Monzo publishes full carbon data and has made renewable energy progress, but absolute emissions rose 17% year-on-year while financed emissions—the dominant impact lever for a bank holding £16.6B in deposits—remain unmeasured. A net zero 2030 target lacks SBTi validation and credibility given rising absolute footprint.
Same formula for every company. No curve. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleStrongest on Energy Source and Controversies & Red Flags (7/10, 7/10). Weakest on Emissions Trajectory and Targets & Commitments (2/10, 3/10).
6 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.
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Among the 27 major financial services / banking brands we've scored, Monzo Bank sits 5th of 27.
Score history begins 6 April 2026.
As Monzo Bank's score updates, the trajectory will appear here.
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Monzo Bank is a UK-based digital bank founded in 2010, headquartered in London. It operates primarily as a mobile-first consumer bank offering current accounts, savings, and payment services to over 9 million customers across the UK and Europe. Monzo holds significant customer deposits and has expanded into business banking.
UK bank with higher financed emissions exposure and stronger net zero commitment framework.
View breakdown →Global systemically important bank; financed emissions represent majority of footprint and climate risk.
View breakdown →Digital-first fintech competitor; comparable digital footprint but different regulatory capital structure.
View breakdown →UK challenger bank peer; comparable deposit base and operational carbon profile to track against.
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