Business banking made easy

Choose a Business Lite account for free, or Business Pro for £5 a month

Banking that works around your business

Get ahead on your finances, so you can get back to running your business.

Tax Pots

Choose a percentage to automatically set aside for tax, every time you’re paid. No more worrying if you've remembered to set aside money every week, and no more shifting around between accounts to see where your money is. Available on Monzo Business Pro.

Get paid

We’ve taken every part of getting paid and put it in your Monzo Business account. Turn hours of admin into a few taps and give your customers simple new ways to pay, including in euros. Payment links available on Monzo Business Lite and Pro, invoices available on Pro.

Mobile and web access

Manage your account from your phone or computer with mobile and web access. Your account’s fully protected, and available wherever you are. Available on Monzo Business Pro and Monzo Business Lite.

Multi-user access

Manage finances with others by adding up to two people to access the account. Available with Monzo Business Pro for limited companies and sole traders.

Integrated accounting

Sync with Xero, FreeAgent, QuickBooks, or export your transactions and statements. Say goodbye to manually uploading statements – automatically share your balance and transactions. Available on Monzo Business Pro.

24/7 customer support

We're right here in the app, 24/7. No need to make an appointment or wonder when you'll hear back. Our award-winning team is here to help whenever you need. Available on Monzo Business Pro and Monzo Business Lite.

Put your spare money to work earning interest

Use Savings Pots to:

Put your spare money to work, earning 1.60% AER interest (variable) paid monthly with no minimum deposit and a maximum £100,000 balance (Ts&Cs apply)
Automatically set aside money for unplanned business expenses, a big purchase, or to reinvest in your business
Withdraw money instantly when you need it most

More about Savings Pots

Instant Access Savings landing page image

Loans and overdrafts for businesses:

Eligible sole traders can get an overdraft up to £2,000 or a loan up to £25,000. We can only offer you one loan and one overdraft across both your Personal and Business accounts.

We don't offer loans or overdrafts to limited companies.

Seeing if you're eligible won't leave a mark on your credit file. There are no lengthy forms to fill and no charges for paying us back early.

Our representative APR for loans is 14.8% for more than £10,000 up to £25,000. For loans up to £10,000 it’s 29.6%. For overdrafts our representative EAR/APR is 39.0% (variable). You can use the APR to compare the cost of different borrowing products.

A fully regulated UK bank

With a Monzo Business Account, you can:

Get a business debit card (for all users)
Move money easily with free, instant bank transfers (UK only)
Manage your Direct Debits in one place

I can spend more time doing the things I enjoy, which is why I started my business in the first place.

Matt Navarra

Social media consultant

Digital marketing Wales, UK

Monzo has made business banking so easy I can concentrate on building my brand.

Hellen Stirling-Baker

Founder, Small Stuff

Retail London, UK

How we compare with other banks

Features	Monzo	Barclays	HSBC	Santander	NatWest
Full UK current account with debit card
Instant UK bank transfers
Unlimited, fee-free UK bank transfers
100% mobile sign up
Mobile and web access
FSCS protection on eligible deposits
24/7 customer support
Fee-free spending abroad
Apple Pay/Google Pay
Multi-user access
Pots to separate money (and Tax Pots)
Instant notifications
Budgeting, categorised spend, digital receipts
Virtual Cards
Invoicing
Pay in cash and cheques
Integrated accounting
Exclusive offers (like 6 months free Xero)
Loans and overdrafts (including lending marketplace)
Outbound international payments
Inbound euro payments