Personal bank account
Create Pots to organise your money. Earn up to 3.25% AER (variable) on Instant Access Savings, and use roundups or auto-deposits to supercharge your savings.
UK residents only. Ts&Cs apply.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 Apr, 2026.
Say adios to hidden fees on overseas spending. We pass Mastercard’s exchange rate directly onto you with nothing on top.
Which means 24/7 support, FSCS protection, and no complicated paperwork.
24/7 support
You can speak to us through our in-app chat – whenever, wherever. We're here for you 24/7.
Deposit cash and cheques
Add cash to your account at any PayPoint or Post Office (£1 per deposit), and pay in cheques via the app.
No hidden fees
Our current accounts are free and we don’t charge monthly fees or surprise you with hidden costs.
FSCS protected
Your eligible money in Monzo is protected by the FSCS up to £120,000 per person.
Which means 24/7 support, FSCS protection, and no complicated paperwork.
24/7 support
You can speak to us through our in-app chat – whenever, wherever. We're here for you 24/7.
Deposit cash and cheques
Add cash to your account at any PayPoint or Post Office (£1 per deposit), and pay in cheques via the app.
No hidden fees
Our current accounts are free and we don’t charge monthly fees or surprise you with hidden costs.
FSCS protected
Your eligible money in Monzo is protected by the FSCS up to £120,000 per person.
Get paid into Monzo and make the best day of the month even better.
Join over 15 million personal and business customers who've changed the way they bank.
Step 1
Open a free Monzo account
It takes just 10 minutes to apply, and comes with innovative features to help you manage your money.
Step 2
Fill out a few questions
We'll ask you some questions to help us set up your account, but there's no lengthy paperwork to fill in. In fact, it only takes a few minutes.
Step 3
Add your Hot Coral card to your digital wallet
Once your account's open, you can start using your card straight away with your digital wallet.
Join 15 million people already banking with Monzo.
Upgrade your free current account to a Monzo Plan to get more money management tools, boosted rates and partner perks.
A UK current account
Your eligible deposits are protected by the FSCS up to £120,000 per person
All the Monzo features you know and love
2.75% AER (variable) interest, paid monthly on Instant Access savings
Fee-free withdrawals up to £200
Credit insights - TransUnion Score only
Includes everything from Free, plus:
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights - 3 scores (TransUnion, Experian, Equifax)
Billsback™ – you’ll be in with a chance to get your bills covered by us (up to £150)
Includes everything from Free and Extra, plus:
3.25% AER (variable) interest, paid monthly
Fee-free withdrawals up to £600
3 fee-free cash deposits
Discounted investment fees
Annual Railcard
Weekly Greggs treat
Monthly cinema ticket at Vue
Annual Uber One Membership
Includes everything from Free, Extra and Perks, plus:
Personal worldwide travel insurance – provided by Zurich, powered by Qover
Personal worldwide phone insurance – provided by Assurant
Personal UK & Europe breakdown cover - provided by RAC
Add your family to your insurance and cover for an extra £5 a month
Unlock smarter ways to spend, share and manage your money.
Head to monzo.com/sign-up and enter your email address. We’ll send you a secure link to continue your sign-up. From there, you’ll verify your identity, add some personal details, and your account will be ready to use once we’ve confirmed everything.
You’ll need a form of photo ID, like a passport or driving licence, so we can verify your identity. When you open the app and start creating an account, we’ll ask for some information like your home address, and the email and phone number you want to use with your account.
Yes! Opening and using a Monzo personal account is free. Or if you’re after a bit extra, you can upgrade to one of our plans from £3 a month. Aged 18+, Ts&Cs apply.
You can add money by making a bank transfer or getting your salary paid into Monzo. You can also make cash deposits at any Post Office or PayPoint location. We’ll charge you £1 for each deposit to help cover the charges we have to pay to the Post Office and PayPoint.
Yes! You can pay anywhere, in any currency, fee-free. We pass Mastercard’s exchange rate directly onto you, without fees or extra charges. You also get a monthly allowance for free ATM withdrawals abroad.
Yes, you can add your Monzo card to Apple Pay or Google Pay in a few taps, and start paying from your phone or watch straight away.
You can chat to us 24/7 in the Monzo app – just tap ‘Help’ and start a chat.
Your Monzo card should arrive within 3-5 working days after you open your account. You can use a virtual card in the app right away while you wait.
We're a fully-regulated UK bank and a member of the Financial Services Compensation Scheme (FSCS), so your eligible deposits are protected up to a value of £120,000 per person. We help keep your money safe with industry-first security features, humans on hand 24/7, and advanced fraud protection.
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
