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The bank account that travels
With no foreign transaction fees, and an easy way to split bills with your travel buddies, you’re all set to go.
Travel
Travel light with no extra fees
Travel light with no extra fees
Pay anywhere in any currency, fee free. Split bills in a few taps and easily settle up shared spending for group trips. We’ll chase your friends for you if they forget to pay you back.
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.
See exchange rates in the app
Understand exactly what you’re spending with real-time exchange rates.
Free yourself from fees
Pay anywhere in any currency with no foreign transaction fees. We pass on Mastercard's exchange rate.
Free ATM withdrawals up to €300
Withdraw cash for free up to 3 times every 30 days, wherever you are in the world. After that, there’s a €3 cash withdrawal fee.
Split bills in just a few taps
Put the calculator down and split bills in the app – whether your friends are on Monzo or not.
The bank account that travels
With no foreign transaction fees, and an easy way to split bills with your travel buddies, you’re all set to go.
See exchange rates in the app
Understand exactly what you’re spending with real-time exchange rates.
Free yourself from fees
Pay anywhere in any currency with no foreign transaction fees. We pass on Mastercard's exchange rate.
Free ATM withdrawals up to €300
Withdraw cash for free up to 3 times every 30 days, wherever you are in the world. After that, there’s a €3 cash withdrawal fee.
Split bills in just a few taps
Put the calculator down and split bills in the app – whether your friends are on Monzo or not.
Grow your spending money before you go
Earn 2,50 % AER (2,47 % NIR) on your travel funds with an Instant Access Savings Pot.
You can lock or hide it so you're not tempted to spend your croissant cash on takeaways. Boost your savings by automatically rounding up your spare change and adding it to the Pot.
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Track and split shared costs
Log how much everyone spends on a trip and settle up when you’re ready with a Running Split.
No more complicated maths or remembering who paid for what. We’ll do the hard work so you can get back to looking at your holiday snaps.
Smart protection for your money at home and abroad
Keep your money safe with fraud protection and 24/7 support for urgent matters.
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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.
Questions? Answers.
Are there any fees when using Monzo abroad?
You can pay anywhere in any currency using your Monzo card, fee-free. We pass Mastercard’s exchange rate directly on to you, and you can also make free cash withdrawals up to a certain limit (see below).
What is the European Economic Area?
The European Economic Area (EEA) includes EU countries and also Iceland, Liechtenstein and Norway.
Do I need to let Monzo know when I’m travelling abroad?
You don't need to let us know when you are travelling! But, if your Monzo card is lost or stolen while travelling, immediately freeze your card and contact our customer support team for assistance (you can do both through the Monzo app).
What is the Monzo cash withdrawal limit when using my card abroad?
You can make fee-free cash withdrawals up to €300 just like you can at home if you’re in the European Economic Area (EEA). After this, it’s €3 per withdrawal. If you’re outside the EEA, you will likely need to pay fees on cash withdrawals. The EEA includes EU countries and also Iceland, Liechtenstein and Norway.
The 30-day period for allowances resets exactly 30 days after your first withdrawal, rather than at the start of a new month. Your allowances are shared across any accounts you have. So if you have a joint account, your allowance is split across that account and your personal account. For example, if you take out €250 on the 2nd of the month and €50 on the 5th, your allowance would reset on the 2nd and 5th day of the next month. If you made a third withdrawal before those dates, then we'd charge the withdrawal fee.
Just be aware that some ATMs will charge you a fee for taking out cash (which we don’t receive), so we recommend using a free machine whenever you can.
What should I do if my Monzo card is lost or stolen while I’m travelling?
If your Monzo card is lost or stolen while you’re travelling, immediately freeze your card and contact our customer support team for assistance (you can do both through the Monzo app).