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Will Monzo affect my credit score?

Signing up for a Monzo account does not involve signing up for any credit or loan products - so we do not pull your credit score, and have no impact on your credit history.

At this time, we do not offer any credit or loan products - but if we do in the future, we will make it very clear if they when something will have an impact on your credit score.

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This website is operated by Monzo Inc. Monzo reserves the right to restrict or revoke any and all offers at any time. The Monzo mobile banking app facilitates access to banking services through Sutton Bank, Member FDIC. The Monzo Mastercard Debit Card is issued by Sutton Bank, pursuant to a license from Mastercard International Incorporated. Monzo accounts are FDIC insured up to $250,000 per ownership category, should the bank holding your funds fail. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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