first line on-callers are only paged when we need them. In some cases when we can identify a domain-specific issue, we can route pages straight to specialists."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"For example, if a cron job related to ordering of debit cards fails at 3am, we page the engineer on-call for the payments team directly (this is configured in the alert directly) rather than waking up the primary and shadow on-callers first and having them escalate to the payments specialist."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Currently, we have this in place for alerts for which it is straightforward to define team ownership. This isn’t true for all alerts within our system as of now and a lot of incidents still wake up the first line on-callers who then escalate to the relevant team after doing an initial investigation. But we expect to keep improving this in time."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Over time we expect the responsibilities between the first line and specialist on-callers to reverse: almost everything should route directly to the team who owns the system and/or are best placed to handle the issue, and the first line rotation becomes a safety net for incidents and alerts that we can't easily determine a team for."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"This is our north star that we’re actively working towards. But it’ll take us some more time to get there because:"}],"data":{},"nodeType":"paragraph"},{"content":[{"content":[{"content":[{"data":{},"marks":[{"type":"bold"}],"nodeType":"text","value":"People answering the page need to learn how to deal with incidents. "},{"data":{},"marks":[],"nodeType":"text","value":"First line on-callers know how to do this, but specialists are currently there for domain knowledge only. We need to make sure they’re well-trained to lead incidents and communicate effectively with different parts of the business."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"},{"content":[{"content":[{"data":{},"marks":[{"type":"bold"}],"nodeType":"text","value":"We need to train folks in our customer operations teams how to identify the right team to page."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"},{"content":[{"content":[{"data":{},"marks":[{"type":"bold"}],"nodeType":"text","value":"Our systems aren't yet mature enough to be able to isolate the specific team when an alert fires. "},{"data":{},"marks":[],"nodeType":"text","value":"For example, a failing microservice might cause an alert to first several levels higher in the call graph."}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"list-item"}],"data":{},"nodeType":"unordered-list"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Benefits of the specialist rota"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"The specialist rota has helped to make sure the people on the primary and shadow rotas don’t feel overwhelmed with the amount of knowledge and context they need to have to be an effective on-call engineer."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We don’t limit the number of rotas people can be part of. You can be part of either primary/shadow as well as your team’s specialist rota. This lets people from other teams who aren’t part of the primary or shadow rotas to get a sense of on-call with much more relaxed constraints and helps break knowledge silos within the team."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"Human centred on-call"}],"data":{},"nodeType":"heading-2"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"All of these initiatives are designed to create a supportive environment for our on-call engineers. To avoid people burning out or putting them in uncomfortable situations before they’re ready."}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"As well as providing many routes for engineers to tell us how they’re finding the experience of being on call, we encourage people to take time in lieu if they’ve been paged out-of-hours or over the weekend. More often than not, other people volunteer to take over the pager when they realise someone’s had a particularly rough week on-call. These small things make all the difference sometimes. "}],"data":{},"nodeType":"paragraph"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":"We’ve learnt a lot while going through this process, we continue to iterate, and will write more posts to share as much as we can with the wider community. We’d love to hear how you approach on-call, and if you try out the "},{"content":[{"data":{},"marks":[{"type":"underline"}],"nodeType":"text","value":"Response app"}],"data":{"uri":"https://github.com/monzo/response"},"nodeType":"hyperlink"},{"data":{},"marks":[],"nodeType":"text","value":", we’d love to hear how you get on! "}],"data":{},"nodeType":"paragraph"}],"componentProps":{},"blogData":{"blogTitle":"How we’ve evolved on-call at Monzo","blogStartDate":"2020-05-11T00:00+01:00","blogCategories":[{"fields":{"categoryName":"Technology"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"blogCategory","linkType":"ContentType","type":"Link"}},"createdAt":"2019-06-12T12:46:58.450Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"GL1Thz0Mk7TgQckzZd7Xc","locale":"en","publishedVersion":8,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-06-27T15:48:53.493Z"}}],"blogAuthors":[{"fields":{"jobTitle":"Backend Engineer","name":"Shubheksha Jalan","profilePicture":{"fields":{"file":{"contentType":"image/png","details":{"image":{"height":150,"width":150},"size":41272},"fileName":"shubeshka-jalan.png","url":"//images.ctfassets.net/ro61k101ee59/4kknMlJlxJEKQgxiXkY67n/2533bbd4acc90b40c0e89ef6774cf1c2/shubeshka-jalan.png"},"title":"shubeshka-jalan"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2020-05-11T10:24:51.308Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4kknMlJlxJEKQgxiXkY67n","locale":"en","publishedVersion":3,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2020-05-11T10:24:51.308Z"}}},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"author","linkType":"ContentType","type":"Link"}},"createdAt":"2020-05-11T10:24:55.124Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4MY0UQvebkyXnPIYfF5AB1","locale":"en","publishedVersion":7,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2020-05-11T10:24:55.124Z"}}]},"nextLocale":"gb","locale":{"language":{"flag":"🇬🇧","name":"English","regionName":"United Kingdom","i18nName":"","languageCode":"en","contentfulLocaleCode":"en","localeCode":"en-GB","features":{"legal":true,"careers":true,"signUp":true,"marketing":true}},"region":{"alpha2":"GB","alpha3":"GBR","defaultLanguageCode":"en","shortName":"UK","name":"United Kingdom","flag":"🇬🇧","languages":[{"flag":"🇬🇧","name":"English","regionName":"United Kingdom","i18nName":"","languageCode":"en","contentfulLocaleCode":"en","localeCode":"en-GB","features":{"legal":true,"careers":true,"signUp":true,"marketing":true}}]}},"anonID":"anon_d24e61ad-433c-4c74-b718-eeba2375c4fe","experiments":[],"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"copy":{"app-store-button.app-store.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download on the App Store"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download on the App Store"},"source":"TMS"}}},"app-store-button.play-store.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get it on Google Play"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Get it on Google Play"},"source":"TMS"}}},"app_monzo_com.article.table_of_contents":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Table of Contents"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Table of Contents"},"source":"TMS"}}},"app_monzo_com.layout_minimal.footer.legal_disclosure":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 730427."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details. Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo's failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage. © 2025 Monzo, Inc. All rights reserved."},"source":"TMS"}}},"app_monzo_com.layout_minimal.footer.privacy_notice_link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"https://monzo.com/legal/privacy-notice/"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"https://webviews.monzo.com/usa/privacy-notice"},"source":"TMS"}}},"app_monzo_com.layout_minimal.footer.privacy_notice_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Privacy Notice"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Privacy Notice"},"source":"TMS"}}},"app_monzo_com.layout_minimal.footer.terms_link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"https://monzo.com/legal/terms-and-conditions/"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"https://webviews.monzo.com/usa/lead-bank-terms-of-service"},"source":"TMS"}}},"app_monzo_com.layout_minimal.footer.terms_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Terms and Conditions"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Lead Bank Terms"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-advertising-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Advertising cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Advertising cookies"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-advertising-summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-analytics-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Analytics cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Analytics cookies"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-analytics-summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-functional-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Functional cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Functional cookies"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-functional-summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"These cookies allow optional features to work, but don't track you or your behaviour."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"These cookies allow optional features to work, but don't track you or your behaviour."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-marketing-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Marketing cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Marketing cookies"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-marketing-summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-required-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Required cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Required cookies"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.category-required-summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.column-cookie":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cookie"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cookie"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.column-expires":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Expires"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Expires"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.column-used-to":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Used to"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Used to"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"A full list of the cookies we use across Monzo’s websites."