# Onmo - Credit, Simplified — user reviews > 58 indexed App Store user reviews of Onmo by Onmo Limited, rated 4.81/5 from 2,242 ratings. - Source: https://appshunter.io/ios/app/onmo-credit-simplified/id6498719371/reviews - App overview in markdown: https://appshunter.io/ios/app/onmo-credit-simplified/id6498719371.md ## Newest reviews (11 of 58) ### 3/5 — Apple Pay *2026-04-07, version 2.54.3* Great card however they don’t support Apple Pay ### 1/5 — App not working *2026-02-08, version 2.49* It showning me try again later because you dont have internet connection even my internet was working fine. ### 1/5 — App issues *2026-02-08, version 2.49* App worked till recently now it’s crashed ### 1/5 — Terrible *2026-02-08, version 2.49* Can't log in so how we expected to make payments absolutely terrible app and support ### 1/5 — App is not working *2026-02-08, version 2.49* Won’t allow me to log in to check my statements , pin, or anything just saying offline ### 1/5 — Can’t log in *2026-02-08, version 2.49* Can’t log in to the app says I have no internet but I do when I have 5g and every other app does. Guess they don’t want any re payments done! ### 3/5 — Stop please… *2026-01-28* Updates every few weeks ‘can’t use the app till you update’ etc Put the work in the first time and stop making me Update every few weeks **Developer response:** Hi Tony, We appreciate your feedback on our app. We have updates when ongoing optimisations take place and we’re sorry if this has been inconvenient. We’ll be sharing your feedback with our mobile app team. Team Onmo ### 1/5 — Poor app *2025-12-20, version 2.41* Yet again I freeze my card , being security conscious. But when I try to unfreeze , I can’t. This is now the third time. Can’t wait to pay the balance and get rid of the card for good, thankfully this won’t take long. 🤯🔫 ### 3/5 — App Works - Using this workaround *2025-12-08, version 2.31* I had the same issue as all the other 1 star reviewers until I logged in using an ANDROID PHONE/TABLET then tried again using iOS for it to finally work. Hope this method helps everybody else having difficulty until the company addresses the login problem. ### 1/5 — Unable to freeze the card in the app anymore. *2025-12-06* Somebody should maybe look at it? Clicking the freeze button doesn’t do nothing since last week. Also zero credit limit increases for almost a year now. Doesn’t allow balance transfers out. Not a great product. **Developer response:** Hi There, Thank you for making us aware of the issues you’ve experienced within the mobile app when going to freeze your Onmo credit card. We’d appreciate if you can contact us on 0330 333 6000 (Mon – Fri, 9am – 5pm) so we can escalate a case to our technical team to review the issue further. For balance transfer outs, we do allow for these to be completed. If you give us a call, we can provide our banking details so the process can be completed. If you have any issues with the transfer, we recommend contacting your other provider to see if they are able to assist. Team Onmo ### 1/5 — Disgusting service and app!!!! *2025-11-24, version 2.31* Extremely Disappointing Experience I was pre-approved for this card through Experian and completed the full application on 01/09/25. Everything went through perfectly — I signed the credit agreement, set up the Direct Debit, was given full access to the app with my credit limit showing, and even received my physical card in the post. Then, out of nowhere, the very next day they emailed me saying my account was being closed due to “additional checks.” No real explanation, no transparency, nothing. To make it worse, I still have access to the app even now, which makes the whole situation feel even more confusing and unprofessional. If they didn’t want to approve me, they should have declined my application in the first place instead of opening the account, issuing a card, and then shutting it down immediately — which can negatively impact my credit. Overall, a very frustrating and unfair experience. Would not recommend at all ## Most critical reviews (10 lowest-rated) ### 1/5 — Avoid at all costs *2026-07-23* I’ve been with Onmo for almost 2 years. Avoid at all costs. I’ve had to apply for other credit cards as they randomly take your card and will try cancelling it without explanation , the app dosent work, the customer service are horrible , they take weeks to respond. They start declining payments when funds are available. They ignore you constantly and don’t care and give you the run around time after time. This is the worst credit card company I’ve even experienced and would suggest you all avoid it. It’s declined payments when money has been clearly in the account. Worst company ever. **Developer response:** Hi Stan, We appreciate your feedback and we’re sorry to read about the issues you’ve experienced with our services. We’d appreciate if we could get more information on your experience and ensure a complaint is raised on your behalf with the issues you’ve described. Please give us a call on 0330 333 6000 so we can work to help further. We’re available Monday – Friday, 9am – 5pm. Team Onmo ### 1/5 — Only thing simplified with this card is the frustration! *2026-07-18* I got accepted for this card recently. It came through and I got ready to use it. Well, that was wishful thinking because I’ve been struggling with the 3D authentication