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The bank that makes life easy
Join the waitlist for early access to a free personal bank account. You’ll get €25 if you’re one of the first 10,000 people to use your card.
Monzo Bank Europe DAC, Sucursal en España registered with Banco de España is a member of the Irish Deposit Guarantee Scheme. The scheme guarantees deposits up to 100,000 euros per customer at Monzo.
Built for Spain
Monzo has 16 million customers across the UK and Ireland. Now we’re working with people in Spain to build a bank around how life really works here.
Humans on hand
Talk to a real person 24/7 if something urgent comes up. Chat to us in-app whenever you need us.
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We’re listening
Our first Spanish customers have told us what matters to them. Now we’re creating a bank that makes everyday life feel easier.
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Made in Spain
Based in Barcelona and Madrid, our Spanish team is working on bringing a new kind of bank to Spain.
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For you, your business, your partner, and your kids.
Free bank accounts. No strings attached.
Personal
No hidden charges or maintenance fees, just total clarity on your money. 0% AER ( 0% NIR).
Spain residents only.
Business account
Make life easier for you and your customers with free instant bank transfers, deposit protection, instant notifications and more.
Only sole traders or limited companies.
Joint account
Partner, housemate or soulmate? Invite them to Monzo, then you can apply for a joint account together.
You'll both need a Monzo account. Aged 18+.
Under 18s account
Our account for 6-17 year olds, with no up-front costs, subscriptions or top-up fees. Schedule pocket money and set spending limits. Free for every child.
Ages 6-17. Parent/Guardian account needed.
Under 18s account
Our account for 6-17 year olds, with no up-front costs, subscriptions or top-up fees. Schedule pocket money and set spending limits. Free for every child.
Ages 6-17. Parent/Guardian account needed.
Under 18s account
Our account for 6-17 year olds, with no up-front costs, subscriptions or top-up fees. Schedule pocket money and set spending limits. Free for every child.
Ages 6-17. Parent/Guardian account needed.
Basic account
Personal or joint current accounts with our main features. Good for EU residents who don’t have a current or payment account in Spain, including refugees and asylum seekers.
Earn 2.50% AER (2.47% NIR) on your savings
Our free current account comes with 2.50% AER (2.47% NIR) interest paid monthly on Instant Access Savings - deposit limit of €100,000. You can withdraw your money whenever you like, instantly – and without any fees.
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See all your bank accounts in one place
Connect your other accounts to Monzo so you can track all your balances, spending and payments in one place.
Then use Trends to see your finances more clearly across accounts – and track how your money habits change over time.
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Keep your money organised
Use Pots to separate your spending, saving and bills money all in one account.
Then create virtual cards for each Pot. When you buy a coffee (for example), the money comes out of your ‘coffee’ Pot – and you can see exactly how much you have left.
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Start with a little extra
Be one of the first to use your Monzo card and get €25 with a personal account or €50 with a business account. (And yes, you can get both.)
Get €25 with a personal account
Be one of the first 10,000 people to spend with Monzo, and we'll add €25 to your account. Time to think about who you’re taking to the cinema. Offer terms.
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Get €50 with a business account
Be one of the first 1,000 businesses to pay for something with your new card, and we’ll add €50 to your account. Offer terms.
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Smart security for your money
With fraud protection and 24/7 support for anything urgent.
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16 million customers in the UK bank with Monzo
Join the waitlist for a chance to get early access
Be one of the first people to try Monzo in Spain.
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Step 1
Join the waitlist
Sign up in a couple of minutes. Download the app to see your position on the list, and jump ahead buy inviting your friends and family.
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Step 2
Secure an invite
If you get to the top of the waitlist, you could receive an invite to Monzo in your inbox.
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Step 3
Sign up to Monzo
Once you’re approved, you can add money and start spending on your hot coral card.
Questions? Answers.
Monzo? What is Monzo?
We're the bank that makes you feel differently about your money. We're new to Europe but more than 16 million customers trust us with their money in the UK.
When we started out back in 2015 we made it our mission to make money work for everyone. And that's exactly what we're here to do.
Is Monzo really free?
It really is. A Monzo current account, Joint account or Under 18s account are completely free, with no sneaky maintenance fees, ATM withdrawal fees or foreign exchange fees.
Your business can bank with us for free too. Our Basic plan for businesses is a free business bank account with Savings Pots, insights on your incomings and outgoings, and simple ways for your customers to pay.
Is Monzo a real bank?
Yes! We're an EU licensed bank, registered with the Bank of Spain with local Spanish IBANs. We're also part of the Irish Deposit Guarantee Scheme, meaning eligible deposits are protected up to €100,000.
Our security controls for large payments – like trusted contacts, QR code scanning and known locations – are just a few ways we’re protecting you and your money. Plus things you might already be familiar with, like card freezing if your card gets lost or stolen, and fingerprint or facial recognition to approve online shopping and getting into your Monzo app.
Why do I have to join a waitlist?
We're launching fully in Spain very soon but until we do, we've set up a waitlist for people to get their hands on an early access version of Monzo. Here's how it works. Get your name on the waitlist and download the Monzo app to find out your position in the queue.
As we invite people to apply for early access you’ll climb the queue, you’ll get your invite to apply if you reach the top. Early access is all about shaping the Monzo experience in Spain together. We’ll work with you to get your feedback and hear how we could make things even better before we launch fully. We’re capping early access accounts at 10,000 for personal accounts and 1,000 business banking accounts.
Is Monzo safe?
Absolutely, we're a licensed bank that's authorised and regulated by the Central Bank of Ireland and part of the Irish Deposit Guarantee Scheme, which means your eligible deposits are protected up to €100,000. We have an office in Barcelona and although we're new to Spain we have over 16 million customers in the UK already.
How do I contact Monzo?
Speak to a real-life human if something urgent comes up. We're available through in-app chat when you need us.
You can chat to us in the app or email us at help@monzo.com.
Can I use Monzo with Apple Pay?
You can use your Monzo card with Apple Pay to make purchases in person and online. If you're using an Apple device that is iOS 26 or later you can now simply tap your Monzo card on the back of your phone to add it to Apple Wallet.
Does Monzo offer basic bank accounts?
We will be offering basic accounts when we have fully launched Monzo in Spain, you can join the waitlist for early access until then.
Basic accounts are free in the EU, and we designed them for people without another bank account. You don't need to buy anything else from us to open one.
You can open a Basic account if you:
Live in Spain
Are 18 or older
Don’t already have another payment account in Spain (unless it’s closing soon)
What you’ll get:
A Monzo debit card and Spanish IBAN
Direct Debits and Standing Orders
Pots to help you save and budget
Free cash withdrawals across Spain and the EEA
What’s different from our other accounts:
Overdrafts are not included
No ATM fees
If you upgrade to a different Monzo account later, you won’t be able to switch back to Basic.