Monzo for all your money
Get clear on your spending. Unlock smarter ways to save. Invest with confidence.
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.
Simple, secure and Which? recommended
Join 13 million people already banking with Monzo.
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.
Build your money for tomorrow
Save for the things that matter.
Build your money for tomorrow
Funds to fund your future. The value of your investments could go up or down and you could get back less than you put in.
Build your money for tomorrow
Save for future you. The value of your pension could go up or down and you could get back less than you put in.
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.
13 million personal and business customers have changed the way they bank
Security you can bank on
Keep your money safe with industry-first fraud protection and 24/7 support.
How we protect your money
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 you lose your phone, log into your account on another device, like a laptop or tablet. You can freeze and unfreeze your accounts and check your transactions and balance.
Did you know?
1.4 million
customers joined the Monzo 1p Saving Challenge in 2025.
£131
is how much extra our customers save on average each year using roundups.
£7.7 billion
is the total amount our customers are saving in Instant Access Savings Pots.
700
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 13 million customers who are doing more with their money
Published August 2025
Independent service
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 August 2024
Authorised push payment (APP) fraud rankings in 2023
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster's bank account.
These charts use data given to the Payment Systems Regulator by major banking groups in the UK in 2023.
You can read the full report by visiting www.psr.org.uk/app-fraud-data.
Share of APP fraud refunded
This is the proportion of total APP fraud losses that were reimbursed, ranked out of 14 firms.
See full resultsAPP fraud sent per £million transactions
This is the amount of money sent from the victim's account to the scammer, ranked out of 14 firms.
For example, for every £1 million of Monzo's transactions sent in 2023, £213 was lost to APP scams.
See full resultsAPP fraud received per £million transactions: smaller UK banks and payment firms
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and payment firms.
For example, for every £1 million received into consumer accounts at Skrill, £18,550 of it was APP scams.
See full resultsAPP fraud received per £million transactions: major UK banks and building societies
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and building societies.
For example, for every £1 million received into consumer accounts at Monzo, £183 of it was APP scams.
See full results