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"A full list of the cookies we use across Monzo’s websites."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.empty":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Our cookie list is being updated. In the meantime, you can manage your cookie preferences on our \u003clink\u003ecookie notice\u003c/link\u003e page."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Our cookie list is being updated. In the meantime, you can manage your cookie preferences on our \u003clink\u003ecookie notice\u003c/link\u003e page."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.hero-title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cookie List"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cookie List"},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.intro":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"These are the cookies we use across Monzo’s websites. To choose which ones we can use, visit our \u003clink\u003ecookie notice\u003c/link\u003e."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"These are the cookies we use across Monzo’s websites. To choose which ones we can use, visit our \u003clink\u003ecookie notice\u003c/link\u003e."},"source":"TMS"}}},"app_monzo_com.legal.cookie-list.page-title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cookie List"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cookie List"},"source":"TMS"}}},"app_monzo_com.legal.past_versions":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Past versions"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Past versions"},"source":"TMS"}}},"app_monzo_com.legal.version":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Version {{ label }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Version {{ label }}"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.autoselect_error_one":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You need a personal account to have a joint or an Under 16s account"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You need a personal account to have a joint or an Under 16s account"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.autoselect_error_two":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"so we can confirm who you are. Once you have it, you don't have to use it if you don't want to."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"so we can confirm who you are. Once you have it, you don't have to use it if you don't want to."},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.blurb":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You can choose more than one:"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You can choose more than one:"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.business_account_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Business"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Business"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.child_account_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Under 16s (for 6–15 year olds)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Under 16s (for 6–15 year olds)"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.company_type_error":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Choose the option that best describes your business"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Choose the option that best describes your business"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.error":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"There was an unknown error submitting your details. Try again later."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"There was an unknown error submitting your details. Try again later."},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.idle_submit":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get on the waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Get on the waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.joint_account_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Joint"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Joint"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.legend":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Preferred bank account(s)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Preferred bank account(s)"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.loading_submit":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Joining the waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Joining the waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.other_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Other"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Other"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.personal_account_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Personal"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Personal"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.private_company_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I'm a limited company"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I'm a limited company"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.sole_trader_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I'm a sole trader"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I'm a sole trader"},"source":"TMS"}}},"app_monzo_com.waitlist.account_form.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Which accounts are you after?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Which accounts are you after?"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.error_generic":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"There was an unknown error submitting your details. Try again later."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"There was an unknown error submitting your details. Try again later."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.error_missing_code":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This link is missing its code. Please use the original link."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This link is missing its code. Please use the original link."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.form_blurb":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card. [Ts\u0026Cs and eligibility criteria apply.]({{ terms_url }})"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card. [Ts\u0026Cs and eligibility criteria apply.]({{ terms_url }})"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.form_blurb_smallprint":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Only the first 250 people to sign through this page can skip the queue. The €25 is limited to the first 10,000 people to spend on their card."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Only the first 250 people to sign through this page can skip the queue. The €25 is limited to the first 10,000 people to spend on their card."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.form_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You've been invited to the early access waitlist for Monzo in Spain 🇪🇸"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You've been invited to the early access waitlist for Monzo in Spain 🇪🇸"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.language_en":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"English"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"English"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.language_es":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Español"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Español"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.meta_description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.og_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You've been invited to the early access waitlist for Monzo in Spain"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You've been invited to the early access waitlist for Monzo in Spain"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.page_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Join the Monzo Spain waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Join the Monzo Spain waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.success_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"An email's on its way.\u003cbr\u003eOpen it up and secure\u003cbr\u003ea spot."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"An email's on its way.\u003cbr\u003eOpen it up and secure\u003cbr\u003ea spot."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.terms":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Your data will be processed as part of our [privacy notice]({{ privacy_notice_url }}). By signing up to our waitlist you're giving us permission to contact you about products and services in your location, and how you can be involved."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Your data will be processed as part of our [privacy notice]({{ privacy_notice_url }}). By signing up to our waitlist you're giving us permission to contact you about products and services in your location, and how you can be involved."},"source":"TMS"}}},"app_monzo_com.waitlist.affiliates.terms_consent":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.action_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Or head to the app store and\u003cbr /\u003e search for \\u2018Monzo\\u2019."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Or head to the app store and\u003cbr /\u003e search for \\u2018Monzo\\u2019."