How to open a Monzo account

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You’ve decided to open a Monzo account! We’re excited for you to join us, and we’re here to walk you through it. The process for applying shouldn't take more than 10 minutes, once you've downloaded the app.

To get started, you’ll need your phone and ID 

To open a Monzo account you need to be at least 16 years old and live in the UK full time, with the right to reside here.

You’ll also need your mobile phone and a valid ID. We accept your:

  • Passport

  • Driving licence (your provisional is fine)

  • National ID card

  • Biometric residency permit 

And we'll ask you for a residential address in the UK where we can send your card.

Opening an account is simple

Let’s get started! 

Step 1: Download the Monzo app

Tap the button below on your phone 

Or search the App Store or Play Store for Monzo.

Step 2: Tell us about you

We'll ask you for some information like your home address, and the email and phone number you want to use with your account.

Because we're a regulated bank, we'll also ask some questions about things like what you do for a living, and how you want to use your new account.

Step 3: Help us confirm your identity 

We also have to verify all our customers’ identities. So to help us confirm that you are who you say you are, we get a picture of your ID and then ask you to take a selfie video.

We compare this video with your ID, which helps us confirm you’re really you, and that you actually want to open an account.

Step 4: Finish choosing what you want from Monzo

We have a few different account options, depending on what you need from us. Pick the account that suits you best!

Step 5: Activate your card once it arrives

We'll send your new card out as quick as we can. Usually, it'll arrive within a couple of days.

When your card arrives in the post, activate it by following the instructions in your Monzo app.

That’s it! You’re ready to use Monzo to spend, save and manage your money. Thanks for joining us 💛