The free bank account that fits your finances
Earn 1.6% AER (variable) with Instant Access Savings. And with no hidden fees or monthly charges get total visibility on your money with a free personal bank account.
AER (Annual Equivalent Rate), interest is subject to DIRT (Deposit Interest Retention Tax). Ts&Cs apply.
A Monzo bank account means...
Modern banking, in your pocket. No branch queues, no hidden charges, no complicated bank terms. Just innovative features that make managing your money feel like a breath of fresh air.
1.6% interest. Interested?
Grow your money without locking it away. Earn a great interest rate on your savings, available with a free Monzo current account.
Smarter ways to manage money
From Pots that separate your money to roundups that turn spare change into savings, our money management features make budgeting that bit easier.
No hidden fees. No messing.
We don't do monthly fees or charge for spending abroad. And we’ll always break down any costs in euros and cents.
A bank built for Ireland
Your free Monzo account has a local Irish IBAN and we’re regulated by the Central Bank of Ireland.
Humans on hand
We’re here to hear from you whenever you need, with in-app support from real humans if anything urgent comes up.
Security you can bank on
We help keep your money safe with industry-first security features and human support for when something urgent comes up.
Spending insights you’ll actually use
Instant notifications tell you how much you’ve spent and where, so you’re in the know wherever you go.
Spending categories sort your payments, giving you a crystal clear overview of what you’re spending on.
Track your spending with Trends so you can see exactly where your money’s going.
Fee-free Instant Access Savings
Save like never before with 1.6% AER interest (variable), with interest paid monthly. And with instant access, you can dip in whenever you want without paying a cent.
AER (Annual Equivalent Rate), interest is subject to DIRT (Deposit Interest Retention Tax). Ts&Cs apply.
Help from real humans
Our friendly customer support team is available to chat in the Monzo app or over the phone if anything urgent comes up.
Your Monzo account, on holiday
No more fees
Spend on your card on holidays just like you would at home. Say slán to additional fees or hidden charges.
Free ATM withdrawals up to €300
Withdraw €300 without fees every 30 rolling days. After that it’s 2.5% with a €1 minimum fee.
We do the maths (on exchange rates)
Understand exactly what you're spending by seeing real-time exchange rates when you spend abroad.
Industry-first tech built to protect
We’re stopping scammers in their tracks with innovative security controls. Use known locations, a secret QR code or trusted contacts to confirm it’s you making large payments.
Our Call Status feature tells you if you’re speaking to Monzo in real time. In the UK, it helps customers report over 800 fraud attempts each month.
Join the waitlist for the chance to get early access and €25
1. Join the waitlist
Sign up in a couple of minutes. Download the app to see your position on the list, and how to jump ahead.
2. Secure an invite
If an invite arrives in your inbox, you can then sign up to an early version of the app.
3. Get €25 into your account
Early users get €25 when they activate their card. It’s to say thanks for helping to shape Monzo.
Join the waitlist
14 million personal and business customers in the UK already bank with Monzo – now it’s Ireland’s turn. Join the waitlist now for the chance to get early access.
