First things first
You’ll need to get your salary paid into your Monzo personal or joint account (via Bacs or Faster Payments) to be in with a chance. See what we define as a salary in the Ts&Cs.
Payday
Payday, the Monzo way
The best day of the month just got even better. Get paid one business day early and be in with a chance of doubling your salary when you get paid into Monzo.
Monzo current account required. UK residents aged 16+ (18+ for Double Payday). Ts&Cs apply.
The App Store, Google Play Store and Trustpilot ratings are correct as of 10 August 2026
Payday with even more potential
It pays to get paid into Monzo. Get your salary early, sort it automatically, and even be in with a chance of doubling it.
Automate your money moves
Neatly sort your money between spending, bills and savings with Salary Sorter – so there’s no need to worry about accidentally spending the rent. We’ll remember your preferred sort for next time.
With FSCS protection
Over 16 million people trust Monzo with their banking.
We're a member of the Financial Services Compensation Scheme (FSCS), so your eligible deposits are protected up to a value of £120,000 per person.
Instant alerts, biometrics and fraud checks help keep your salary safe. Plus our extra security controls give you another layer of protection when making transfers and withdrawals.
Get paid early
Why wait? Get your salary or student loan paid into your Monzo account by Bacs and you can get it from 4pm one business day early. We’ll send you a notification when your money is waiting for you.
Double Payday
We double 10 customers’ salaries every month. Here’s how it works:
Move your salary to Monzo
Ask your employer – or whoever you receive a salary from – to use your Monzo personal account details for your next payment.
10 lucky customers every month
Weekly and monthly salaries between £300-£20,000 count, and eligibility is based on previous month’s salary. Winning payments are capped at £10,000.
Your salary times two, sent straight to you
It works like this: if your take-home pay is £500, we'll add an extra £500 to your account. It’s yours to spend, save, or invest, and you won’t pay tax on your winnings.
Salary Sorter
Neatly sort your money between spending, bills and savings, without leaving your Monzo account.
Ready to get started?
Join over 16 million others who bank with Monzo
Step 1
Open a free Monzo account
It takes just minutes to apply, and comes with innovative features to help you manage your money.
Step 2
Get your salary paid in
You can add your salary when you sign up. Or you can switch fully to Monzo using the Current Account Switch Service.
Step 3
Make the most of payday
Look out for prompts in the app to get paid early and automatically sort your salary
Questions? Answers.
How do I move my salary to Monzo?
Share your Monzo account details with your employer or send them our ready-made email (which you’ll find via Double Payday in the app).
You can also use the Current Account Switch Service to fully switch to Monzo and close your old account.
How do I get paid early?
Once you’ve moved your salary to Monzo, you’ll be able to get your money from 4pm one business day early as long as you’re paid by Bacs.
We'll send you a notification when your money is waiting for you, and you can tap through and access your money. Enjoy what you’ve earned without the wait!
Can I only get paid early if I’m paid by Bacs?
Yes. You’ll need to get paid into your Monzo account by Bacs to get your money early.
Do I need to fully switch bank accounts to get paid early?
No. As long as you get paid into your Monzo account by Bacs, you’ll be able to get paid early.
What is Monzo Double Payday and how do I enter?
The best day of the month just got even better! We could double your salary payment if you get paid into your Monzo account. There are 10 lucky customers every month. UK residents aged 18+.
Weekly and monthly salary payments between £300 and £20,000 count, and winning payments are capped at £10,000. You’ll need to be paid into your Monzo personal or joint account via Bacs (Bankers’ Automated Clearing Services) or FPS (Faster Payments System) – check with your employer if you’re unsure.
One eligible salary payment per customer will qualify for the following month’s draw. You’ll automatically be entered but you can opt out if you wish. See the Double Payday Ts&Cs for full details.
What counts as an eligible salary for Double Payday?
You’ll need to receive an eligible salary payment of between £300 and £20,000 a month, paid via Bacs or Faster Payment System, into your Monzo personal or joint account. An eligible salary payment for the purposes of Double Payday is a:
salary payment paid to you by a business, employer or payroll provider; or
student finance payment from Student Loans Company, Student Finance England, Student Awards Agency Scotland, Student Finance Wales or Student Finance NI.
We’ve capped winning payments at a maximum of £10,000. See the Double Payday Ts&Cs for full details.
Will I pay tax on the extra money if I win Double Payday?
No, you won't pay tax on it – it’s yours to spend, save, or invest.
Time to go full Monzo
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
It all starts with a Hot Coral card
Personal account
Our signature Hot Coral current account that fits your finances.
UK residents. Ts&Cs apply.
Joint account
A shared bank account that helps you manage joint costs.
You'll both need a Monzo current account. Aged 18+. UK residents. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.
Ages 6-15. 18+ parent/guardian account needed first. UK residents. Ts&Cs apply.
Extra
£3 a month
Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories.
Age 18+. UK residents. Ts&Cs apply.
Perks
£9 a month
Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat.
Age 18+. UK residents. Ts&Cs apply.
Max
From £19 a month
Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more.
Ages 18-69. 3-month minimum term. UK residents. Ts&Cs apply.
Flex credit card
A credit card with Monzo magic, Section 75 protection and a representative 29% APR (variable).
18+. UK residents. Eligibility criteria & Ts&Cs apply. Missed payments may negatively impact credit scores.
Business account
An account packed with everything you need to make life easier for you and your customers.
Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.