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.action_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Scan to download the Monzo app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Scan to download the Monzo app"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.big_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"It's happening"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"It's happening"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_four_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Up to \\u20AC100,000 by the Deposit Guarantee Scheme,"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Up to \\u20AC100,000 by the Deposit Guarantee Scheme,"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_four_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Eligible deposits are protected"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Eligible deposits are protected"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_one_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Changing the way they feel about money"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Changing the way they feel about money"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_one_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"{{ number_of_customers }} million customers in the UK"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"{{ number_of_customers }} million customers in the UK"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_three_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Authorised by the Central Bank of Ireland."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Authorised by the Central Bank of Ireland."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_three_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo is a regulated Bank"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo is a regulated Bank"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_two_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"67% of people join through word of mouth."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"67% of people join through word of mouth."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.carousel_two_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Customers love us"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Customers love us"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.download_button":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download the app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download the app"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.download_details":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download the Monzo app to find out your position and generally just take a look around."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download the Monzo app to find out your position and generally just take a look around."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.error_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Something went wrong. Please try again later."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Something went wrong. Please try again later."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.expired_header":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"It's been a while, can we try again?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"It's been a while, can we try again?"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.expired_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You signed up to the waitlist a some time ago, and this email confirmation link has gone stale. We've sent you a new one to your email inbox. \u003cbr /\u003e \u003cbr /\u003e Go confirm your email whilst it's fresh to help keep your new account secure, the link will expire in 2 weeks."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You signed up to the waitlist a some time ago, and this email confirmation link has gone stale. We've sent you a new one to your email inbox. \u003cbr /\u003e \u003cbr /\u003e Go confirm your email whilst it's fresh to help keep your new account secure, the link will expire in 2 weeks."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.loading":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Confirming your email address"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Confirming your email address"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.next_step_one":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download app"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.next_step_three":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Find out your position"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Find out your position"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.next_step_two":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Tap \\u2018I\\u2019m new to Monzo\\u2019 on the first screen"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Tap \\u2018I\\u2019m new to Monzo\\u2019 on the first screen"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.next_steps_subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Head over to the app to unlock exclusive perks and content to get you set up with Monzo."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Head over to the app to unlock exclusive perks and content to get you set up with Monzo."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.next_steps_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"What's Next"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"What's Next"},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.second_line_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Your name's officially on the list."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Your name's officially on the list."},"source":"TMS"}}},"app_monzo_com.waitlist.confirm_page.unlaunched_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We love that you love Monzo!\u003cbr /\u003eYou'll be the first to know when we arrive."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We love that you love Monzo!\u003cbr /\u003eYou'll be the first to know when we arrive."},"source":"TMS"}}},"app_monzo_com.waitlist.download_page.button_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Open the app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Open the app"},"source":"TMS"}}},"app_monzo_com.waitlist.download_page.desktop_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You'll need your phone for that"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You'll need your phone for that"},"source":"TMS"}}},"app_monzo_com.waitlist.download_page.mobile_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You'll need the app for that"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You'll need the app for that"},"source":"TMS"}}},"app_monzo_com.waitlist.download_page.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download the Monzo app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download the Monzo app"},"source":"TMS"}}},"app_monzo_com.waitlist.form_error.existing_user_button":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Go to help article"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Go to help article"},"source":"TMS"}}},"app_monzo_com.waitlist.form_error.existing_user_header":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"It looks like you already have an account"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"It looks like you already have an account"},"source":"TMS"}}},"app_monzo_com.waitlist.form_error.existing_user_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Unfortunately, you can only have a Monzo account in one country at a time, and you'll need to close your existing account first. \u003cbr /\u003e \u003cbr /\u003e Once you've closed your existing account, you can sign up to the waitlist again."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Unfortunately, you can only have a Monzo account in one country at a time, and you'll need to close your existing account first. \u003cbr /\u003e \u003cbr /\u003e Once you've closed your existing account, you can sign up to the waitlist again."},"source":"TMS"}}},"app_monzo_com.waitlist.info_form.email_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Email address"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Email address"},"source":"TMS"}}},"app_monzo_com.waitlist.info_form.invalid_email_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You must enter a valid email address"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You must enter a valid email address"},"source":"TMS"}}},"app_monzo_com.waitlist.info_form.legend":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Personal information"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Personal information"},"source":"TMS"}}},"app_monzo_com.waitlist.info_form.submit":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Continue"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Continue"},"source":"TMS"}}},"app_monzo_com.waitlist.info_form.terms":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We secure your data in line with our [privacy notice](/ie/legal/privacy-notice/).\u003cbr\u003e\u003cbr\u003e\nBy registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We secure your data in line with our [privacy notice](/ie/legal/privacy-notice/).\u003cbr\u003e\u003cbr\u003e\nBy registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them."},"source":"TMS"}}},"app_monzo_com.waitlist.launched.account_form.success_message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"An email's on its way.\u003cbr\u003eOpen it up and secure\u003cbr\u003ea spot."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"An email's on its way.\u003cbr\u003eOpen it up and secure\u003cbr\u003ea spot."},"source":"TMS"}}},"app_monzo_com.waitlist.launched.info_form.blurb":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Be one of the first people to have Monzo in {{ region_name }} and help us shape the experience together."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Be one of the first people to have Monzo in {{ region_name }} and help us shape the experience together."},"source":"TMS"}}},"app_monzo_com.waitlist.launched.info_form.blurb_referral":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain. Join the waitlist, refer friends to move up the queue, and earn rewards if you're among the first customers to start spending."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Be one of the first to try Monzo in Spain. Join the waitlist, refer friends to move up the queue, and earn rewards if you're among the first customers to start spending."},"source":"TMS"}}},"app_monzo_com.waitlist.launched.info_form.offer":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get €25 when you’re one of the first 10,000 to pay with your new Monzo card on a personal account.\u003cbr\u003e\u003cbr\u003eGet another €50 if you’re one of the first 1,000 businesses or sole traders to spend on your business banking card.\u003cbr\u003e\u003cbr\u003e[Offer Terms.]({{ promo_terms_url }})"},"source":"TMS"}}},"app_monzo_com.waitlist.launched.info_form.