Pain-free payments
Split one-off and ongoing costs with friends. Pay bills. Spend abroad fee-free in any currency and send money internationally.
UK residents only. Ts&Cs apply.
Pay and get paid your way
Pay the way you’re used to – from bank transfers to direct debits and standing orders – and in new ways too. How you do it is completely up to you.
Secure payment links
Share your secure Monzo.me link for people to pay you, whether they have Monzo or not.
Connected contacts
Settle up with friends and family in a single tap. Add ‘Favourites’ and see a history of your activity together.
Personal QR codes
Pull up your personal QR code for people to scan and pay instantly, right there on the spot.
Send in 38 currencies
Get money to friends and family overseas. Send popular currencies like EUR, USD, INR and more directly from Monzo. You may need a Wise account for some currencies, Ts&Cs apply.
Made a mistake? Undo it.
Paid the wrong person or entered the wrong amount? Undo it right away.
The undo timer’s set to 15 seconds by default but you can change it to 10 seconds, 30 seconds or 60 seconds. Or, turn it off completely.
Split, track and chase
Get paid back for one-offs, or create Running Splits for ongoing costs. We’ll work out the maths and keep tabs on who owes what.
Safety firsts
Industry-first controls like known locations, secret QR code and trusted contacts check it’s really you before letting you make large payments. Call Status confirms you’re speaking to someone from Monzo in real time, helping customers report 700+ fraud attempts each month.
No fees overseas
No more fees
Open a Monzo account and pay anywhere fee-free, in any currency, with your debit or credit card. Mastercard’s exchange rate applies.
Free ATM withdrawals
Unlimited fee-free withdrawals in the European Economic Area (EEA), and up to £200 every 30 days anywhere else if you use Monzo as your main bank. After that we charge 3%.
We’ll do the maths
Understand exactly what you're spending by seeing real-time exchange rates when you spend abroad.
Your money, our priority
Over 12 million personal and business customers trust us with their money, with 24/7 support available if you ever need it.
Security at the door
We’ll check your face, fingerprint, or card PIN every time you open the app or make a payment.
Instant notifications
Keep track of your spending activity, so you know right away if someone’s got hold of your card.
Card freezing
Freeze your card in a few taps if it’s lost, stolen or you suspect fraud. Defrost it in the app if you find it again.
Daily payment limits
Putting a cap on the amount you can spend in a day stops scammers from draining your account.
24/7 help, if you need it
If something does go wrong, we're here to help any time of day or night.
FSCS protected
We're authorised and regulated by the Financial Conduct Authority. We're also a member of the Financial Services Compensation Scheme (FSCS), so your eligible deposits are protected up to a value of £85,000 per person.
Open a free current account
Download the Monzo app on iOS or Android and join more than 12 million personal and business customers who've changed the way they bank.
