monzo.com

scanned 9/26/2026, 12:20:15 AM · took 131s · FintechGemini · gemini-2.5-flash · HTTP · Target monzo.comA measurement at one moment, not a verdict · Methodology

87/ 100

AAgent-ready

Monzo is highly accessible to AI agents, but missing standard agent-facing files and specific content gaps prevent complete success across all queries.

The one fix worth most right nowGet the fix files →

Publish llms.txt+787 → 94

Projected from the audit record. After fixing, re-run the task or re-measure to confirm.

AI agents successfully navigated Monzo's website, achieving an excellent 87 overall score and relying entirely on the site's own sources. The site's structure allows for perfect on-site discovery and high reliability, meaning agents can easily find and cite Monzo's actual content for core banking queries. However, agents struggled to fully resolve queries related to locations, policies, documentation, and the latest news, resulting in partial successes for those tasks. Additionally, the absence of standard AI-assisting files like llms.txt and a standard sitemap.xml forces agents to rely on heavier navigation methods rather than direct structural guidance.

What works

Perfect 100% on-site discovery and own-source rate, meaning agents easily find and cite Monzo's actual content.
High reliability (98%) and guided following (93%), indicating a stable and predictable site architecture.
Successfully resolved core banking intents like fees, eligibility, support, signup, and comparisons natively.
Valid robots.txt and /sitemap-index.xml are present and accessible.

What to fix

For each item: its current state, why it matters, how to fix it and how to check. The same content comes as files you can hand straight to whoever does the work.

Putting the items together…

Fix files

Files generated from this audit. Paste them in, or hand them to a coding agent. Have someone review them before they go live.

Building the fix files…

Detailed results

The results behind the score, and the measurement record.

Discovery

13/20

Access

26/30

Navigation

30/30

Completion

18/20

1.Can an agent get into the site at all?100/100

HTTPREDIRECT

Evidence

homepage HTTP 200
redirect hops: 0

2.Does the site let agents through rather than block them?70/100

ROBOTSBOT

Evidence

robots.txt contains Disallow rules
First byte after 66ms

3.Does it publish machine-readable guidance?45/100

LLMS.TXTSITEMAPROBOTS

Evidence

/llms.txt — absent (HTTP 404)
/llms-full.txt — absent (HTTP 404)
/sitemap.xml — absent (HTTP 404)
/sitemap-index.xml — present
/sitemap_index.xml — absent (HTTP 404)
/robots.txt — present

4.Is the raw HTML readable without running JavaScript?100/100

HTMLSSR

Evidence

140 links in the raw HTML

5.Does the site state its fees or rates as numbers?90/100

FEESFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 50%
2xx rate 100%
done_big_detour

6.Can an agent check who is eligible?100/100

ELIGIBILITYFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

7.Does the site guide an agent to support?100/100

SUPPORTFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

8.Can an agent find branch or store locations?75/100

LOCATIONSPARTIAL

Evidence

outcome success · verdict partial
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

9.Does the site guide an agent through signing up?100/100

SIGNUPFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

10.Does it state the refund or cancellation rule with a deadline?75/100

POLICYPARTIAL

Evidence

outcome success · verdict partial
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

11.Can an agent reach the actual document file?68/100

DOCSPARTIAL

Evidence

outcome success · verdict partial
the final answer cited this site
site-guided navigation 75%
2xx rate 75%
done_unaided

12.Can an agent reach a human contact?100/100

CONTACTFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

13.Can an agent reach the latest notice, with its date?75/100

LATESTPARTIAL

Evidence

outcome success · verdict partial
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

14.Can an agent compare two plans or products?100/100

COMPAREFULL

Evidence

outcome success · verdict full
the final answer cited this site
site-guided navigation 100%
2xx rate 100%
done_unaided

WebMCP — what the site declares about itself

No tools registered

navigator.modelContext was not found on this page. Not adopted yet.

Put the content in the first HTML and add llms.txt first; then declare the tasks that failed above as tools.

Open it yourself with AOO Lens →

Act-stage check (nothing submitted)

Checks whether an agent could fill in the forms and press the buttons, up to the point of pressing. No form was submitted, nothing added to a cart, nothing paid. Report only; not scored.

The act stage was not checked in this audit.

Per-task results

Task	Verdict	Own-site share	Request success	Followed guidance	Cited own site
fees & rates	Full	100%	100%	50%	Yes
am I eligible	Full	100%	100%	100%	Yes
get support	Full	100%	100%	100%	Yes
find a branch	Partial	100%	100%	100%	Yes
create an account	Full	100%	100%	100%	Yes
refund policy	Partial	100%	100%	100%	Yes
find a document	Partial	100%	75%	75%	Yes
contact a human	Full	100%	100%	100%	Yes
latest notice	Partial	100%	100%	100%	Yes
compare two options	Full	100%	100%	100%	Yes

About this report

Measured: 9/26/2026, 12:20:15 AM GMT+9
Engine: Gemini · gemini-2.5-flash · HTTP

This is what AI agents could do on the site at the time above, measured by actually using it. It is not a verdict on the site or the company, and the result can change when the site does.

Methodology →About AOO-Bot and opting out →