process 🤬 Took forever for them to accept my photos of my driving license and, even when they did finally accept that along with the 2 other ‘challenges’ they STILL haven’t cleared me to make the purchase that was the whole reason for getting the card. I’ve had other credit cards and never had this issue. Maybe tell people during the application process that, once accepted, they’ll have to do further tasks before being able to use it. I’m at the stage where I’m considering just cancelling because, honestly, the item I want is definitely going to sell out before this lot let me use the card for its intended use. I get online safely and welcome it, but this is beyond a joke. **Developer response:** Hi there, We appreciate your feedback on your experience with your Onmo credit card so far. In some instances, we may need to run additional checks for new accounts or specific transactions. We will share your review with our relevant department and if your checks have exceeded 10 business days, please give us a call. We’re available Monday – Friday, 9am – 5pm on 0330 333 6000. Team Onmo ### 1/5 — App doesn’t work *2026-07-15, version 2.54.21* “We are unable to send a verification code - please try again shortly”. Been seeing this error message for MONTHS, reinstalled/updated the app multiple times, IOS on my iPhone is up-to-date, still can’t even get past this error message. Never seen anything like it ### 1/5 — App nonfunctional *2026-06-14, version 2.54.17* Multiple months of not being able just to open the app, respectfully poor app ### 1/5 — App latest release doesn’t work *2026-05-28, version 2.54.15* After updating the App (on IPhone) with the latest release I can’t access anymore. Please fix it! Thanks ### 1/5 — Unable to Activate my New Card *2026-05-15, version 2.54.12* This app is a joke. I am unable to activate my credit card. ### 1/5 — App Not Working *2026-04-26, version 2.54.10* The app used to work. Now doesn’t work at all saying something about verification code??!!! No idea what that’s about. Can’t access my account. Can’t verify my card!!! Very disappointed!!! ### 1/5 — App isn’t working *2026-04-09, version 2.54.3* Can’t access the app to setup payment. Reinstalled it and nothing is working. Been like this for weeks! ### 1/5 — Appalling *2026-03-23, version 2.53.2* Terrible app, tried for months to make it work not working, the legacy app is still open but is about as much use as word document and this app is just shocking. Avoid at all costs. Waste of time ### 1/5 — Never worked *2026-03-10, version 2.53.2* The updated app has never worked and after countless emails I’m at a loss as to what to do! I get the same error “something went wrong and we’re unable to send a verification code at this moment. Please try again shortly”! I can’t check my statements or pay anything extra off it! Sort it out ## Most praised reviews (10 highest-rated) ### 5/5 — Terrible company *2026-08-05* Entice you with low interest rates then slam them up to excruciating levels. Read the reviews online . Avoid like the plague. **Developer response:** Hi Peter, We're sorry to read that you're dissatisfied with your Onmo Credit Card. We regularly review our pricing to make sure it reflects current market conditions and the overall cost of providing credit. If you have received a notification that your APR is increasing, you do have the option to Opt Out of this change and pay down your card at your current rate. We hope this helps, Team Onmo ### 5/5 — Does the job just fine *2026-07-20* Simple basic card simple basic app does everything you need to nothing complicated as long as you keep up your payments the interest rate isn’t really relevant. I just pay off what I spent the month before I found it very useful after a few weeks, they gave me a small card rise to amount that I’m very happy with and I’m quite happy to say yeah, I would recommend it **Developer response:** Hi DTO, Thank you for taking the time to leave us your review and sharing your experience with the Onmo credit card. We appreciate your feedback on our mobile app and how easy it has been to manage your account. Thank you for your recommendation and thank you for being a part of Onmo. Team Onmo ### 5/5 — Credit card *2026-06-19* Great company, they make it all worth while to get back on track **Developer response:** Hi Ziggy, Thank you for sharing your experience. We have built our card to help our customers build up their credit score and to use it with confidence. We hope you enjoy using your Onmo card. Team Onmo ### 5/5 — Brilliant service *2026-05-22* From application to receiving the card- everything was seemless **Developer response:** Hi PCM, Thank you for your review and for sharing your experience when applying for an Onmo Credit Card. We're happy to read it all went smoothly and that your card has already landed in your hands. We hope you enjoy it! Team Onmo ### 5/5 — Card *2026-05-21* Highly recommend ### 5/5 — ONMO *2026-05-14, version 2.54.12* Always helpful and never no pressure ### 5/5 — Great card *2026-05-12, version 2.54.12* Great easy services ### 5/5 — Old card damaged *2026-04-08, version 2.54.3* Great service ### 5/5 — Mr sunny *2026-03-20, version 2.53.2* User friendly app ### 5/5 — First Class Service *2025-11-20, version 2.18* They are a First Class Service 5* --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*