Make Monzo a bit more you

Extra cards that you can create and delete as you like for budgeting and security.

Only want to spend a certain amount on croissants this month? Create a ‘Pastries’ Pot, link a virtual card to it and once the Pot’s run dry, you’ve hit your limit.

Buying something online but worried about entering your physical card’s details? Create a virtual card specifically for online shopping and if you think someone’s got hold of the details, delete the virtual card.

You can have up to 5 live virtual cards at any time and can create up to 9 every 30 days, with a maximum of 100 per year.

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

See your balances and transactions, and move money around with easy bank transfers.

We encrypt the information we get from your other bank and if you change your mind, you can remove an account at any time.

We use Open Banking to connect accounts, which is a service that the Financial Conduct Authority (FCA) regulates. For security reasons we ask you to renew the connection every 90 days.

This means you can see your other account balances, transactions, and trends all in the Monzo app. We let you add most major UK banks to Monzo. The ones below are the ones that are available now on personal/business accounts. Supported banks: American Express, Bank of Scotland, Barclaycard, Barclays, Capital One, Chase, First Direct, HSBC, Halifax, Lloyds Bank, M&S Bank, MBNA, NatWest, Nationwide, RBS, Revolut, Sainsbury's Bank, Santander, Starling Bank and TSB.

We're hoping to add more soon and we're already working on the next group of accounts to be added!

Go to Monzo Labs in your Account Settings and switch on 'Test Other accounts in Monzo' to connect to one of the following accounts which are still in testing:

Amazon, Aqua, Argos Classic, Bip, Fluid, John Lewis, Marbles, NewPay, Opus, Pulse, Tesco Bank, Tide Business Banking, Virgin Money and Wise

You can create and edit a custom category by opening a recent payment and tapping the category for that payment.

If you edit a payment's categories, we'll categorise all future payments for the same merchant in the same way.

Credit insights gives you a clear picture of your credit health and ways to improve it.

You’ll see your Equifax and TransUnion credit scores as well as your credit report, updated weekly. So you can keep an eye on things and take action if something doesn’t look right.

We’ll also show you the factors that are impacting your scores and what you can do to improve how lenders see you.

You’ll be able to understand how to improve your credit health with credit-boosting actions. You can track the progress of your actions and see the estimated impact that ticking them off will have on your scores.