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get your name on the list {{ region_flag }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Get your name on the list {{ region_flag }}"},"source":"TMS"}}},"app_monzo_com.waitlist.launched.info_form.title_referral":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Someone referred you to the early access waitlist for Monzo in {{ region_name }} {{ region_flag }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Someone referred you to the early access waitlist for Monzo in {{ region_name }} {{ region_flag }}"},"source":"TMS"}}},"app_monzo_com.waitlist.leave_page.success_blurb":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We won't contact you about Monzo waitlist anymore."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We won't contact you about Monzo waitlist anymore."},"source":"TMS"}}},"app_monzo_com.waitlist.leave_page.success_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You've been removed from the waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You've been removed from the waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.leave_page.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Leave the {{ region_name }} waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Leave the {{ region_name }} waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.page_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Join the {{ region_name }} waitlist"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Join the {{ region_name }} waitlist"},"source":"TMS"}}},"app_monzo_com.waitlist.referral_error.button":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Join waitlist without referral"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Join waitlist without referral"},"source":"TMS"}}},"app_monzo_com.waitlist.referral_error.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"It could be an issue with the link or the person who sent it to you. Ask them to resend it so you can try again. \u003cbr /\u003e\u003cbr /\u003eYou can join the waitlist without their referral but neither of you will get bumped up the list."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"It could be an issue with the link or the person who sent it to you. Ask them to resend it so you can try again. \u003cbr /\u003e\u003cbr /\u003eYou can join the waitlist without their referral but neither of you will get bumped up the list."},"source":"TMS"}}},"app_monzo_com.waitlist.referral_error.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Ah, we have a problem"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Ah, we have a problem"},"source":"TMS"}}},"app_monzo_com.waitlist.regulatory_text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland."},"source":"TMS"}}},"app_monzo_com.waitlist.risk_rating.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk."},"source":"TMS"}}},"app_monzo_com.waitlist.risk_rating.disclaimer":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo is a member of the Irish Deposit Guarantee Scheme. For money deposits the maximum guaranteed amount is 100,000 euros per account holder and entity."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo is a member of the Irish Deposit Guarantee Scheme. For money deposits the maximum guaranteed amount is 100,000 euros per account holder and entity."},"source":"TMS"}}},"app_monzo_com.waitlist.risk_rating.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Risk indicator for all Monzo accounts"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Risk indicator for all Monzo accounts"},"source":"TMS"}}},"ayuda.article.feedback.no":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"No"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"No"},"source":"TMS"}}},"ayuda.article.feedback.question":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Was this article helpful?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Was this article helpful?"},"source":"TMS"}}},"ayuda.article.feedback.thanks":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Thank you for your feedback!"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Thank you for your feedback!"},"source":"TMS"}}},"ayuda.article.feedback.yes":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Yes"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Yes"},"source":"TMS"}}},"ayuda.article.related.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Related articles"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Related articles"},"source":"TMS"}}},"ayuda.article.seo.title.prefix":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo Help"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo Help"},"source":"TMS"}}},"ayuda.breadcrumb.home":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Help "},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Help "},"source":"TMS"}}},"ayuda.category.empty":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Sorry, we don't have any articles for this category."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Sorry, we don't have any articles for this category."},"source":"TMS"}}},"ayuda.category.mobile.nav.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Help articles"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Help articles"},"source":"TMS"}}},"ayuda.contact.get.in.touch":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get in touch with us in app"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Get in touch with us in app"},"source":"TMS"}}},"ayuda.contact.phone.disclaimer":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The number above is only for customer support queries and we won't be able to help with other questions. We're free to call, but if you're calling from abroad, please be aware that you may be charged by your phone provider."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The number above is only for customer support queries and we won't be able to help with other questions. We're free to call, but if you're calling from abroad, please be aware that you may be charged by your phone provider."},"source":"TMS"}}},"ayuda.contact.ps17.link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"PS17/26"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"PS17/26"},"source":"TMS"}}},"ayuda.contact.ps17.middle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"a document from the Financial Conduct Authority, see"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"a document from the Financial Conduct Authority, see"},"source":"TMS"}}},"ayuda.contact.ps17.prefix":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"If you're looking for our"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"If you're looking for our"},"source":"TMS"}}},"ayuda.contact.ps17.services.link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Information about our Personal Current Account Services"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Information about our Personal Current Account Services"},"source":"TMS"}}},"ayuda.contact.psd.link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"European Commission's frequently asked questions"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"European Commission's frequently asked questions"},"source":"TMS"}}},"ayuda.contact.psd.prefix":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"If you're looking for information about the Payment Services Directive, see the"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"If you're looking for information about the Payment Services Directive, see the"},"source":"TMS"}}},"ayuda.contact.rights.link":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"leaflet published by the European Commission"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"leaflet published by the European Commission"},"source":"TMS"}}},"ayuda.contact.rights.prefix":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"If you're looking for information on your rights when making payments in Europe, you can find it in this"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"If you're looking for information on your rights when making payments in Europe, you can find it in this"},"source":"TMS"}}},"ayuda.contact.table.account.type":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Account Type"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Account Type"},"source":"TMS"}}},"ayuda.contact.table.current.account":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Current Account"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Current Account"},"source":"TMS"}}},"ayuda.contact.table.from.abroad":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"From abroad"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"From abroad"},"source":"TMS"}}},"ayuda.contact.table.from.local":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"From the UK"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"From the US"},"source":"TMS"}}},"ayuda.emergency.cta":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Protect your account"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Protect your account"},"source":"TMS"}}},"ayuda.emergency.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Check your balance and freeze your card"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Check your balance and freeze your card"},"source":"TMS"}}},"ayuda.emergency.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Lost card or phone"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Lost card or phone"},"source":"TMS"}}},"ayuda.home.hero.alt":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"a group of speech bubbles with random icons, surrounded by stars."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"a group of speech bubbles with random icons, surrounded by stars."},"source":"TMS"}}},"ayuda.home.hero.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How can we help you today?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How can we help you today?"},"source":"TMS"}}},"ayuda.home.seo.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The home for everything you need to know about using Monzo."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The home for everything you need to know about using Monzo."},"source":"TMS"}}},"checklist-email-submission.email.invalid":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Enter a valid email address"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Enter a valid email address"},"source":"TMS"}}},"consent-management.category-advertising.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Advertising cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Advertising cookies"},"source":"TMS"}}},"consent-management.category-advertising.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing."},"source":"TMS"}}},"consent-management.category-analytics.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Analytics cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Analytics cookies"},"source":"TMS"}}},"consent-management.category-analytics.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long."},"source":"TMS"}}},"consent-management.category-functionality.