Extra
Unlock advanced money management tools, dig into your credit health, multiple spare change, and more.
Current accounts
Current accounts that keep up
From personal accounts and joint accounts, to accounts for your kids - choose something that works for you.
UK residents only. Individual product Ts&Cs apply.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 April 2026.
Free accounts for the whole family
Set personal spending targets. Split costs with your housemates. Send your kids pocket money.
Make Monzo even more you
Upgrade your free personal current account based on what's important to you, from £3 a month.
An award-winning bank account with built-in budgeting tools
Making budgeting feel like a breeze with tools to keep track of your everyday spending and monthly bills.
Earn 3.65% AER (variable) on a paid plan
Earn our highest rate on Select Access Savings when you upgrade to Perks or Max. And get discounts, tasty treats and access to the Savings Challenge.
Perks is £7 a month 18+. Max is from £17 a month aged 18-69. 3 months minimum. Select Access Savings has £500 min deposit.
A regulated bank that lives on your phone
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.
A regulated bank that lives on your phone
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.
15 million personal and business customers have changed the way they bank
15 million personal and business customers have changed the way they bank
Apply for an account in 10 minutes
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.
Security you can bank on
We keep your money safe with industry-first fraud protection and 24/7 support.
Meet Flex, it's the best of Monzo in a credit card
With 0% interest options that won't expire, and credit limits up to £10,000. It's a credit card with Monzo magic.
Representative example
Representative APR
29% (variable)Credit limit
£1200Yearly interest
29% (variable)
Compare personal accounts and plans
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
3.15% AER (variable) interest on Select Access savings, paid monthly – £500 minimum deposit
Fee-free withdrawals up to £200
Credit insights - TransUnion Score only
- Included
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)
- Included
Includes everything from Free and Extra, plus:
3.65% AER (variable) interest on Select Access savings, paid monthly
3.25% AER (variable) interest, paid monthly on Instant Access Savings
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
- Included
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
Time to go full Monzo
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
Get more from Monzo
See how else we can help with the big life steps and safety nets.
