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Spain, we're open for business
Join the waitlist for a free business bank account that makes life easier for you and your customers.
Only sole traders or limited companies.
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.
Business banking with Monzo
It’s hard coming up with a business idea, let alone wading through the admin. Whether you’re self-employed or running a business, just starting out or ready to grow, Monzo takes the hassle out of managing your finances.
Be one of our first customers in Spain and find out why more than 800,000 businesses in the UK already use Monzo.
Different plans to suit your... plans
Get our free* Basic plan as standard or upgrade to Pro or Advanced.
Basic
When we say free, we really mean it. Basic has no hidden fees or charges, just the tools you need to understand and run your business better.
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Pro
Pro lets you put money aside for tax and cut admin with auto-exports of bank statements and paid invoices to Google Drive or Microsoft OneDrive. It’s €9 a month**, with 12 months free if you get early access. Offer terms and conditions.
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Advanced
Manage your team and set limits on expense spending with Advanced. From €24 a month for up to 6 team members***, then €5 a month per team member after that. Get 12 months free if you get early access. Offer terms and conditions.
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VeriFactu-ready invoicing
Create and personalise VeriFactu compliant invoices in a few taps. Send them from the app or on the web, track what’s been paid, and get paid with less hassle.
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Any way they want to pay
Your customers have full flexibility when it comes to paying with payment links and QR codes available on all plans. Contactless payments with Tap to Pay are available with Pro and Advanced.
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See your money more clearly
Get an overview of your business’ money or zoom right into the detail with Insights. See how much you’re being paid and how much you’re spending over time periods that matter to you.
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Avoid (nasty) surprises with Tax Pots
Stay on top of your taxes by automatically setting the right percentage of your income aside into Tax Pots. That way you can get on with other things, knowing money is already set aside for tax.
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Security you can bank on
With fraud protection and 24/7 support, your money isn't going anywhere you don't want it to.
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In the UK, Monzo is trusted by 800,000+ businesses, now Monzo is launching in Spain. Join the waitlist today.
Questions? Answers.
How much does Monzo Business cost?
Early access is completely free for the first year!
Our Basic plan is always free and Pro and Advanced are completely free for 12 months, then Pro is €9 a month and Advanced starts from €24 a month.
We won’t charge for transfers in the Eurozone. And to accept card payments we won’t charge our own fee, we will only pass on Stripe’s fee of 1.5% + €0.25 for each payment.
Is Monzo Business available to sole traders and freelancers?
Yes. All our Monzo Business Accounts will be available to eligible sole traders, freelancers and limited companies. Learn more about the eligibility requirements for a Business Account.
Can I deposit cash into the account?
Not right now but we know this is important to businesses so we’re working on it.
Can I take out a business loan?
We don't offer business loans right now, no. We’ve been focusing on cashflow and tax management but we know that borrowing’s important to businesses and want to make loans available one day. Watch this space!
Does Monzo Business offer savings?
We don't at the moment but we know that earning interest on your money is something businesses care about and want to make savings accounts available soon.
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 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.
Does Monzo Business have online banking?
We do. You can access your business account in the mobile app and on your laptop or computer using our web app.
Plan pricing
*Free Basic plan: 0% AER, 0% NIR. No maintenance fees.
**Pro plan: 0% AER, 0% NIR. No maintenance fees in the first year. -1.08% AER from the second year onwards. Monthly maintenance fee of €9, with a maximum maintenance cost of €108 over 12 months.
Representative example: if you keep €10,000 in the account for one year. No interest.
***Advanced plan: 0% AER, 0% NIR. No maintenance fees in the first year.
Your first 6 team members are free, then each additional member, up to a total of 15, is €5 per month extra.
Example with the included 6 team members only: -2.88% AER from the second year onwards. Monthly maintenance fee of €24, maximum maintenance cost of €288 over 12 months.
Representative example: if you keep €10,000 in the account for one year. Total maintenance cost of €288, no interest.
Example with the maximum 9 additional team members: -8.28% AER from the second year onwards. Monthly maintenance fee of €69 (€24 + €45 for 9 additional team members), total cost of €828 over 12 months.
Representative example: if you keep €10,000 in the account for one year. Total maintenance cost of €828, no interest.