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.

£ 5per month
3 month minimum • Must be over 18

Get full financial visibility

Add your other bank accounts and credit cards so they're visible in the Monzo app.

See your balances and transactions, 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.

Features

  • 1.00% AER/Gross (variable)

    Earn interest on up to £2,000 in your account balance and regular Pots (not including Savings Pots).

  • Custom spending categories

    Personalise your spending breakdown by creating your own spending categories.

  • £400 fee-free withdrawals abroad

    Take out up to £400 cash abroad for free every 30 days. That's double the amount you can withdraw for free with our regular Monzo account.

  • Advanced roundups

    Automatically put 2, 5 or 10 times as much spare change into savings every time you spend.

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

Treat yourself

  • Patch: 15% off all plant and plant pot orders over £50

  • Hello Fresh: £15 off each of your first 4 recipe boxes when you sign up

  • Naked Wines: Over 50% off 6 bottles of wine when you sign up

  • Babylon Health: 20% off an annual virtual GP subscription and free access to COVID-19 Care Assistant

  • Fiit: 25% off a home workout membership.

  • Busuu: 50% off a Premium or Premium Plus plan of language lessons

Conditions apply.

Packed with the best of Monzo

A UK current account

We're a fully licensed UK bank, which means we're regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Protection for your money

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.

A new way to bank

With features like instant spending notifications, simple ways to send money, Pots for separating it and monthly spending summaries.

Friendly support

Got a problem? We're here to help. Just message us in the app.

Loans and overdrafts

We offer loans up to £3,000 and overdrafts up to £500. You can check if you're eligible without affecting your credit score.

Interest on your savings

Earn up to 0.74% AER/Gross (fixed) interest on your savings with a 12-month Fixed Pot and a £500 minimum deposit to open. Your money with the savings provider is protected by the FSCS for amounts up to £85,000.

Pick an account

We're making money work for everyone, so we have different accounts for different needs.

Monzo

Free

  • A UK current account

    With savings, borrowing and overdrafts

  • Your money is protected by the FSCS

    Your eligible deposits are protected by the FSCS up to a value of £85,000 per person

  • Fee-free UK bank transfers

    Send money to any UK bank for free

  • Pots for separating money

    Put money aside from your balance

  • Award-winning support

    Through the app, if you need it

  • Instant notifications

    See when, where and how you spend

  • Apple Pay and Google Pay

    Spend using your phone

  • Spending categories

    Get a clear view of your spending

No minimum term

Monzo Plus

£5 per month

  • All free Monzo features

  • Other accounts, in Monzo

    See your other accounts in Monzo

  • 1.00% AER/Gross (variable) interest up to £2,000

    On your balance and regular Pots

  • Holographic card

    Exclusive to Monzo Plus

  • Custom categories

    Plus, divide payments into multiple categories.

  • Virtual cards

    Avoid using your physical card online

  • Advanced roundups

    Make your spare change go further

  • Credit Tracker

    See how your credit score changes

  • Offers

    15% off Patch and many more

  • Fee-free withdrawals abroad

    Up to £400 free every 30 days

  • Auto-export transaction

    Live updates to Google Sheets

  • 1 free cash deposit a month

    At PayPoints across the UK

3 month minimum

Not sure what to pick?

Compare each account to find the right one for you