Security tools that put you in control
Keep your money safe with fraud protection and 24/7 support for urgent matters.
Security features
Smart protection for your money
Keep your money safe with built-in security features, 24/7 support for anything urgent and fraud prevention designed to help protect you.
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No account maintenance fees. 0% AER, 0% NIR. See a list of the main services associated with a payment account and Fees and Charges.
Ratings and customer figures shown relate to our UK customers. The App Store, Google Play Store and Trustpilot ratings are correct as of 15 October, 2026.
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Keep your identity protected
You can use biometrics every time you access the Monzo app on your phone. And the video selfie you take when you apply is to prevent impersonation.
Monzo’s customer support will never ask for your passcode or card number. Just like we’ll never ask you to make a bank transfer.
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No branches, no problem
Don’t stand in long queue lines to get the help you need. Head to the app to chat with a friendly human if something urgent comes up.
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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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Apply for an account in 15 minutes
We asked thousands of Spanish customers what they want from their bank. Then we built it. No account maintenance fees. 0% AER, 0% NIR.
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Step 1
Open a free Monzo account
It takes just 15 minutes to apply, and comes with innovative features to help you bring your financial world together in one place.
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Step 2
Fill out a few questions
We'll ask you some questions to help us set up your account, but there's no lengthy paperwork to fill in. In fact, it only takes a few minutes.
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Step 3
Add your Hot Coral card to your digital wallet
Once your account's open, you can start using your card straight away with your digital wallet.
FAQs
Is Monzo a safe bank?
Monzo Bank Europe DAC, Sucursal en España is registered with Banco de España and is a member of the Irish Deposit Guarantee Scheme, which protects your money up to €100,000 per customer.
Monzo also has built-in security features like instant transaction notifications, card freeze, biometric login (face or fingerprint), and extra checks for large payments.
How does Monzo protect my money?
Monzo has several security features built into the app:
- Instant notifications — know the second you spend, or if someone else tries to
- Card freeze — freeze your card with one tap if you can't find it, then unfreeze it if it turns up
- Biometric login — use your face or fingerprint to approve payments and unlock the app
- Extra checks for large payments — add up to three layers of protection, using known locations, a secret QR code, or trusted contacts to confirm it's really you
- Virtual cards — create disposable card details for safer online shopping, so you never share your main card number
- Fraud protection and 24/7 support for urgent matters
What happens if my card is lost or stolen?
Freeze your card right away:
1. Tap the Card button on your Home screen
2. Tap Freeze
Then order a new card:
1. Tap Card
2. Tap Order a new card
3. Follow the steps in the app
If your card was stolen, or you've seen transactions that don't look right, tap "I've been a victim of fraud or theft" when you order your replacement.
If you can't get into the app
- Use Monzo Web at web.monzo.com to freeze your card
- Email help@monzo.com
- Call (+34) 900 759 821 from Spain, or (+34) 911 679 247 from abroad
Will Monzo ever call me and ask for my password or card number?
No, Monzo's customer support will never ask for your passcode or card number. We'll never ask you to make a bank transfer, either.
If someone calls you saying they're from Monzo, you can check if it's really us in the app using Call Status. If the app doesn't say we're talking to you, hang up.
What should I do if I think I've been scammed?
1. Freeze your card right away — tap the card you made the payment from, tap the Card button, then tap Freeze card
2. Check your transactions for anything you don't recognise
3. Report the payment as potential fraud in the app — tap the Help icon, search "Reporting fraud," and follow the steps
If you can't get into the app
You can use Monzo Web to freeze your card, or call or email us and we'll help you from there.
How does Monzo verify my identity?
When you open a Monzo account, we'll ask you to:
1. Show a valid, in-date photo ID — the type depends on your nationality:
- Spanish nationals: DNI (Documento Nacional de Identidad — Spain's national identity card)
- EU, EEA (European Economic Area) or Swiss nationals (non-Spanish): national ID card from your country, or passport
- Nationals of other countries: TIE (Tarjeta de Identidad de Extranjero — foreigner identity card) or passport
2. Take a photo of your ID
3. Record a short selfie video saying "Hi, my name is [your name], and I want a Monzo Bank account"
How we use your video
We only use your video selfie to confirm your identity — nothing else. We store it securely on your account in case we need to check it's you again later, like if you forget your PIN.
We also use biometric login (your face or fingerprint) to keep your account secure day to day.