About Onmo
Who is Onmo?
What products does Onmo offer?
Account support
What can I do in the Onmo App?
Why have I been logged out of my App?
How can I contact Onmo?
How do I close my account?
How do I download my statements?
How do I update my personal details?
I’ve changed my name. How do I update it?
How do I change my app notification settings?
Reporting a bug or other feedback
Logging out of the app
How do I change my passcode?
How can I make a complaint?
Opening an Onmo account
How do I apply for an Onmo Credit Card?
Why is there a "Quotation Search" by Onmo on my Credit Report?
What is Open Banking? Why do you ask me to connect my bank accounts?
Why have I been declined? Can I challenge this?
I've been declined for a credit card before. Does that mean Onmo will decline me?
How can I improve my Credit Score?
When do I receive my card/s?
Can I add someone as an additional card holder for my Onmo cards?
Will applying for an Onmo Credit card affect my Credit Score?
Fees, APRs, interest and limits
What is an Annual Percentage Rate (APR)?
How does Onmo work out my APR? Can I change it?
How does Onmo work out my credit limit? Can I change it?
When is interest charged?
What happens if I go over my credit limit?
What are the fees and limits on my credit card?
How is my interest calculated at Onmo?
What is first month interest?
Direct Debit queries
How do I set up a Direct Debit?
How do I change my Direct Debit?
My Direct Debit payment didn't go through. What happens now?
Potential fraud queries and transaction queries
Why was my card declined?
I don't recognise a transaction. What should I do?
I didn't receive cash from an ATM. What should I do?
What if I notice suspicious activity or think I've been a victim of fraud?
How are my online card purchases protected?
Staying safe from Fraud
How might a fraudster make contact?
Spotting attempted fraud
Protecting yourself from Fraud
I may have been a victim of fraud
What if Onmo proactively detects fraud?
Why do I need to provide details from my card for some transactions, but not others?
Using your Onmo Credit
How do I activate my new card?
How can I change my PIN?
How can I increase my Credit Limit?
My card hasn't arrived. What should I do?
Can I use my Onmo card with Apple Pay, Google Pay, or other digital wallets?
Can I use my Onmo card online to make payments?
What is 3D Secure?
My online card payment hasn’t been processed. What should I do?
How do I replace my card?
What should I do if my card is lost or stolen?
Do I need to let you know that I am travelling abroad?
Do you offer overdraft facilities?
Do you allow balance transfers?
How can I see my PIN?
Sending and receiving money
How do I send money to someone?
What countries can I send money to?
Complaints
How do I make a complaint?
Repaying my credit card balance
How do I repay my balance?
Can I dispute my debt with Onmo?
What is my minimum payment?
How is my minimum payment calculated?
What is a ‘default’ and how long will it stay on my credit report?
When is my payment due?
What happens if my payment is late?
What happens after you close my account (default)?
What can I do if I’m struggling to pay my bill?
Can Onmo close my account if I am on a payment plan with you, or through a debt management company?
What is Breathing Space?
A third party is helping me with a Debt Management Plan, IVA, bankruptcy, or debt relief order. What do I need to do?