Security tools that put you in control
Keep your money safe with fraud protection and 24/7 support for urgent matters.
Personal bank account
A free bank account, with no strings attached
A free bank account, with no strings attached
Yes, really. There’s no account maintenance fees, and no strings attached*. Plus, make your savings go further with up to 2,50 % AER (2,47 % NIR) interest, paid monthly.**
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*No account maintenance fee. 0% AER, (0% NIR).
**Interest is settled monthly and applies to any amount deposited in the Monzo Savings Pot, with a €100,000 limit. At a rate of 2,50 % AER (2,47 % NIR) , maintaining a daily balance of €10,000 in a Monzo Savings Pot for 12 months would generate €250.00 in gross interest.
Ratings and customer figures shown relate to our UK customers.
A modern bank account, in your back pocket
No branch queues, no hidden charges, no complicated bank terms. Just innovative features that make managing your money feel like a breath of fresh air.
Free banking that stays free
There’s no hidden charges or account maintenance fees, just total clarity on your money. 0% AER (0% NIR).
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2,50 % AER (2,47 % NIR) interest on your savings
Our free Monzo current account comes with 2,50 % AER (2,47 % NIR) interest on your Instant Access Savings. Withdraw your money instantly without any fees.
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Total visibility of your money
Know where your money goes by bringing all your bank accounts together in one place.
Organise your spending with custom categories, get a clearer picture of your spending behaviours and use Trends to track how your habits change over time.
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24/7 customer support for anything urgent
Our friendly customer support team is available to chat in the Monzo app or over the phone.
We don't have opening or closing hours, so we're here when you need us most.
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Use virtual cards for safer online shopping
Create virtual cards to keep your online payments secure. They come with their own unique details, so you can shop online without sharing your main card number. You can also set an expiry date, so the card automatically deletes when you want it to.
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Join the waitlist for a chance to get early access
Be one of the first people to try Monzo in Spain.
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.
Step 2
Secure an invite
If you get to the top of the waitlist, you could receive an invite to Monzo in your inbox.
Step 3
Sign up to Monzo
Once you’re approved, you can add money and start spending on your hot coral card.
Travel light without extra fees
Say adiós to hidden fees on overseas spending. We pass Mastercard’s exchange rate directly onto you with nothing on top.
Ditch the fees overseas
Pay anywhere in any currency with no foreign transaction fees. We pass Mastercard's exchange rate directly on to you.
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Make free cash withdrawals abroad
Withdraw cash for free up to 3 times every 30 days, wherever you are in the world. After that, there is a €3 for withdrawals abroad.
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See exchange rates in the app
Understand exactly what you’re spending by seeing real-time exchange rates in the Monzo app.
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