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Functional cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Functional cookies"},"source":"TMS"}}},"consent-management.category-functionality.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"These cookies allow optional features to work, but don't track you or your behaviour."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"These cookies allow optional features to work, but don't track you or your behaviour."},"source":"TMS"}}},"consent-management.category-marketing.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Marketing cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Marketing cookies"},"source":"TMS"}}},"consent-management.category-marketing.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you."},"source":"TMS"}}},"consent-management.category-required.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Required cookies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Required cookies"},"source":"TMS"}}},"consent-management.category-required.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?"},"source":"TMS"}}},"consent-management.cookie-banner.allow-all":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Accept all"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Accept all"},"source":"TMS"}}},"consent-management.cookie-banner.cookie-notice-url":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"/legal/cookie-notice"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"/legal/cookie-notice"},"source":"TMS"}}},"consent-management.cookie-banner.customise":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Customise"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Customise"},"source":"TMS"}}},"consent-management.cookie-banner.reject-all":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Reject all"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Reject all"},"source":"TMS"}}},"consent-management.cookie-banner.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about \u003cLink\u003eour cookie policy\u003c/Link\u003e."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about \u003cLink\u003eour cookie policy\u003c/Link\u003e."},"source":"TMS"}}},"consent-management.cookie-banner.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Can we use optional cookies?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Can we use optional cookies?"},"source":"TMS"}}},"consent-management.cookie-dialog.cookie-notice-url":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"/legal/cookie-notice"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"/legal/cookie-notice"},"source":"TMS"}}},"consent-management.cookie-dialog.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the \u003cLink\u003eMonzo cookie policy\u003c/Link\u003e."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the \u003cLink\u003eMonzo cookie policy\u003c/Link\u003e."},"source":"TMS"}}},"consent-management.cookie-dialog.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Adjust your cookie preferences"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Adjust your cookie preferences"},"source":"TMS"}}},"consent-management.cookie-form.save-preferences":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Save preferences"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Save preferences"},"source":"TMS"}}},"copy.human_date.at":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"{{day}} at {{time}}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"{{day}} at {{time}}"},"source":"TMS"}}},"copy.human_date.days_from_now":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} day from now"},"other":"{{count}} days from now","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} day from now"},"other":"{{count}} days from now","plural_type":""},"source":"TMS"}}},"copy.human_date.today":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Today"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Today"},"source":"TMS"}}},"copy.human_date.tomorrow":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Tomorrow"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Tomorrow"},"source":"TMS"}}},"copy.human_date.yesterday":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Yesterday"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Yesterday"},"source":"TMS"}}},"copy.human_time_interval.days":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} day"},"other":"{{count}} days","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} day"},"other":"{{count}} days","plural_type":""},"source":"TMS"}}},"copy.human_time_interval.hours":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} hour"},"other":"{{count}} hours","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} hour"},"other":"{{count}} hours","plural_type":""},"source":"TMS"}}},"copy.human_time_interval.minutes":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} minute"},"other":"{{count}} minutes","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} minute"},"other":"{{count}} minutes","plural_type":""},"source":"TMS"}}},"copy.human_time_interval.seconds":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} second"},"other":"{{count}} seconds","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} second"},"other":"{{count}} seconds","plural_type":""},"source":"TMS"}}},"copy.human_time_interval.weeks":{"localized_messages":{"en-GB":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} week"},"other":"{{count}} weeks","plural_type":""},"source":"TMS"},"en-US":{"type":"PLURAL_FORMS","plural_forms":{"one":{"content":"{{count}} week"},"other":"{{count}} weeks","plural_type":""},"source":"TMS"}}},"cta-section.es.subtitle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Join over {{ customerCount }} personal and business customers in the UK already banking with Monzo."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Join over {{ customerCount }} personal and business customers in the UK already banking with Monzo."},"source":"TMS"}}},"cta-section.es.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Get early access"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Get early access"},"source":"TMS"}}},"error-page.homepage-button.text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Visit the homepage"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Visit the homepage"},"source":"TMS"}}},"error-page.not-found.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Sorry, we can't find the page you're looking for"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Sorry, we can't find the page you're looking for"},"source":"TMS"}}},"error-page.not-found.seo-description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Page not found"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Page not found"},"source":"TMS"}}},"error-page.server-error.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Sorry, we can't find the page you're looking for"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Sorry, we can't find the page you're looking for"},"source":"TMS"}}},"error-page.server-error.seo-description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Something went wrong"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Something went wrong"},"source":"TMS"}}},"legal.download_as_pdf.default":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Download as PDF"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Download as PDF"},"source":"TMS"}}},"legal.meta_description.default":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future."},"source":"TMS"}}},"legal.og_description.default":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.announcement.empty":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Enter your monthly take-home target to see your estimate."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Enter your monthly take-home target to see your estimate."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.announcement.summary":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You'd need to invoice {{ invoice }} a month to take home {{ takeHome }}. Monthly cuota {{ cuota }}, income tax {{ tax }}."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You'd need to invoice {{ invoice }} a month to take home {{ takeHome }}. Monthly cuota {{ cuota }}, income tax {{ tax }}."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.a_month":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"{{ amount }} a month"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"{{ amount }} a month"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.after_tarifa_plana":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"After 12 months tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"After 12 months tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.approx_a_month":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"approx. {{ amount }} a month"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"approx. {{ amount }} a month"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.been_autonomo_before":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Been autónomo before?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Been autónomo before?"