Help icon

Frequently Asked Questions

New to Monzo and got questions? Hopefully we can answer them below!

If you already have a Monzo card, the Help tab in your app is the best place to find answers and chat to our 24/7 customer support team.

Is Monzo a bank?

Yes, "Monzo Bank Ltd" is fully authorised in the UK by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.

Yes, "Monzo Bank Ltd" is fully authorised in the UK by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.

How do I get a Monzo account?

It's really easy! Just download the Monzo app on either iOS or Android, sign up in just a few minutes and you're done.

It's really easy! Just download the Monzo app on either iOS or Android, sign up in just a few minutes and you're done.

Is my money safe with Monzo?

Your money is fully protected by the Financial Services Compensation Scheme (FSCS), meaning that all your money up to £85,000 is guaranteed by the British Government.

Your money is fully protected by the Financial Services Compensation Scheme (FSCS), meaning that all your money up to £85,000 is guaranteed by the British Government.

Do I need to be a UK resident?

Yes, you currently need to be resident in the UK to get a Monzo card. We hope to launch internationally in the future though!

Yes, you currently need to be resident in the UK to get a Monzo card. We hope to launch internationally in the future though!

What age do I need to be?

Currently, you must be 16 or older to get a Monzo card. We're hoping to lower this in the future!

Currently, you must be 16 or older to get a Monzo card. We're hoping to lower this in the future!

What fees do you charge?

We don't charge any fees for using Monzo day-to-day. Payments in the UK, cash withdrawals in the UK and payments abroad are all free, with no added fees. If you're withdrawing cash abroad, you can withdraw up to £200/month for free, after which you'll be charged a 3% fee. You can still make payments in shops, restaurants and online for free though, even when abroad.

We don't charge any fees for using Monzo day-to-day. Payments in the UK, cash withdrawals in the UK and payments abroad are all free, with no added fees. If you're withdrawing cash abroad, you can withdraw up to £200/month for free, after which you'll be charged a 3% fee. You can still make payments in shops, restaurants and online for free though, even when abroad.

Do you offer joint accounts?

Unfortunately we don’t currently offer joint accounts however we'd love to in the future. You can always get your partner to download the app and get their own account as a temporary measure.

Unfortunately we don’t currently offer joint accounts however we'd love to in the future. You can always get your partner to download the app and get their own account as a temporary measure.

Do you support Apple and Google Pay?

Yes! We fully support both Apple Pay and Google Pay

Yes! We fully support both Apple Pay and Google Pay

Why can't I login to my Monzo account?

If already have an account with Monzo, you've tried logging into your app but have been asked to verify your phone number, you may have accidentally signed up for a new account.

If already have an account with Monzo, you've tried logging into your app but have been asked to verify your phone number, you may have accidentally signed up for a new account.

To fix this issue you'll need to delete and reinstall the app and log in from the beginning using the email address you originally signed up with 👍.

If you can't remember what email this is, search in your inbox for your original signup email from us.

How do I complain?

If you have a complaint the best way to contact us is via the in-app chat. We often get really useful critical feedback from customers, so please be clear that you're making a complaint when you get in touch. We wouldn't want to misunderstand the situation and not follow our full complaints process. You can also:

If you have a complaint the best way to contact us is via the in-app chat. We often get really useful critical feedback from customers, so please be clear that you're making a complaint when you get in touch. We wouldn't want to misunderstand the situation and not follow our full complaints process. You can also:

Email us at [email protected]
Call us on 0800 8021 456
Write to us at: Complaints, 230 City Road, London, EC1V 2QY
If you complain to us and you are not happy with the resolution you can refer your complaint to the Financial Ombudsman Service. For more details you can visit their website.

What do I do if someone's died?

Let us know at [email protected] and we'll do everything we can to help.

Let us know at [email protected] and we'll do everything we can to help.

If you're looking for our PS17/26, a document from the Financial Conduct Authority with information about our current account, you can
find it here.

Account type From the UK From abroad
Current account    0800 802 1281    +44 20 3872 0620

The number and email address above are only for customer support queries and we won't be able to help with other questions.

Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and become one of the hundreds of thousands of people using a better bank.

Download the Monzo app on iOS Download the Monzo app on Android