
## **List of Most Representative Services Associated with a Payment Account**

| Service | Description |
| :---- | :---- |
| **Account maintenance** | Monzo maintains the current account so that the customer can use it. |
| **Issuance and maintenance of a debit card** | Monzo provides a payment card associated with the customer's current account. The amount of each card transaction is charged directly and in full to the customer's account. |
| **Issuance and maintenance of a credit card** | Monzo provides a payment card associated with the customer's account. The total amount corresponding to transactions made with the card during an agreed period of time is charged totally or partially to the customer's account on the agreed date. The credit agreement between Monzo and the customer determines whether interest applies to the amounts used. |
| **Unauthorised overdraft** | Monzo makes funds available to the customer that exceed the available balance in their account without a prior agreement between Monzo and the customer. |
| **Transfers** | Following instructions from the customer, Monzo transfers funds from the customer's account to another account. |
| **Standing order** | Following instructions from the customer, Monzo periodically carries out transfers of a specified amount from the customer's account to another account. |
| **Cash withdrawal with debit card at ATMs** | The customer withdraws cash from their account through an ATM of another entity, using a card, against the available balance. |
| **Cash withdrawal with credit card at ATMs** | The customer withdraws cash through an ATM, using a card, when funds are covered by a line of credit opened for the customer and regardless of the available balance in the account. |
| **Alert service (App, email, or similar)** | Monzo sends information about transactions made in the customer's account via the Monzo app, email, or other similar technology. |


Sorry, this QR code link has expired or is invalid. You can request a new one through the Added Security section in the app.

Please activate your Secret QR Code in the Monzo app

Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: {{ company_address }}. Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland.

Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details. Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo's failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage. © 2025 Monzo, Inc. All rights reserved.

https://webviews.monzo.com/usa/privacy-notice

https://monzo.com/legal/terms-and-conditions/

https://webviews.monzo.com/usa/lead-bank-terms-of-service

What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing.

The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long.

These cookies allow optional features to work, but don't track you or your behaviour.

The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you.

This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?

A full list of the cookies we use across Monzo’s websites.

Our cookie list is being updated. In the meantime, you can manage your cookie preferences on our <link>cookie notice</link> page.

These are the cookies we use across Monzo’s websites. To choose which ones we can use, visit our <link>cookie notice</link>.

Nuestra declaración de privacidad y política de cookies, juntas en una página.

All of our relevant privacy and cookie notices together on one page.

Declaración de privacidad y política de cookies

No account maintenance fees. No strings attached*.

Join {{ number_of_customers }} million customers in the UK

You need the free Monzo app to sign up for and use your bank account.

Log in using the email address you gave us:

See list of the main services associated with a payment account and Fees and Charges

By continuing, you confirm you have read Monzo’s 

You need a personal account to have a joint or an Under 18s account

You need a personal account to have a joint or an Under 16s account

so we can confirm who you are. Once you have it, you don't have to use it if you don't want to.

Choose the option that best describes your business

There was an unknown error submitting your details. Try again later.

This link is missing its code. Please use the original link.

Secure your spot, sign up now for a Monzo personal bank account and get €25 when you make your first card payment

Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card. [Ts&Cs and eligibility criteria apply.]({{ terms_url }})

Only the first 1000 people to sign up through this page can skip the queue. The €25 is limited to the first 20,000 people to spend on their card.

Only the first 1000 people to sign through this page can skip the queue. The €25 is limited to the first 20,000 people to spend on their card.

You've been invited to the early access waitlist for Monzo in Spain 🇪🇸

Be one of the first to try Monzo in Spain and earn €25 when you first pay with your card.

You've been invited to the early access waitlist for Monzo in Spain

An email's on its way. Open it up and secure a spot.

[Terms and conditions]({{ terms_url }}) and [eligibility criteria]({{ eligibility_url }}) apply. We secure your data in
line with our [privacy notice]({{ privacy_notice_url }}).

Your data will be processed as part of our [privacy notice]({{ privacy_notice_url }}). By signing up to our waitlist you're giving us permission to contact you about products and services in your location, and how you can be involved.

By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them.

Or head to the app store and  search for ‘Monzo’.

Or head to the app store and search for \u2018Monzo\u2019.