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.est_income_tax":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Estimated income tax"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Estimated income tax"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.est_monthly_cuota":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Estimated monthly cuota"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Estimated monthly cuota"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.filed_quarterly":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"(Filed quarterly)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"(Filed quarterly)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.how_tarifa_plana_works":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How tarifa plana works"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How tarifa plana works"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.how_we_estimated_tax":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How we estimated your tax"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How we estimated your tax"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.tarifa_plana_reduction":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"(Tarifa plana reduction)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"(Tarifa plana reduction)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.toggle":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"What affects your take home"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"What affects your take home"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.breakdown.where_cuota_goes":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.cliff.after_tp_invoice":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"After tarifa plana, you'd need to invoice"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"After tarifa plana, you'd need to invoice"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.cliff.save_per_month":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Save \u003cstrong\u003e{{ amount }}\u003c/strong\u003e a month in cuota for your first year"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Save \u003cstrong\u003e{{ amount }}\u003c/strong\u003e a month in cuota for your first year"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.after_tarifa_plana":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"After 12 months tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"After 12 months tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.approx_a_month":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"approx. {{ amount }} a month"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"approx. {{ amount }} a month"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.aria_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Contribution level"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Contribution level"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.cuota_for_year":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Estimated monthly cuota for a year"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Estimated monthly cuota for a year"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.description_balanced":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Reasonable cover without stretching your budget now."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Reasonable cover without stretching your budget now."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.description_more_cover":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Higher cuota. More cover for sick pay, pension and other benefits."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Higher cuota. More cover for sick pay, pension and other benefits."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.description_pay_less":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Lower cuota. Less cover for sick pay, pension and other benefits."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Lower cuota. Less cover for sick pay, pension and other benefits."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.help":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Your cuota goes into Social Security. It covers your pension, sick pay, and parental leave — amongst other things."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Your cuota goes into Social Security. It covers your pension, sick pay, and parental leave — amongst other things."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.option_balanced":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"General cover"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"General cover"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.option_more_cover":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"More cover"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"More cover"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.option_pay_less":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Basic cover"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Basic cover"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.tarifa_plana_tag":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"(Tarifa plana)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"(Tarifa plana)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Select your contribution"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Select your contribution"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.contribution.where_cuota_goes":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.add_details":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Add details to see estimate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Add details to see estimate"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.cuota_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cuota {{ amount }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cuota {{ amount }}"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.excluding_iva":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"excluding IVA."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"excluding IVA."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.for_first_12_months":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"for your first 12 months."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"for your first 12 months."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.illustrative_disclaimer":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This is just an estimate to give you an idea."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This is just an estimate to give you an idea."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.take_home_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Take home {{ amount }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Take home {{ amount }}"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.tax_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Tax {{ amount }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Tax {{ amount }}"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.estimate.youd_need_to_invoice":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You'd need to invoice"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You'd need to invoice"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.income.field_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monthly take-home target in euros"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monthly take-home target in euros"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.income.help":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Type an exact amount or drag the slider to explore."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Type an exact amount or drag the slider to explore."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.income.slider_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monthly take-home target slider"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monthly take-home target slider"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.income.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How much do you want to bring home each month?"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How much do you want to bring home each month?"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.income.validation_range":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Enter an amount between {{ min }} and {{ max }}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Enter an amount between {{ min }} and {{ max }}"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.close":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Close"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Close"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tarifa_plana.body_1":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Based on your answers, you may qualify for tarifa plana, reducing your cuota to \u003cstrong\u003earound 88,64 € a month\u003c/strong\u003e in your first year. That’s an €80 baseline plus 0,9% MEI on the minimum contribution base."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Based on your answers, you may qualify for tarifa plana, reducing your cuota to \u003cstrong\u003earound 88,64 € a month\u003c/strong\u003e in your first year. That’s an €80 baseline plus 0,9% MEI on the minimum contribution base."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tarifa_plana.body_2":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"To keep it, you'll need to stay registered and keep your Social Security payments up to date."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"To keep it, you'll need to stay registered and keep your Social Security payments up to date."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tarifa_plana.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How tarifa plana works"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How tarifa plana works"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tax_estimate.body_1":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This is an approximate figure to help you plan. Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive, and we apply the national rates based on your estimated yearly profit. Everyone gets a tax-free personal allowance around {{ allowance }} a year for a single person with no dependents. We take that off before working out what you owe, which is why an estimate below it can show {{ zero }}."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This is an approximate figure to help you plan. Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive, and we apply the national rates based on your estimated yearly profit. Everyone gets a tax-free personal allowance around {{ allowance }} a year for a single person with no dependents. We take that off before working out what you owe, which is why an estimate below it can show {{ zero }}."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tax_estimate.body_2":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We work from your net profit: what you invoice, minus expenses. We've assumed the standard 7% deduction Hacienda allows without receipts, capped at {{ cap }} a year. If you've got more business expenses to claim (like office rent, tools, professional services, or travel) your real tax bill will be lower than this."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We work from your net profit: what you invoice, minus expenses. We've assumed the standard 7% deduction Hacienda allows without receipts, capped at {{ cap }} a year. If you've got more business expenses to claim (like office rent, tools, professional services, or travel) your real tax bill will be lower than this."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tax_estimate.body_3":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This is general guidance. For the exact figure, check with your gestor when you file."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This is general guidance. For the exact figure, check with your gestor when you file."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tax_estimate.body_4":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This is general guidance. Your gestor will give you the precise figure when you file."