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Banking made easy

Spend, save and manage your money, all in one place. Open a full UK bank account from your phone, for free.

Join the people with a Monzo bank account

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

Monzo Premium

Monzo Premium: Banking that makes a statement

Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more.

Explore Monzo Premium

Monzo Plus

Monzo Plus Put money in your hands

Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and much more.

Explore Monzo Plus
Monzo app with a Monzo Plus card

Save with Monzo

Saving with Monzo
Monzo app showing a notification your interested earned this month

Manage with Monzo

Pay Direct Debits through Monzo and we’ll tell you if they’re higher for the upcoming month. So no nasty surprises.

Monzo app with a notification showing your water bill being £15 more this month

Spend with Monzo

Get instant notifications the second you pay. Set budgets for things like groceries and going out, and get warnings if you’re spending too fast (if you want them).

Monzo app with an instant spending notification

Travel with Monzo

Use Monzo anywhere in the world that accepts Mastercard. We don’t charge any fees for spending abroad, and we don’t mark up the exchange rate – unlike most other banks.

Travelling with Monzo
Monzo app showing a trip transaction summary

Borrow with Monzo

We offer overdrafts up to £1,000 and loans up to £15,000. Checking if you're eligible won't leave a mark on your credit score, there are no lengthy forms to fill in, and no charges for paying us back early.

Borrowing with Monzo
Monzo app showing the loan calculator

Stay Safe with Monzo

Your money in Monzo is FSCS protected up to £85,000. Compared to other UK banks, we’re 4x better at stopping card fraud, and 3x better at stopping identity theft.

Find out more about bank security with Monzo
Illustrations of a mobile, Monzo card, fingerprint, padlock and shield

Independent service quality survey results

Personal current accounts

Published August 2021

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.

Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and join the people who've changed the way they bank.

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