Software Engineer III at Monzo

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits
Hybrid model: 3 days a week in the office

About our Engineering Teams:

We have over 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.

These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!

Your day-to-day

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

Together you’ll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are; Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion.

They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need!

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

You should apply if:

you have strong experience working on the backend of a technology product
you want to be involved in building a product that you (and the people you know) use every day
you have a product mindset: you care about customer outcomes and you want to make data-informed decisions
you’re comfortable working in a team that deals with ambiguity
you’re interested in distributed systems and writing resilient software
you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
you think you’d enjoy the kind of work we’re doing

We're on the look out for L40 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter!

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!

What you’ll be working on:

We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below:

Go to write our application code (there’s an excellent interactive Go tutorial here)
Cassandra for most persistent data storage
Kafka for our asynchronous message queue
Kubernetes and Docker to schedule and run our services
Envoy Proxy for RPC
AWS for most of our production infrastructure and GCP for most of our data infrastructure
React for our public web apps and internal tools
We also have physical datacenters with actual cables to connect to various third parties

The Interview Process:

Our interview process involves three main stages:

Initial Call
Take home task or pair coding exercise
Final interview: including a system design and a behavioural interview

Our average process takes around 4 weeks but we will always work around your availability.

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s in it for you:

💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits

📍Barcelona, Spain

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚Learning budget of €1,200 a year for books, training courses and conferences

#LI-JS1

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