Opening a basic bank account
Basic accounts are free in the EU, and we designed them for people who don't have another bank account. You don't need to buy anything else from us to open one.
You can open a Basic account if you:
Have an Irish address and can provide proof of your link to that address if we ask
Are 16 or older
Don't already have another payment account in Ireland, unless it's closing soon
What you’ll get:
A Monzo debit card and IBAN
Direct Debits and Standing Orders
Pots to help you save and budget
Free cash withdrawals both at home and abroad
What’s different from our other accounts:
Overdrafts aren't included
There are no ATM fees
If you upgrade to a different Monzo account later, you won't be able to switch back to Basic
How to open a Basic account
You'll need to choose the Basic account option when you sign up in the Monzo app. If you continue with the standard account instead, you won't be applying for a Basic account.
Download and open the Monzo app.
Start signing up and select Personal Account when we ask which type of account you'd like to open.
On the next screen, look for the Basic bank account option near the bottom of the screen.
Tap Learn more in the Basic bank account section and follow the instructions to apply.
Once you've selected the Basic account option, follow the steps in the app to complete your application.
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