Monzo Current Accounts
A standard Monzo account is a full UK current account with no monthly fees. Open one for free from your mobile phone in minutes. We're fully authorised and regulated by the FCA, and your money with us is protected up to £85,000 by the FSCS.
A flexible overdraft, if you want it
If you’re eligible, you can switch on an overdraft in the app any time. Don’t want an arranged overdraft? No problem, you don’t have to have one.
Easy payments and transfers
Set up Direct Debits and standing orders in-app, and send money to any other UK bank account instantly.
Pay with Apple and Google Pay
Make payments on the go with Apple Pay or Google Pay.
An award-winning app, plus Mastercard debit card
Manage your spending, savings and bills through the Monzo app. Spend and withdraw money anywhere around the world that accepts Mastercard with a (very beautiful) hot coral debit card.
Human help, when you really need it
We don’t have any physical branches, but we've got answers to most of your questions and problems in the app – so you don’t have to wait for help.
You can also speak to real friendly humans over live chat through the Monzo app. We're here 24/7 for emergencies, and from 8am to 7pm for anything else.
Easy current account switching
With the Current Account Switch Service, you can move everything over to Monzo in 7 days without lifting a finger. We do everything for you, and you don’t need to deal with your old bank at all.