The free bank account that fits your finances
Get total visibility on your money with a free personal bank account. And earn 1.8% AER (variable) with Instant Access Savings. No monthly fees.
AER (Annual Equivalent Rate) variable. Interest earned is subject to Deposit Interest Retention Tax (DIRT). You need a Monzo Current Account. 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.
Interest on your savings
Earn 1.8% AER (variable) paid monthly with free Instant Access Savings. There’s no minimum deposit, and you can access your money anytime.
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 24/7 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 1.8% 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.
Your money's protected
We're part of the Deposit Guarantee Scheme, meaning eligible deposits are protected up to €100,000.
24/7 support
Our friendly customer support team is available to chat in the Monzo app or over the phone. We don't have opening or closing hours, so we're here when you need us most.
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.
Open a free Monzo bank account
Download the app
You’ll need to download the free Monzo app to sign up for and use your new Monzo bank account.
Answer a few questions
This helps us set up your account. There’s no lengthy paperwork to fill in. In fact, it only takes a few minutes.
Add to wallet
Once your account's open, you can start using your card straight away with your digital wallet.
Just need a basic bank account?
Manage your day-to-day money easily with our free basic bank account. Just like our free Monzo Current Account, there’s no monthly maintenance fees.
You’ll get lots of the good stuff too, like a Hot Coral Card, Pots, and roundups – but you won’t be able to access things like an arranged overdraft or Instant Access Savings Pot.
Open a free bank account
Join over 15 million personal and business customers in the UK already banking with Monzo.
