Your new favorite debit card

Get 2% cashback on groceries and eating out, instantly.

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Banking services provided by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

Subscription plan may apply. Monzo Pro is $10 a month.

Packed with the best of Monzo

Earn up to 3.75% APY on savings

No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.

Connected accounts and credit cards

Get a clear view of your finances by adding your other accounts and credit cards to Monzo.

Budgeting tools you'll want to use

Instant spending notifications, custom categories for your money, Jars for separating it and monthly spending summaries.

Meet Monzo Pro

Earn 2% cashback on groceries and eating out, instantly. Our best savings rate of 3.75% APY interest, paid monthly and accessed instantly. Get paid up to 2 days early.

The best of Monzo for $10 a month.

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Cashback means real cash

Cashback is deposited instantly, straight into your account. Withdraw, spend or save it (and we'll even give you up to 3.75% APY interest).

Earn 8X more interest*

Create Jars to separate your savings from your balance, and earn up to 3.75% APY.

Customize each Jar with a name, picture, and target. So how you save feels a lot less stressful, and a lot more you.

Join up your financial life

Save yourself switching between countless apps and accounts. Add all your bank accounts and credit cards to your Monzo.

Then use weekly and monthly spend insights to see your money in a whole new light.

You ask for it, we build it

We build things our customers actually ask for – like a Tip Tracker that works out tips for you and updates your balance in real time.

FDIC protection meets cutting-edge security

With Monzo, your money is eligible for insurance up to $250,000 through our partner Sutton Bank, Member FDIC.* And we use advanced security features, like Biometrics and PIN protection, to give you extra peace of mind.

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And since we don't bury the footnotes

* What’s the national average interest rate?

The national average interest rate for savings accounts is 0.42% as posted on FDIC.gov, as of December 16 2024.

** How does FDIC insurance work? Your funds are held at Sutton Bank, Member FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.

Open a free account

Download on iOS or Android and join more than 10 million people who've made their money more Monzo.

Existing customers can get help via the app

Monzo’s Savings Jar Annual Percentage Yield (APY) is up to 3.75% as of January 8, 2025. The APY may change at any time.

This website is operated by Monzo Inc. Monzo reserves the right to restrict or revoke any and all offers at any time.

Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply which you can learn more about here.

The Monzo mobile banking app facilitates access to banking and deposit services provided by Sutton Bank, Member FDIC. The Monzo Mastercard Debit Card is issued by Sutton Bank, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2024 Monzo, Inc. All rights reserved.