Basic (Free)
When we say free, we really mean it. No hidden fees, no sneaky small print. Just the tools you need to understand and run your business better, including VeriFactu-ready invoices, Bizum and more.*
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Pricing
Whatever your business, we’ve got a plan
Whatever your business, we’ve got a plan
Growing team or flying solo, brand new or years in the game, there’s a plan for where you are now and where you’re going.
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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.
Meet the plans
Upgrade your free* Monzo Business Account to Pro or Advanced for smarter admin-saving tools, expense cards and team access.
Pro
Stay on top of your finances and save time doing it. Pro lets you set money aside for tax and cut admin by automatically exporting bank statements and paid invoices for your accountant.
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Advanced
Claim back lost time for you and your team. Expense cards let employees spend with limits and controls that you set, and bulk payments help you pay salaries and suppliers in one go.
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Compare our plans
We're making money work for everyone, so we have different plans for different needs.
A Spanish business bank account
Free Spanish instant bank transfers
Mobile and web access
Free, VeriFactu-compliant invoices
1.20% AER, 1.19% NIR, paid monthly on Instant Access Savings***
Cashflow insights
Accept contactless payments
- Included
Includes everything from Basic, plus:
Automated Tax Pots
Auto-exports for transactions, invoices and statements
1.60% AER, 1.59% NIR, paid monthly on Instant Access Savings***
0.25% cashback on card spend, capped at €15 a month
Virtual cards (up to 5 at a time)
Multi-user access (up to 3 members)
Connected accounts
- Included
Includes everything from Basic and Pro, plus:
Expense cards
Bulk payments
Payment approvals
0.50% cashback on card spend, capped at €30 a month
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.
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Plan pricing
*Free Basic plan: 0% AER, 0% NIR. No account maintenance fees.
**Pro and Advanced plans: 0% AER, 0% NIR. No subscription fees during the first 12 months. See offer terms.
After the first 12 months:
Pro plan: Monthly subscription fee of €9 (€108 over 12 months)
Advanced plan: Monthly subscription fee of €24 (€288 over 12 months). First 6 team members included, €5/month for each additional member (up to 15 in total).
***Savings example:
Interest rate with Monzo Business Basic: 1.20% AER (1.19% NIR)
Example: Interest is settled monthly and applies to any amount deposited in the Monzo Savings Pot, with a €100,000 limit. Under the current 1.20% AER (1.19% NIR), maintaining a daily balance of €10,000 in a Monzo Savings Pot for 12 months would generate €119 in gross interest.
Interest rate with Monzo Business Pro or Advanced plan: 1.60% AER (1.59% NIR)
Example: Interest is settled monthly and applies to any amount deposited in the Monzo Savings Pot, with a €100,000 limit. Under the current 1.60% AER (1.59% NIR), maintaining a daily balance of €10,000 in a Monzo Savings Pot for 12 months would generate €159 in gross interest.