Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 730427.

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

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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.

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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 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.

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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

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