Put money in your hands
Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.
Get full financial visibility
Add your other bank accounts and credit cards so they're visible in the Monzo app, then categorise transactions like you do with your Monzo account.
See your balances and transaction history for up to 3 years, and move money around with easy bank transfers.
Stay safe online with virtual cards
We're all shopping online more, so it's important to be extra careful. Keep your physical card details safe by using virtual cards for online payments.
Protect your physical card
Use your virtual cards’ unique details online instead of the ones on your physical card.
Manage online subscriptions
Avoid updating your payment details everywhere because your physical card got lost or stolen.
Have up to 5 at any time
Personalise your cards by giving them names and picking from a range of colours.
Understand your spending better
Create custom categories to group your spending in ways that work for you and your lifestyle.
Divide single transactions into multiple categories to group your spending, your way.
Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.
1.00% AER/Gross (variable)
Custom spending categories
£400 fee-free withdrawals abroad
Track your credit health
See your credit score in the app and how it changes each month.
With helpful guides on how credit scores work and tips for improving yours.
Powered by TransUnion
RAC Breakdown Cover: Cover from £4.75 a month including free Legal Care Plus. Terms apply.
Freetrade: Get 3 free shares, each worth between £3 and £200 when you sign up to Freetrade as a new customer and deposit at least £2
Laka: 10% off cycle insurance every month for a year for new Laka customers
Beer Hawk: 5 craft beers and a glass for £10, plus £10 off your next order
Patch: 15% off all plant and plant pot orders over £50. Learn more.
Naked Wines: Over 50% off 6 bottles of wine when you sign up. Learn more.
Babylon Health: 20% off an annual virtual GP subscription and free access to COVID-19 Care Assistant
Fiit: 25% off a home workout membership. Learn more.
And more. See them all in the app. Conditions apply.
Packed with the best of Monzo
A UK current account
Protection for your money
A new way to bank
Loans and overdrafts
Interest on your savings
Pick an account
We're making money work for everyone, so we have different accounts for different needs.
With savings, borrowing and overdrafts
Your eligible deposits are protected by the FSCS up to a value of £85,000 per person
Send money to any UK bank for free
Put money aside from your balance
Through the app, if you need it
See when, where and how you spend
Spend using your phone
Get a clear view of your spending
See your other accounts in Monzo
On your balance and regular Pots
Exclusive to Monzo Plus
Plus, divide payments into multiple categories.
Avoid using your physical card online
Make your spare change go further
See how your credit score changes
15% off Patch and many more
Up to £400 free every 30 days
Live updates to Google Sheets
At PayPoints across the UK
Exclusive to Monzo Premium
Covers loss, damage, theft, and cracks
Cover for you and your family
1.50%/1.49% AER/Gross on up to £2,000
You and guests can travel in style
Up to £600 every 30 days
At PayPoints across the UK
Not sure what to pick?
Compare each account to find the right one for you