The debit card that helps you save

Cash back on eating out and groceries*. High-interest savings. One app for all your money.

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*2% cash back on your first $3,000 of eligible groceries and eating out purchases per month. Subscription applies. Monzo Pro is $10 a month. Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank or Sutton Bank; Members FDIC. T&Cs apply.

Earn 2% cash back on groceries and eating out*

Get cash back right away into your account. And cash means real cash, not points or credit.
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Two arms holding chopsticks with each pair of chopsticks holding onto the same dumpling against a red background. There is a celebration emoji with text saying You earned $1.56 in cash back at Dumpling Home.

Save more with 3.75% APY interest

Every month, get extra money on top of your savings. You can take money out anytime, how many times you want.
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A screenshot of the Monzo app showing a Savings Jar called Vacation. It has an image of an airplane traveling around the world. There is a $2800 balance with a Goal of $3500 and a progress bar at 80%

Get paid up to 2 days early

Fast-track that payday feeling and get a few extra days with your money. You’ll get paid earlier than your colleagues.
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A woman's arm putting a cherry on top of an ice cream sundae against a red background. There is an image of a calendar with coins around it and text next to it saying You got paid two days early!

All your money, one app

Link your other bank accounts, savings accounts and credit cards into Monzo. Then use our easy tools to budget across all your spending and savings.
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A screenshot of the Monzo app showing a stack of cards. The top card is Bank of America savings, the middle card is a Capital One credit card, and bottom card is Monzo. There are a few transactions in the activity feed below.
Monzo card sitting on brown wood table with a cup and notepad sitting off to the left side.

FDIC protection meets cutting-edge security

With Monzo, your money is eligible for pass-through insurance up to $250,000 through our partner Lead Bank or Sutton Bank, Member FDIC.**

Compare plans

Comparison of features between Monzo, Monzo Pro, Bank of America, and Capital One

Monzo Base

Monzo Pro

Bank of America

Capital One
Cash back
2% on groceries and eating out
Savings interest
2.00% APY
3.75% APY
0.01% APY
3.60% APY
Get paid early
Up to 2 days
Up to 2 days
Linked accounts
1 other account
Unlimited
Monthly cost
$0
$10
$0-12
$0

Join 12 million customers on Monzo

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Monzo app screenshot showing an account balance of $1,160.00, a cash back transaction and an Aldi's transaction.

*How does cash back work? You will earn 2% cash back on your first $3,000 of eligible groceries and eating out purchases per month.

**How does FDIC insurance work? Your funds are held at Lead Bank or Sutton Bank; Members FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Lead Bank or Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.