Pain-free payments
Split costs with friends, pay bills, and spend abroad fee-free in any currency.
Irish residents only. Ts&Cs apply.
Pay and get paid your way
Pay the way you’re used to – from bank transfers to direct debits and standing orders – and in new ways too. How you do it is completely up to you.
Secure payment links
Share your secure Monzo.me link for people to pay you, whether they have Monzo or not.
Connected contacts
Settle up with friends and family in one tap. Add ‘Favourites’ and see a history of your (financial) activity together.
Personal QR codes
Pull up your very own QR code for people to scan and pay straight away.
Made a mistake? Undo it.
Paid the wrong person or entered the wrong amount? We’ve all been there. Undo it right away.
The undo timer’s set to 15 seconds by default, but you can change it to 10 seconds, 30 seconds or 60 seconds – or, turn it off completely.
Split, track and chase
Get paid back for one-offs, or create Running Splits for ongoing costs. We’ll work out the maths and keep tabs on who owes what.
Extra security controls
Industry-first controls like known locations, secret QR code and trusted contacts can confirm it’s really you before letting you make large payments.
Call status confirms you’re speaking to someone from Monzo in real time, helping our customers in the UK report 700+ fraud attempts each month already.
No fees overseas
No more fees
Open a Monzo account and pay anywhere fee-free, in any currency, with your debit or credit card. Mastercard’s exchange rate applies.
Free ATM withdrawals up to €300
Take out up to €300 for free every 30 days when you’re in Ireland or anywhere else in Europe. After that, we charge a 2.5% fee (minimum €1).
We’ll do the maths
Understand exactly what you're spending by seeing real-time exchange rates when you spend abroad.
Secure your online payments
Create virtual cards to keep your online payments secure. They come with their own unique details, so you can shop online without sharing your main card number—especially on sites you don’t fully trust.
You can also set an expiry date, so the card automatically deletes when you want it to.
Your money, our priority
Over 15 million customers in the UK already trust us with their money. And you can speak to a real human through in-app chat when you need us.
Security at the door
We’ll check your face, fingerprint, or card PIN every time you open the app or make a payment.
Instant notifications
Keep track of your spending activity, so you know right away if someone’s got hold of your card.
Card freezing
Freeze your card in a few taps if it’s lost, stolen or you suspect fraud. Defrost it in the app if you find it again.
Daily payment limits
Putting a cap on the amount you can spend in a day stops scammers from draining your account.
24/7 help, if you need it
If something urgent comes up, we're here to help any time of day or night.
Your money’s 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.
Join the waitlist
15 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.
