Manage your money
Set spending targets
See an easy summary
Get instant notifications
Get a notification the moment you use your card, before the receipt finishes printing.
Use your card anywhere
Monzo works all around the world, and you don’t need to tell us if you’re going away.
Take out cash
Withdraw up to £200 every 30 days for free (there’s a 3% charge after that).
Spend for free
We don’t add any fees or charges for spending with your card, and we don’t mark up the exchange rate.
Send money easily
Pay people in seconds
Set up Direct Debits and standing orders
Keep your money safe
Stay in control
We’re part of the FSCS, so your money is protected up to £85,000.
The Monzo Current Account
A full UK bank account that you can open from your phone in minutes.
The Current Account Switch Service makes it simple, reliable and hassle-free to switch from one UK bank to another.
Set up Direct Debits and standing orders in-app, and send money to any other UK bank account instantly.
If you’re eligible, you can switch on an overdraft in the app any time. Don’t want an overdraft? No problem, you don’t have to have one.
Protection for your money
Every Monzo account is protected by the Financial Services Compensation Scheme (FSCS), so your money is safe up to £85,000 no matter what happens.
Human help, whenever you need it
We might be a bank in an app, but we’re always here to help. Every customer gets access to 24/7 customer support through the app — just send us a chat message and we’ll get back to you ASAP.
Not into chat? Email or call us at any time.
We're building Monzo together
We're doing things differently. For too long, banking has been harder than it needs to be.
We want to change that and build a bank with everyone, for everyone. Join our amazing community of users and suggest features, give feedback and help us test the app, so together we can build something we all love.