The bank of the future

This isn’t banking as you know it. Monzo is a bank for everyone, that works with you, for you.

Join today for your own UK current account.

Download and signup now on iOS and Android

Download the Monzo app on iOS Download the Monzo app on Android

Monzo Current Account Cards

Use your Monzo card with Apple Pay

Apple Pay is an easy, secure and private way to pay. Add your Monzo card to Apple Pay through your Wallet, or by going to the Account tab in the Monzo app.

Read more about using Apple Pay ›

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iPhone X with a Monzo Card on Apple Pay

Manage your money

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Set spending budgets

Set monthly budgets for spending on things like groceries and going out.

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See an easy summary

See an overview of your account any time, sorted by what you spend on, with notifications if you’re spending too fast.

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Get instant notifications

Get a notification the moment you use your card, before the receipt finishes printing.

Image of the Monzo Summary tab on iOS and Android

Travel stress-free

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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).

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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

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Pay people in seconds

Send bank transfers that arrive instantly, and pay nearby friends over Bluetooth without needing to know their details.

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Set up Direct Debits and standing orders

Manage recurring payments from your app.

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Send money abroad

Send money internationally from your Monzo app for up to 8x cheaper than with high street banks, powered by TransferWise.

Monzo Payments view on iOS and sending money on Android

Keep your money safe

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Stay in control

If you lose your card, freeze it in the app and get a new one the next day. (Or defrost it if you find it again.)

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Rest easy

We’re part of the FSCS, so your money is protected up to £85,000.

Image of the Monzo Card Management on iOS and Android

The Monzo Current Account

A full UK bank account that you can open from your phone in minutes.

Easy account switching ›

The Current Account Switch Service makes it simple, reliable and hassle-free to switch from one UK bank to another.

Current Account Switching Service

Straightforward payments

Set up Direct Debits and standing orders in-app, and send money to any other UK bank account instantly.

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A flexible overdraft, if you want it ›

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.

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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.

Financial Services Compensation Scheme logo

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.

Join our community today ›

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Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and become one of the hundreds of thousands of people using a better bank.

Download the Monzo app on iOS Download the Monzo app on Android