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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.

Pay money into your Monzo Current Account by cash and cheque

Pay in a cheque using freepost or tracked postage.
Step by step guide here

Pay cash into your Monzo account at one of 28,000 PayPoint locations across the UK.
Monzo & Paypoint

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.

Open a Monzo account in minutes

And join the 4 million people who’ve already changed the way they bank.