Current accounts that keep up
From joint accounts, to accounts for kids, to accounts with worldwide travel insurance – choose something that works for you.
UK residents only. Individual product Ts&Cs apply.
Current accounts for current times
Stick to your personal spending targets. Split costs with your housemates. Send your kids’ pocket money in just a few taps.
Our Hot Coral current account
A place to manage your everyday money and savvy ways to save for the future. You’ll get our signature Hot Coral debit card, too.
Understand your spending habits with categories and trends
Earn 3.00% AER interest (variable) on Instant Access Savings Pots and Cash ISA
Spend abroad with no foreign transaction fees or hidden costs
UK residents only. Ts&Cs apply.
Upgrade to a Monzo plan
Get more from your personal current account by upgrading to one of our 3 plans. Here’s a snapshot of what’s included with Max, our top plan:
Worldwide travel and phone insurance, plus UK and Europe breakdown cover
3.50% AER interest (variable) on Instant Access Savings Pots and Cash ISA
Weekly Greggs treat, monthly cinema ticket at Vue and annual Railcard with Trainline
From £17 a month. UK residents aged 18+ (18-69 for Max) . Ts&Cs apply.
Monzo joint accounts
Manage shared spending and saving. It’s for soulmates, housemates, or anyone else – as long as you both have a Monzo account.
Meet savings goals with a joint Instant Access Savings Pot with 3.00% AER interest (variable)
Take the stress out of shared spending with instant notifications and joint visibility of your money
Budget together, with shared Pots for bills
You'll both need a Monzo account. Aged 18+. UK residents only. Ts&Cs apply.
Monzo for 16-17s
All the best bits of a Monzo current account (including our Hot Coral card), but with blocks on age-restricted things like gambling.
Manage your money with your own debit card that you can add to your digital wallet
Split bills, request payments and take the guesswork out of group spending
Earn 3.00% AER interest (variable) with an Instant Access Savings Pot
16–17 year olds only. UK residents only. Ts&Cs apply
Monzo for Under 16s
Our account for 6–15 year olds, with no up-front costs, subscription or top-up fees. They can choose their own neon card, and use the app (we’ve made it child-friendly for them).
Keep track of their spending in your Monzo app
Set spending limits and controls
Ping over their pocket money at any time, or set up a regular transfer
Ages 6–15. UK residents. Parent or guardian account needed. Ts&Cs apply
Industry-first security that keeps you safe
Biometric logins, advanced fraud monitoring, instant in-app card-freeze. These are just a few ways we keep your money safe.
But we go even further, with industry-first features to stop scammers, like our trio of extra security controls. Scan a QR code, choose a known location, or pick a trusted contact to prove it’s you making a large payment.
Monzo Business Banking
A UK business bank account that makes life easier for you, and your customers. Choose our free Lite account, or upgrade to Pro or Team, depending on what’s right for you.
Automatically set aside tax every time you’re paid (available with Pro, from £5 a month)
Claim back lost time with employee expense cards you can set limits and controls for (available with Team, starting from £25 a month)
Integrate with accounting software like Xero, Freeagent and Quickbooks, or auto-export your transactions (available with Team and Pro, from £9 a month)
Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.
Switching to Monzo is easy
The Current Account Switch Service lets you close your existing main current account and move everything over to your new one. It’s free, takes just 7 days, and you don’t need to do a thing.
Open an account
Apply for a Monzo account here.
Choose a date
Select a date you want to switch your main account to Monzo.
We'll do the rest
We'll kickstart the process for you, including setting up your payees and salary.
Open a free bank account
Download the Monzo app on iOS or Android and join more than 13 million personal and business customers who've changed the way they bank.
