VeriFactu-ready invoices
Create, send and track compliant invoices in the app or on web for free. We send them to Agencia Tributaria for you.
:format(avif))
E-invoicing
Free, VeriFactu-ready invoicing as standard
Free, VeriFactu-ready invoicing as standard
Create, send and track compliant invoices in the Monzo app or on the web, without paying for separate invoicing software.
:format(avif))
Only sole traders and limited company (SL) directors in Spain can apply. Ts&Cs apply.
The App Store, Google Play Store and Trustpilot ratings are correct as of 28 July 2026. These numbers are based on our UK customers.
Less time invoicing, more time innovating
Take the pain out of getting paid.
Less typing on every invoice
Save customer details, line items, prices and payment terms to make repeat invoices quicker and easier to create.
:format(avif))
Make invoices easier to pay
Let customers pay straight from the invoice - by Bizum, card, bank transfer, secure payment link or QR code.
:format(avif))
VeriFactu? What’s VeriFactu?
VeriFactu is a new invoicing requirement in Spain.
You’ll need compliant software that creates a secure invoice record, adds a QR code and meets Agencia Tributaria’s reporting rules.
With Monzo, it’s built into the invoicing flow. Review and approve your invoice, and we’ll create and submit the compliant record.
The rules apply from 1 January 2027 for companies paying Corporation Tax, and from 1 July 2027 for most freelancers and other businesses.
:format(avif))
Free, compliant online invoices
Everything you need, from first draft to final payment.
Give it the professional touch
Add business details, logo, payment terms and customer payment options once, then every invoice has the basics before you send.
:format(avif))
Filled with confidence
We’ll take you through the all-important details to fill in on every invoice. You review and approve before hitting send.
Once approved, Monzo handles tax office verification, adds the QR code, and gets it ready to send to your customer.
:format(avif))
Stay on top of every invoice
See what’s been sent, seen, paid (or not). So you can quickly understand where everything stands in one place.
:format(avif))
Simple invoicing, smart banking
Why have one without the other?
:format(avif))
:format(avif))
:format(avif))
:format(avif))
Did we mention it’s free?
Our free* business bank account comes ready for VeriFactu with no extra cost. Saving you money and time.
:format(avif))
Join the waitlist for your chance to get early access
Be one of the first people to try Monzo in Spain.
:format(avif))
Step 1
Join the waitlist
Sign up in a couple of minutes. Download the app to see your position on the list, and how to jump ahead.
:format(avif))
Step 2
Secure your spot
If you get to the top of the waitlist, you could receive an invite to Monzo in your inbox.
:format(avif))
Step 3
Apply in minutes
Once you’re approved, you can add money and start spending on your business debit card.
Trusted by 1 million businesses in the UK
We’re new to Spain, but we’ve spent years making life easier for UK businesses. Now it’s your turn.
:format(avif))
*Free Basic plan: 0% AER, 0% NIR. No account maintenance fees.