Monzo is a member of the Irish Deposit Guarantee Scheme. The scheme guarantees deposits up to €100,000 per account holder at Monzo.
Spain, meet Monzo!
We're Monzo, a bank with more than 15 million personal and business customers across the UK. Be one of the first to join us in Spain, and make money feel easier.
The Monzo difference
It’s 2026. Time to rethink how you bank. Monzo is designed for your life and how you live it – from the little things like tracking your day-to-day spending, to the big things like opening an account for your child or saving for your future.
Changing how millions feel about their money
Monzo helps you see where your money’s going, stay on top of spending, and confidently plan ahead. From real-time updates to simple budgeting features, everything’s designed to make money easier — so you feel in control, and get time back to focus on what matters.
A business bank account that works as hard as you
From start-ups to scale-ups, we take the hassle out of growing your business. Over 800,000 businesses in the UK already use Monzo to make life easier for them and their customers. Now we're bringing our business accounts to Spain.
Packed with everything you want
Monzo’s been co-designed with customers since day one – they’ve had their say on some of the most exciting features we’ve built.
Instant notifications
We help you get to know where your money goes with instant notifications. Making it easier to keep track of your spending and spot if something doesn’t look right.
Protection from fraud calls
This feature tells you in real-time if you’re really speaking to Monzo, or if it could be a scammer. It helps prevent over 1,000 fraud attempts a month in the UK.
Freeze a lost or stolen card
There’s nothing worse than losing your card or thinking it’s been stolen. For extra peace of mind, you can freeze it with a few taps in the app, then hit unfreeze if it shows up again.
Gambling block control
If you turn this control on, we’ll decline any gambling transactions before they go through. We also have a team on-hand to chat if you need additional support.
Automated savings
Round up payments to the nearest euro. With roundups turned on, we’ll do it for you – automatically adding spare change to a Pot of your choice.
Fee-free travel*
Spending abroad should be like spending at home. Pay anywhere, in any currency, on your debit- all with no fees.
*Spend abroad with no fees. We pass Mastercard’s exchange rate directly onto you, without sneaky fees or extra charges.