Download the Monzo app to find out your position and generally just take a look around.

Something went wrong. Please try again later.

You signed up to the waitlist a some time ago, and this email confirmation link has gone stale. We've sent you a new one to your email inbox. Go confirm your email whilst it's fresh to help keep your new account secure, the link will expire in 2 weeks.

Tap ‘I’m new to Monzo’ on the first screen

Tap \u2018I\u2019m new to Monzo\u2019 on the first screen

Head over to the app to unlock exclusive perks and content to get you set up with Monzo.

We love that you love Monzo! You'll be the first to know when we arrive.

This link is missing its source or has an invalid source. Please use the original link.

Forbes has bumped you to the front of the queue! Sign up now and get €25 with a Personal Account or €50 with a Business Account (or both).

Only the first 500 people to sign up through this page can skip the queue. This offer is limited to the first 20,000 Personal Accounts and the first 1,000 Business Accounts to spend on their card.

[Terms and conditions]({{ terms_url }}) apply. We secure your data in line with our [privacy notice]({{ privacy_notice_url }}).

It looks like you already have an account

Unfortunately, you can only have a Monzo account in one country at a time, and you'll need to close your existing account first. Once you've closed your existing account, you can sign up to the waitlist again.

We secure your data in line with our [privacy notice]({{privacy_notice_url}}). 
By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them.

We secure your data in line with our [privacy notice](/ie/legal/privacy-notice/). 
By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them.

Be one of the first people to have Monzo in {{ region_name }} and help us shape the experience together.

Be one of the first to try Monzo in Spain. Join the waitlist, refer friends to move up the queue, and earn rewards if you're among the first customers to start spending.

Get €25 when you're one of the first 20,000 to pay with your new Monzo card on a personal account. Get another €50 if you're one of the first 1,000 businesses or sole traders to spend on your business banking card. [Offer Terms.]({{ promo_terms_url }})

Get your name on the list {{ region_flag }}

Someone referred you to the early access waitlist for Monzo in {{ region_name }} {{ region_flag }}

We won't contact you about Monzo waitlist anymore.

It could be an issue with the link or the person who sent it to you. Ask them to resend it so you can try again. You can join the waitlist without their referral but neither of you will get bumped up the list.

Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland.

This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.

Monzo Bank Europe DAC, Sucursal en España registered with Banco de España is a member of the Irish Deposit Guarantee Scheme. The scheme guarantees deposits up to 100,000 euros per customer at Monzo.

Monzo is a member of the Irish Deposit Guarantee Scheme. For money deposits the maximum guaranteed amount is 100,000 euros per account holder and entity.

Sorry, we don't have any articles for this category.

The number above is only for customer support queries and we won't be able to help with other questions. We're free to call, but if you're calling from abroad, please be aware that you may be charged by your phone provider.

a document from the Financial Conduct Authority, see

Information about our Personal Current Account Services

European Commission's frequently asked questions

If you're looking for information about the Payment Services Directive, see the

leaflet published by the European Commission

If you're looking for information on your rights when making payments in Europe, you can find it in this

a group of speech bubbles with random icons, surrounded by stars.

The home for everything you need to know about using Monzo.

We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about <Link>our cookie policy</Link>.

We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the <Link>Monzo cookie policy</Link>.

Join over {{ customerCount }} million personal and business customers in the UK already banking with Monzo.

Join over {{ customerCount }} personal and business customers in the UK already banking with Monzo.

Sorry, we can't find the page you're looking for

Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future.

Enter your monthly take-home target to see your estimate.

You'd need to invoice {{ invoice }} a month to take home {{ takeHome }}. Monthly cuota {{ cuota }}, income tax {{ tax }}.

After tarifa plana, you'd need to invoice

Save {{ amount }} a month in cuota for your first year

Reasonable cover without stretching your budget now.

Higher cuota. More cover for sick pay, pension and other benefits.

Lower cuota. Less cover for sick pay, pension and other benefits.

Your cuota goes into Social Security. It covers your pension, sick pay, and parental leave — amongst other things.

Your final amounts will vary. This is a rough guide.

Type an exact amount or drag the slider to explore.

How much do you want to bring home each month?