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This is general guidance. Your gestor will give you the precise figure when you file."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.how_tax_estimate.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"How we estimated your tax"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"How we estimated your tax"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.body_1":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We estimated this from your projected income and the contribution level you chose."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We estimated this from your projected income and the contribution level you chose."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.cese_desc":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Unemployment insurance."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Unemployment insurance."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.cese_term":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cese de actividad (approx. 0,9%)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cese de actividad (approx. 0,9%)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.common_desc":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Includes: Pension, disability pension, temporary disability/sick pay, caregiver leave."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Includes: Pension, disability pension, temporary disability/sick pay, caregiver leave."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.common_term":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Contingencias comunes (approx. 28,3%)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Contingencias comunes (approx. 28,3%)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.formacion_term":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Formación profesional (approx. 0,1%)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Formación profesional (approx. 0,1%)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.mei_term":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Mecanismo de Equidad Intergeneracional — MEI (approx. 0,9%)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Mecanismo de Equidad Intergeneracional — MEI (approx. 0,9%)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.professional_desc":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Workplace accidents and illnesses."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Workplace accidents and illnesses."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.professional_term":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Contingencias profesionales (approx. 1,3%)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Contingencias profesionales (approx. 1,3%)"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.where_cuota_goes.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Where your cuota goes"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.why_first_time.body_1":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"New autónomos may qualify for the \u003cstrong\u003etarifa plana\u003c/strong\u003e, which reduces the \u003cstrong\u003ecuota\u003c/strong\u003e payment for the first year."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"New autónomos may qualify for the \u003cstrong\u003etarifa plana\u003c/strong\u003e, which reduces the \u003cstrong\u003ecuota\u003c/strong\u003e payment for the first year."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.why_first_time.body_2":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"\u003cstrong\u003eCuota\u003c/strong\u003e is your monthly autónomo contribution to Social Security. See more information about your cuota in the 'Select your contribution' section below."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"\u003cstrong\u003eCuota\u003c/strong\u003e is your monthly autónomo contribution to Social Security. See more information about your cuota in the 'Select your contribution' section below."},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.modal.why_first_time.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Why we are asking this"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Why we are asking this"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Your autónomo status"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Your autónomo status"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.option_currently":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I'm currently autónomo, past tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I'm currently autónomo, past tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.option_currently_in_tp":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I'm currently autónomo, on tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I'm currently autónomo, on tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.option_no":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I'm a first-time autónomo"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I'm a first-time autónomo"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.option_stopped_over_2y":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I stopped being autónomo over 2 years ago"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I stopped being autónomo over 2 years ago"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.option_stopped_within_2y":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"I stopped being autónomo within the last 2 years"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"I stopped being autónomo within the last 2 years"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.short_currently":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Currently autónomo, past tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Currently autónomo, past tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.short_currently_in_tp":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Currently autónomo, on tarifa plana"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Currently autónomo, on tarifa plana"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.short_no":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"No, it's my first time"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"No, it's my first time"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.short_stopped_over_2y":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Yes, over 2 years ago"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Yes, over 2 years ago"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.short_stopped_within_2y":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Yes, in the last 2 years"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Yes, in the last 2 years"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.status.why_asking":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Why we're asking"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Why we're asking"},"source":"TMS"}}},"lib_monzo_com_core.autonomo_calculator.sticky.aria_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"See the full estimate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"See the full estimate"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.currency_selector.ecb_currencies_group":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"European Central Bank currencies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"European Central Bank currencies"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.currency_selector.label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Please choose a currency to see our exchange rate."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Please choose a currency to see our exchange rate."},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.currency_selector.other_currencies_group":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Other currencies"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Other currencies"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.loading":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Loading..."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Loading..."},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.rate_details.date_updated":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Date updated:"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Date updated:"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.rate_details.ecb_rate_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"European Central Bank rate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"European Central Bank rate"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.rate_details.mastercard_rate_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Mastercard Rate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Mastercard Rate"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.rate_details.monzo_markup_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo mark-up \u003cbr /\u003e over Mastercard rate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo mark-up \u003cbr /\u003e over Mastercard rate"},"source":"TMS"}}},"lib_monzo_com_core.ecb_rates.rate_details.total_markup_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Total mark-up \u003cbr /\u003e over European Central Bank rate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Total mark-up \u003cbr /\u003e over European Central Bank rate"},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.container_aria_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"YouTube video"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"YouTube video"},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.cookies_dialog.action":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Update preferences"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Update preferences"},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.cookies_dialog.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"To play this video, we need your consent to use \u003cb\u003eAdvertising\u003c/b\u003e and \u003cb\u003eAnalytics\u003c/b\u003e cookies."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"To play this video, we need your consent to use \u003cb\u003eAdvertising\u003c/b\u003e and \u003cb\u003eAnalytics\u003c/b\u003e cookies."},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.cookies_dialog.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Update cookie preferences"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Update cookie preferences"},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.error_dialog.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We're working to get things back up. Please reload the page or try again in a little while."