Industry-first security you can bank on
We’re a modern bank regulated by the Central Bank of Ireland. We keep your money safe with industry-first security features, real human support, and innovative fraud protection.
Ts&Cs apply.
A fully regulated local bank
We're part of the Deposit Guarantee Scheme, meaning eligible deposits are protected up to €100,000.
Packed with security features
Daily limits, biometric logins, and freezing your card in one tap – we’re always finding new ways to help keep your money safe. And if we think something's off, like a suspicious payment, we’ll be in touch to make sure it’s really you.
Keep your savings safe from phone snatchers
Extra security controls give you another layer of protection when making big bank transfers and withdrawing from your savings. Pay from a known location, confirm it with someone you trust, or scan a secret QR code to prove it's really you.
Protecting you from phone fraud
If someone calls you saying they’re from Monzo, our industry-first Call Status feature lets you check if it’s true in the app. If it doesn’t say we're talking to you, hang up because it's a scam.
Track every transaction
Enjoy a more secure shopping experience with instant notifications. Every time your card is used, you’ll see the name of the shop, the location and the amount.
For online purchases, you’ll approve payments with a two-step verification called 3D Secure.
Your identity’s protected
You can use biometrics every time you access the Monzo app on your phone. And the video selfie you take when you apply is so that no one can impersonate you when you get in touch.
Monzo’s customer support will never ask for your password or card number. Just like we’ll never ask you to make a bank transfer.
No branches, no problem
Need help or want to report something suspicious? Head to the app to chat with a friendly human if something urgent comes up.