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Monzo app and its key features

Banking made easy

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

Monzo app and its key features

Join the people with a Monzo bank account

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

New on Monzo

Get paid... a day early

Put your salary into Monzo and we can advance you the cash one day early. No cost, no hassle. Just more time with your money.

Find out more about getting paid early
A calendar showing payday on Thursday

New on Monzo

Salary Sorter by Monzo

Sort your money between savings, bills and spending in a few taps. All your money neatly separated so you can't overspend, but still under one roof.

Find out more about the salary sorter
Monzo app with notification of incoming salary

New on Monzo

Bills Pots by Monzo

Pick a Pot to pay bills from, so you can't accidentally spend the rent. When a bill is due, we pay it from the Pot for you – easy.

Bills with Monzo
Monzo app showing bills, that are paid from a pot

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 £500 and loans up to £3,000. 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

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