Website readiness profile · Snapshot 23 October 2026
monzo.com
monzo.com's public homepage, certificate and DNS checked against 31 practices and compared with 549 Banking & Finance sites.
- Readiness index
- 88/100
- Ahead of
- 98%
- Practices observed
- 26/31
- Popularity band
- Top 50K
Banking & Finance median 66
of measured Banking & Finance sites
0 of 31 could not be measured
Chrome UX Report top-sites list
Readiness by lane
Green: monzo.com. Thin bar: Banking & Finance peer median.
Enable
95/100
Peers 78
Harden
95/100
Peers 64
Accelerate
75/100
Peers 55
Recover
0/100
Peers 21
Priority fixes for monzo.com
Ordered by impact and by how common each practice is among peers.
Priority 1 · Accelerate
Static files cached for 30 days or more
Observed: A same-site stylesheet or script was cacheable for 180 seconds, short of the 30-day benchmark.
Why it matters: Returning visitors and later page views reuse cached files instead of downloading them again.
What to do: Give versioned (fingerprinted) CSS, JavaScript, fonts and images Cache-Control: public, max-age=31536000, immutable, and change the file name whenever the content changes.
On Cloudflare: Use Cache Rules to set edge and browser TTLs for static file paths.
43% of Banking & Finance peers do this. Limit: Read from the homepage response only; other pages or regions may send different headers.
Priority 2 · Accelerate
HTTP/3 advertised
Observed: The homepage did not advertise HTTP/3 through an Alt-Svc header.
What to do: Turn on HTTP/3 at your CDN. Browsers fall back to HTTP/2 automatically, so the risk is low.
On Amazon CloudFront: Select HTTP/3 in the distribution's supported HTTP versions.
22% of Banking & Finance peers do this.
Priority 3 · Harden
Certificate lifetime of 100 days or less
Observed: The certificate from Amazon had a 393-day validity period, longer than the 100-day maximum that applies from March 2027.
What to do: Move to automated issuance and renewal now, while you still have time to test it.
31% of Banking & Finance peers do this.
Priority 4 · Enable
Reachable over IPv6
Observed: No IPv6 (AAAA) address was published for monzo.com.
What to do: Enable IPv6 at your CDN or host and publish the AAAA record it provides.
On Cloudflare: Cloudflare offers IPv6 compatibility for proxied hostnames; check the setting in Network.
26% of Banking & Finance peers do this.
What monzo.com already does well
Practices fewer than half of Banking & Finance peers use.
- security.txt publishedsecurity.txt with a contact found.9.4% of peers
- DNSSEC signedDNSSEC delegation (DS record) present.12% of peers
- CAA records limit who can issue certificatesCAA limits issuance to amazon.com, buypass.com, comodoca.com and others.20% of peers
What we saw
- Homepage checked
- https://monzo.com/
- Homepage response
- HTTP 200
- TLS
- TLSv1.3, HTTP/2
- Certificate
- Amazon, 393-day validity, expiring 2027-02-27
- CDN or edge
- Amazon CloudFront
- Platform or framework
- Next.js
- DNS operators
- Cloudflare
- HSTS
- max-age 365 days, includeSubDomains, preload
- DMARC policy
- p=reject
- Homepage HTML
- 902 KB, gzip
- Images on homepage
- 71 (avif 299, svg 10, png 8)
Limits: homepage only, one location, one moment. Header checks reflect the homepage response; other pages may differ.
Stack and providers
Seen in the homepage response, certificate and DNS. Provider pages compare how their customers configure the same checks.
All 31 checks
Select a gap for the method and fix. How each check works
Not observed 5
Observed 26
- HTTP requests move to HTTPS
- HSTS kept for at least a year
- TLS 1.3 negotiated
- Certificate has more than 14 days left
- CAA records limit who can issue certificates
- DNSSEC signed
- security.txt published
- DMARC policy enforces quarantine or reject
- X-Content-Type-Options: nosniff
- Framing restricted
- Content Security Policy present
- Referrer-Policy set
- HTTP/2 negotiated
- HTML compressed
- Modern image formats in use
- Offscreen images lazy-loaded
- No render-blocking scripts in <head>
- robots.txt published
- XML sitemap discoverable
- Canonical URL declared
- Meta description written
- Mobile viewport configured
- Structured data present
- Social preview image set
- Page language declared
- At most one redirect to the homepage
Own monzo.com?
Re-run the checks after a change, or verify the site in a free workspace to save reports with history, compare against similar sites and competitors, and track a private action plan. What owners get.
Live status for this site: Status Is Down: monzo.com. This profile covers configuration only.