Ireland, we're open for business
With a free business bank account that makes life easier for you and your customers. Apply in minutes.
Only sole traders or limited companies in Ireland are eligible. Account Ts&Cs apply.
Business banking feels better with Monzo
It’s hard coming up with a business idea, let alone wading through the admin. Whether you’re a start-up or scale-up, Monzo takes the hassle out of growing your business.
We’re a fully regulated bank and here for the long run. Be one of our first customers in Ireland and find out why over 1 million businesses in the UK already use Monzo.
Apply in minutes
We’ll only ask the questions we need to find out more about you and your business.
A bank built for Ireland
We’re fully regulated by the Central Bank of Ireland, and eligible deposits are protected up to €100,000 by the Deposit Guarantee Scheme.
24/7 human support
Speak to a real human 24/7 if something urgent comes up. We're available through in-app chat when you need us. Or, you can can call or email us if you’d prefer.
Earn up to 1.45% AER* (variable) on Instant Access Savings
Grow your money without locking it away with an Instant Access pot. Earn from 1.15% to 1.45% AER* interest (variable) on your money, paid monthly, depending on your subscription plan. *AER (Annual Equivalent Rate), interest is subject to Deposit Interest Retention Tax (DIRT).
Different plans to suit your... plans
Get our free Lite plan as standard or upgrade to Pro or Team.
Lite (free)
When we say free, we really mean it. Lite has no hidden fees or charges, just the tools you need to understand and run your business better.
Pro
Pro lets you create invoices, put money aside for tax and connect to accounting software for €7 a month.
Team
Manage your team and set limits on expense spending with Team from €20 a month.
Any way they want to pay
With all of our plans, your customers have full flexibility when it comes to paying, including, bank transfer, contactless payments, payments links and QR codes.
See your money more clearly
Get an overview of your business’ money or zoom right into the detail with Trends. See how much you’re being paid and how much you’re spending over time periods that matter to you.
Avoid (nasty) surprises with Tax Pots
Stay on top of your taxes by automatically setting the right percentage of your income aside into Tax Pots. That way you can concentrate on other things until autumn comes around.
Tax Pots are available with Pro or Team from €7 a month.
On your phone, or on the big screen
Bank on the move with everything you need in the Monzo app. Or on the big screen with our web app. It’s a light-mode version of online business banking that helps you tick off the essentials.
Connected and protected around the clock
You don’t switch off so why should we? We’re there to chat whenever you need – either straight from the app or over the phone.
Humans on hand
Speak to a real-life human if something urgent comes up. We're available through in-app chat when you need us.
Your money protected
We’re fully regulated by the Central Bank of Ireland, and your money is protected up to €100,000 by the Deposit Guarantee Scheme.
A bank built for Ireland
With local IBANs, Monzo's in Ireland for the long run.
Security you can bank on
With industry-first fraud protection and real human support, your money isn’t going anywhere you don’t want it to.
Three small steps, one giant leap for your business
If you’re looking for a better way to do business, apply for a Monzo Business account.
1. Start your application
Apply online in minutes.
2. Download the Monzo App
Complete your application in the Monzo app.
3. Pick the plan for you.
You’ll get a choice between our Free Lite account, Pro for €7 a month or Team from €20 a month.
Join over 1 million businesses in the UK
In the UK, Monzo is trusted by over 1 million businesses, now Monzo is launching in Ireland. Apply in minutes.
Questions? Answers.
How much does Monzo Business cost?
Our Lite plan is always free. Pro is €7 a month and Team starts from €20 a month.
We won’t charge for transfers in the Eurozone. And to accept card payments we won’t charge our own fee, we will only pass on Stripe’s fee of 1.5% + €0.25 for each payment.
Is Monzo Business available to sole traders and freelancers?
Yep. All our Monzo Business Accounts will be available to eligible sole traders, freelancers and limited companies.
Can I lodge cash into the account?
Not right now but we know this is important to businesses so we’re working on it.
Can I take out a business loan?
We don't offer business loans right now, no. We’ve been focusing on cashflow and automating saving for Tax but we know that borrowing’s important to businesses and want to make loans available one day. Watch this space!
Does Monzo Business offer savings?
We do. Grow your money without locking it away with an Instant Access pot. Get a great rate with no strings attached. Earn 1.0% AER (Annual Equivalent Rate) variable interest on your savings, paid monthly and subject to DIRT (Deposit Interest Retention Tax).
Is Monzo a real bank?
Yes! We're a regulated Irish bank with an office in Dublin, an Irish banking licence, local Irish IBANs. We're authorised and regulated by the Central Bank of Ireland and part of the Deposit Guarantee Scheme, which means your eligible deposits are protected up to €100k.
We’re new to Ireland but we have over 1 million business customers in the UK.
Is Monzo safe?
Yes, we're a licensed bank that's authorised and regulated by the Central Bank of Ireland and part of the Deposit Guarantee Scheme (DGS). The Deposit Guarantee Scheme (DGS) is designed to repay eligible deposits up to €100,000 per depositor, per credit institution if an authorised bank, building society or credit union fails.
You might like to know that we have an office in Dublin and although we're new to Ireland, we have 14 million customers in the UK already.
Our industry-first security controls for large payments – like trusted contacts, QR code scanning and known locations – are just a few ways we’re protecting you and your money. Plus things you might already be familiar with, like card freezing if your card gets lost or stolen, and fingerprint or facial recognition to approve online shopping and getting into your Monzo app.
Does Monzo Business have online banking?
We do. You can access your business account in the mobile app and on your laptop or computer using our web app.
How is Monzo Business different?
A Monzo Business Account makes life easier for you and your customers.
We don’t offer loans or support funding programmes right now but instead we’re focusing on what matters to you day to day. Like giving you genuinely helpful cashflow insights, automated tax saving tools, simplified ways to manage your money (and run your business!) and maybe most important of all, a variety of ways to get paid in person or online.
It’s business banking that’s there when you need it and not just when we’re open.
How do I contact Monzo?
Speak to a real-life human if something urgent comes up. We're available through in-app chat when you need us.