Monzo for all your money
Get clear on your spending. Unlock smarter ways to save. Invest with confidence.
You could get back less than you invest. UK residents. Ts&Cs apply.
Manage your money today
Get instant notifications, spending insights, and Pots to separate your money, with a free Monzo bank account.
Manage your money today
Upgrade your personal account to get our best money management tools.
Humans on hand, 24/7
You can speak to a real-life human through our in-app chat – whenever, wherever. We're here for you 24/7.
Make payday twice as nice
We could double your salary if you get paid into Monzo by Bacs. There’ll be 10 lucky Monzo customers every month.
Build your money for tomorrow
Save for the things that matter.
Build your money for tomorrow
18+, Monzo current account required to invest.
Build your money for tomorrow
18-70 years, Monzo current account required to open a pension.
It all starts with a Hot Coral card
Current account
Our signature Hot Coral current account that fits your finances.
Enjoy fee-free payments abroad, instant notifications, credit insights, Pots and automated roundups.
UK residents. Ts&Cs apply.
Flex
An award-winning credit card with Section 75 protection.
Get credit you can count on with a credit limit up to £10,000, 29% APR representative (variable), £1,200 credit limit, 29% yearly interest (variable).
Eligibility criteria and Ts&Cs apply. Age 18+. UK residents. Not keeping up with payments may negatively impact your credit score. Each purchase is repaid over a maximum of 24 monthly payments.
Joint account
A shared bank account that helps you manage joint costs.
Get dedicated joint account cards, and save together with Instant Access Savings Pots.
You'll both need a Monzo account. Aged 18+. UK residents. Ts&Cs apply.
Max
Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more.
Upgrade your current account from £17 a month.
Ages 18-69. UK residents. 3 month minimum term. Ts&Cs apply.
Perks
Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat.
Upgrade your current account for £7 a month.
Age 18+. UK residents. Ts&Cs apply.
Extra
Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories.
Upgrade your current account for £3 a month.
Age 18+. UK residents. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up.
Set spending limits and see what they're up to with instant notifications.
Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up.
Set spending limits and see what they're up to with instant notifications.
Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up.
Set spending limits and see what they're up to with instant notifications.
Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
Business account
An account packed with everything you need to make life easier for you and your customers.
Awarded Best Business Banking Provider at the 2024 British Bank Awards.
Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.
Which? recommended 2 years in a row
Join 15 million people already banking with Monzo.
Security you can bank on
Keep your money safe with industry-first fraud protection and 24/7 support.
How we protect your money
15 million personal and business customers have changed the way they bank
Download the app
Open the App Store on your iPhone, or Google Play Store on your Android device. Search for Monzo. Tap ‘Install’ or ‘Get’ to download the app.
No phone? No problem.
If your phone's lost or stolen, you can log into your account on another device, like a laptop or tablet. You can freeze and unfreeze your accounts, check your transactions and balance, and remotely log out of all your devices.
Did you know?
Over 2 million people
have joined Monzo's Saving Challenge in 2026.
£131
is how much extra our customers save on average each year using roundups.
£8.5 billion
is the total amount our customers are saving in Instant Access Savings Pots.
Around 1000
fraud attempts are caught each month thanks to our Call Status feature.
£4.56 million
was the total cashback earned by Monzo customers in 2024.
Join over 15 million customers who are doing more with their money
Published February 2026
Independent service quality survey results
Personal current accounts
As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Published February 2026
Authorised push payment (APP) fraud rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Monzo’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR's latest APP Scams Performance Report published in February 2026.