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We're working to get things back up. Please reload the page or try again in a little while."},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.error_dialog.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Video is temporarily unavailable"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Video is temporarily unavailable"},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.player_aria_label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"YouTube video. Navigate inside the frame to find the video player then press Space to play."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"YouTube video. Navigate inside the frame to find the video player then press Space to play."},"source":"TMS"}}},"lib_monzo_com_core.youtube_video.player_aria_label_with_title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"YouTube video. Video title: {{ videoName }}. Navigate inside the frame to find the video player then press Space to play."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"YouTube video. Video title: {{ videoName }}. Navigate inside the frame to find the video player then press Space to play."},"source":"TMS"}}},"locale-banner.actions.confirm":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Confirm Selected Country"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Confirm Selected Country"},"source":"TMS"}}},"locale-banner.actions.dismiss":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Dismiss Country Select"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Dismiss Country Select"},"source":"TMS"}}},"locale-banner.aside.aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Confirm where you live"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Confirm where you live"},"source":"TMS"}}},"locale-banner.content.message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You're on the \u003cflag\u003e{{flag}}\u003c/flag\u003e \u003cstrong\u003e{{pageRegion}}\u003c/strong\u003e website."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You're on the \u003cflag\u003e{{flag}}\u003c/flag\u003e \u003cstrong\u003e{{pageRegion}}\u003c/strong\u003e website."},"source":"TMS"}}},"locale-banner.form.region-details":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Confirm Selected Country (page will navigate after selecting a country)"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Confirm Selected Country (page will navigate after selecting a country)"},"source":"TMS"}}},"locale-banner.form.region-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Region"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Region"},"source":"TMS"}}},"locale-banner.form.switch-to":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Switch to {{regionName}}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Switch to {{regionName}}"},"source":"TMS"}}},"locale-button.nav.aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Choose a country/region. The current selection is {{regionName}}"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Choose a country/region. The current selection is {{regionName}}"},"source":"TMS"}}},"locale-modal.actions.cancel":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Cancel"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Cancel"},"source":"TMS"}}},"locale-modal.actions.dismiss":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Dismiss Country Select"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Dismiss Country Select"},"source":"TMS"}}},"locale-modal.actions.save":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Save"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Save"},"source":"TMS"}}},"locale-modal.content.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We offer tailored accounts depending on your country of residence."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We offer tailored accounts depending on your country of residence."},"source":"TMS"}}},"locale-modal.content.heading":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Confirm where you live"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Confirm where you live"},"source":"TMS"}}},"locale-modal.form.language-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Available languages"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Available languages"},"source":"TMS"}}},"locale-modal.form.region-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Region"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Region"},"source":"TMS"}}},"navigation.back-button.text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Back"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Back"},"source":"TMS"}}},"navigation.close-button.aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Close navigation"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Close navigation"},"source":"TMS"}}},"navigation.new-pill.text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"New"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"New"},"source":"TMS"}}},"navigation.top-level-item.open-text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Open {{section}} navigation"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Open {{section}} navigation"},"source":"TMS"}}},"navigation.top-level-item.toggle-aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Toggle {{section}} navigation menu"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Toggle {{section}} navigation menu"},"source":"TMS"}}},"payment-card-fan.aria-label.card-options":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Card options. Use arrow keys to navigate"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Card options. Use arrow keys to navigate"},"source":"TMS"}}},"payment-card-fan.aria-label.next-card":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"next card"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"next card"},"source":"TMS"}}},"payment-card-fan.aria-label.previous-card":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"previous card"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"previous card"},"source":"TMS"}}},"site-header.logo.analytics-text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo Bank Homepage"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo Bank Homepage"},"source":"TMS"}}},"site-header.logo.aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Monzo Bank Homepage"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Monzo Bank Homepage"},"source":"TMS"}}},"site-header.primary-cta.aria-label":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Open a Monzo account"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Open a Monzo account"},"source":"TMS"}}},"site-header.skip-to-content.analytics-text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Skip to Content"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Skip to Content"},"source":"TMS"}}},"site-header.skip-to-content.text":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Skip to Content"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Skip to Content"},"source":"TMS"}}},"unsubscribe.error.invalid-params.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We're very sorry, but something went wrong and we weren't able to unsubscribe you from our emails."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We're very sorry, but something went wrong and we weren't able to unsubscribe you from our emails."},"source":"TMS"}}},"unsubscribe.error.invalid-params.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"It didn't work!"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"It didn't work!"},"source":"TMS"}}},"unsubscribe.error.support-message":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Please get in touch with support and we'll help you out. You can reach us at \u003cemail_link\u003ehelp@monzo.com\u003c/email_link\u003e."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Please get in touch with support and we'll help you out. You can reach us at \u003cemail_link\u003ehelp@monzo.com\u003c/email_link\u003e."},"source":"TMS"}}},"unsubscribe.legacy-link.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"To update your email preferences, open the Monzo app and go to your settings, or select 'unsubscribe' on a more recent email from us."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"To update your email preferences, open the Monzo app and go to your settings, or select 'unsubscribe' on a more recent email from us."},"source":"TMS"}}},"unsubscribe.legacy-link.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"This link's no longer active"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"This link's no longer active"},"source":"TMS"}}},"unsubscribe.loading.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We're unsubscribing you right now..."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We're unsubscribing you right now..."},"source":"TMS"}}},"unsubscribe.loading.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Unsubscribing"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Unsubscribing"},"source":"TMS"}}},"unsubscribe.page.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"Unsubscribe"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"Unsubscribe"},"source":"TMS"}}},"unsubscribe.success.description":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"We've unsubscribed you. We'll stop sending you emails, except for specific service messages related to your account."},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"We've unsubscribed you. We'll stop sending you emails, except for specific service messages related to your account."},"source":"TMS"}}},"unsubscribe.success.title":{"localized_messages":{"en-GB":{"type":"SIMPLE","simple":{"content":"You're unsubscribed!"},"source":"TMS"},"en-US":{"type":"SIMPLE","simple":{"content":"You're unsubscribed!"},"source":"TMS"}}}},"featureGates":{"ca_daxenabled":true}},"__N_SSP":true},"page":"/blog/[...dynamic]","query":{"dynamic":["how-weve-evolved-on-call-at-monzo"]},"buildId":"-IOrrmBQcEdnuWfJPIoxS","assetPrefix":"https://static-assets.monzo.com/monzo-com/a0e2d265d520a8340bc3e5250a208b6a3241e736","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","cookieDomain":".monzo.com","localeCookieDomain":".monzo.com","authRedirectOrigin":"https://auth.monzo.com/","gitCommit":"a0e2d265d520a8340bc3e5250a208b6a3241e736"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"locale":"gb","locales":["gb","us","ie","en-be","en-bg","en-cy","en-cz","en-dk","en-ee","en-es","es","en-fi","en-fr","en-hr","en-hu","en-is","en-it","en-li","en-lt","en-lv","en-mt","en-nl","en-pl","en-pt","en-ro","en-se","en-si","en-sk"],"defaultLocale":"gb","scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js" nonce="16d98fc1885a4bc1556781dcaf3697e64ba4"></script></html></body></html>