Enter an amount between {{ min }} and {{ max }}

Based on your answers, you may qualify for tarifa plana, reducing your cuota to around 88,64 € a month in your first year. That’s an €80 baseline plus 0,9% MEI on the minimum contribution base.

To keep it, you'll need to stay registered and keep your Social Security payments up to date.

This is an approximate figure to help you plan. Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive. We use standard assumptions to estimate IRPF and don’t account for regional rules, personal circumstances, or other deductible expenses.

Everyone gets a tax-free personal allowance around {{ allowance }} a year for a single person with no dependents. We take that off before working out what you owe, which is why an estimate below it can show {{ zero }}.

We work from your net profit: what you invoice, minus expenses. We’ve assumed the standard 5% deduction Hacienda allows without receipts, capped at {{ cap }} a year. If you’ve got more business expenses to claim (like office rent, tools, professional services, or travel) your real tax bill may be lower than this.

Some autónomos have IRPF withheld from their invoices, and others make tax payments during the year. We don't model these payments separately because they're advance payments towards your eventual IRPF bill, rather than additional tax.

This estimate isn’t designed for residents of the Basque Country or Navarra, where different personal income tax rules apply.

This means the amount that actually reaches your account from an invoice will likely differ from the figures shown here. This is general guidance. For the exact figure, check with your gestor when you file.

We estimated this from your projected income and the contribution level you chose.

Includes: Pension, disability pension, temporary disability/sick pay, caregiver leave.

Mecanismo de Equidad Intergeneracional — MEI (approx. 0,9%)

Contingencias profesionales (approx. 1,3%)

New autónomos may qualify for the tarifa plana, which reduces the cuota payment for the first year.

Cuota is your monthly autónomo contribution to Social Security. See more information about your cuota in the 'Select your contribution' section below.

I'm currently autónomo, past tarifa plana

I stopped being autónomo over 2 years ago

I stopped being autónomo within the last 2 years

Please choose a currency to see our exchange rate.

Monzo mark-up over Mastercard rate

Total mark-up over European Central Bank rate

To play this video, we need your consent to use Advertising and Analytics cookies.

We're working to get things back up. Please reload the page or try again in a little while.

YouTube video. Navigate inside the frame to find the video player then press Space to play.

YouTube video. Video title: {{ videoName }}. Navigate inside the frame to find the video player then press Space to play.

You're on the {{pageRegion}} website.

You're on the <flag>{{flag}}</flag> {{pageRegion}} website.

Confirm Selected Country (page will navigate after selecting a country)

Choose a country/region. The current selection is {{regionName}}

We offer tailored accounts depending on your country of residence.

We're very sorry, but something went wrong and we weren't able to unsubscribe you from our emails.

Please get in touch with support and we'll help you out. You can reach us at <email_link>help@monzo.com</email_link>.

To update your email preferences, open the Monzo app and go to your settings, or select 'unsubscribe' on a more recent email from us.

We've unsubscribed you. We'll stop sending you emails, except for specific service messages related to your account.

We'll stop sending you emails, except for specific service messages related to your account.

Service	Description
Account maintenance	Monzo maintains the current account so that the customer can use it.
Issuance and maintenance of a debit card	Monzo provides a payment card associated with the customer's current account. The amount of each card transaction is charged directly and in full to the customer's account.
Issuance and maintenance of a credit card	Monzo provides a payment card associated with the customer's account. The total amount corresponding to transactions made with the card during an agreed period of time is charged totally or partially to the customer's account on the agreed date. The credit agreement between Monzo and the customer determines whether interest applies to the amounts used.
Unauthorised overdraft	Monzo makes funds available to the customer that exceed the available balance in their account without a prior agreement between Monzo and the customer.
Transfers	Following instructions from the customer, Monzo transfers funds from the customer's account to another account.
Standing order	Following instructions from the customer, Monzo periodically carries out transfers of a specified amount from the customer's account to another account.
Cash withdrawal with debit card at ATMs	The customer withdraws cash from their account through an ATM of another entity, using a card, against the available balance.
Cash withdrawal with credit card at ATMs	The customer withdraws cash through an ATM, using a card, when funds are covered by a line of credit opened for the customer and regardless of the available balance in the account.
Alert service (App, email, or similar)	Monzo sends information about transactions made in the customer's account via the Monzo app, email, or other similar technology.