Humans on hand
Talk to a real person 24/7 if something urgent comes up. Chat to us in-app whenever you need us.
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Money management
Fácil everyday banking
Fácil everyday banking
You don’t need to be an accountant to be good with money. See it, sort it, spend it. Monzo gives you simple, intuitive tools that make staying on top of your money feel almost effortless.
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Ratings and customer figures shown relate to our UK customers. The App Store, Google Play Store and Trustpilot ratings are correct as of 28 September 2026.
Get smart tools to manage your spending
Organise your money with Pots
Want to manage what you spend on monthly food shopping? Or separate your Renfe money from your tapas fund? Pots make budgeting easy. Create up to 20 to keep your money in order.
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See all your bank accounts in one place
Connect your other accounts to Monzo so you can track all your balances, spending and payments in one place.
Then use Trends to see your finances more clearly across accounts – and track how your money habits change over time.
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Organise and track your spending with custom categories
Create your own categories to group your spending in a way that suits you. Making it simple to track your spending on taxis, coffees, takeaways – you name it (literally).
You can even give each of your custom categories its own icon and colour.
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Separate your spending with virtual cards
Extra cards you can create and delete as you like for budgeting and safer online shopping.
Only want to spend a certain amount on flat whites this month? Create a ‘Takeaway Coffee’ Pot, add some money and link a virtual card to it. Once the Pot runs dry, you’ll know you’ve hit your limit.
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Built for Spain
Monzo has 16 million customers across the UK and Ireland. Now we’re working with people in Spain to build a bank around how life really works here.
We’re listening
Our first Spanish customers have told us what matters to them. Now we’re creating a bank that makes everyday life feel easier.
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Made in Spain
Based in Barcelona and Madrid, our Spanish team is working on bringing a new kind of bank to Spain.
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Let your money look after itself
Take some of the work out of managing your money. Automate your bills and turn spare change into savings with round ups.
Instant notifications
Turn on instant notifications so you can see your spending in real time.
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Keep your bills money separate
Separate your bills money from your groceries by creating different Pots for different spending needs.
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Automate your bills
Set up Direct Debits and standing orders to be taken from your balance automatically.
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Round up spare change
Turn on roundups, and any time you spend more than €1, we’ll round up the change to the nearest euro and pop it in a Pot of your choice.
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Let your money look after itself
Take some of the work out of managing your money. Automate your bills and turn spare change into savings with round ups.
Instant notifications
Turn on instant notifications so you can see your spending in real time.
Keep your bills money separate
Separate your bills money from your groceries by creating different Pots for different spending needs.
Automate your bills
Set up Direct Debits and standing orders to be taken from your balance automatically.
Round up spare change
Turn on roundups, and any time you spend more than €1, we’ll round up the change to the nearest euro and pop it in a Pot of your choice.
See your spends with Trends
Get a clearer view of your spending across all your bank accounts. Track how much you're spending by category over time, set spending targets, and see when you're over or under budget.
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Join the waitlist for a chance to get €25
If you're one of the first 20,000 people to spend with your hot coral Monzo card, we’ll give you €25. Perfect for a movie date (with popcorn and drinks included!)
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.