Open a free Monzo bank account and earn up to €30 in cashback over 60 days. Already have an account? Refer a friend and start earning cashback once your friend makes their first transaction in their first 30 days. Ends 31 December 2026.
Offer ends 31 Dec 2026. Earn up to a maximum of €30 cashback on eligible spending over 60 days. Open to new customers.
Also open to existing customers who refer a friend, if that friend joins Monzo. Ts&Cs apply.
Monzo is a fully regulated bank with an Irish team based in Dublin.
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We’re fully regulated by the Central Bank of Ireland, and your eligible deposits are protected up to €100,000 by the Deposit Guarantee Scheme.
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Speak to a real human 24/7 if something urgent comes up. We're available through in-app chat when you need us.
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Our early Irish customers told us what they need from a bank. We listened and built an app to help make everyday banking easier.
Free Irish bank accounts for families
No hidden charges or maintenance fees, just total clarity on your money.
Make life easier for you and your customers with free instant bank transfers, deposit protection, instant notifications and more.
Partner, housemates or soulmates, if you’re both Monzo customers then you’re eligible to apply.
Our account for 6–15 year olds, with no up-front costs, subscriptions or top-up fees. Set limits and schedule pocket money from the app. Free for every child.
Our account for 6–15 year olds, with no up-front costs, subscriptions or top-up fees. Set limits and schedule pocket money from the app. Free for every child.
Our account for 6–15 year olds, with no up-front costs, subscriptions or top-up fees. Set limits and schedule pocket money from the app. Free for every child.
When you open a free Monzo Current Account and Instant Access Savings Pot. No sneaky hidden fees or strings attached.
Limits and Ts&Cs apply. Interest subject to DIRT.
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Get instant notifications, spending insights and Pots to separate your money within your free Monzo account.
Create up to 20 Pots to keep things organised.
Add your other bank accounts to Monzo and see all your finances in one place.
Group spending into categories to see how much you’re sinking on chicken fillet rolls.
Track your spending so you can see where your money’s going.
Turn on roundups: Any time you spend more than €1, we'll round up the change to the nearest euro and put it in a Pot of your choice.
Set up regular deposits: We’ll automatically add money from your main balance to your savings Pot. Just tell us how much and how often.
Sort your salary: Automatically divide your hard-earned money into spending, savings and bills as soon as you’re paid.
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There’s no branch queues or lengthy paperwork needed to get a Monzo account. Just grab your phone, your ID, and a cupán tae (the last one’s optional).
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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. You can also set an expiry date, so the card automatically deletes when you want it to.
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Pay anywhere in any currency, fee-free with your Irish Monzo account.
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Pay anywhere in any currency with no foreign transaction fees. We pass Mastercard’s exchange rate directly onto you.
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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).
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See the latest exchange rates as you spend abroad.
As much as we like our card… you don't really need it. Add Monzo to your Apple Pay or Google Wallet today – it’s secure and easy to set up.
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With industry-first fraud protection and real human support, your money is safe with fraud protection and 24/7 support.
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We're the bank that makes you feel differently about your money. We're new to Ireland but more than 16 million customers trust us with their money in the UK.
When we started out in 2015 we made it our mission to make money work for everyone. And that's exactly what we're here to do in Ireland.
It really is. A Monzo current account is completely free, with no sneaky maintenance fees, ATM withdrawal fees or foreign exchange fees.
Yes! We're a regulated Irish bank with an office in Dublin, an Irish banking licence, local Irish IBANs. We're authorised and regulated by the Central Bank of Ireland and part of the Deposit Guarantee Scheme, which means your eligible deposits are protected up to €100k.
Absolutely, we're a licensed bank that's authorised and regulated by the Central Bank of Ireland and part of the Deposit Guarantee Scheme, which means your eligible deposits are protected up to €100k.
We have an office in Dublin and although we're new to Ireland we have 16 million customers in the UK already.
Our industry-first security controls for large payments – like trusted contacts, QR code scanning and known locations – are just a few ways we’re protecting you and your money. Plus things you might already be familiar with, like card freezing if your card gets lost or stolen, and fingerprint or facial recognition to approve online shopping and getting into your Monzo app.
We do, and not just any savings either. We have the best free Instant Access Savings rate in Ireland right now for personal bank accounts and business bank accounts.
Earn 2.00% AER (Annual Equivalent Rate) variable interest on your savings, paid monthly and subject to DIRT (Deposit Interest Retention Tax).
We're different in loads of ways.
By solving your problems, treating you fair and square and being totally transparent, we can make banking better. Banking that keeps your money safe and really helps your savings grow. Banking that’s there when you need it and not just when we’re open. Banking that’s so much more than a snazzy app for payments.
We don’t think you should have to pay fees for day-to-day banking, either. Which is why we have free accounts for you, your business, your better half, your little (and not so little) ones.
Speak to a real-life human if something urgent comes up. We're available through in-app chat when you need us.
You can chat to us in the app or email us at help@monzo.com.
Or, phone us on our toll- free local number 1800849291 from anywhere in Ireland. To call us from outside Ireland, the number is +35312337650 (operator charges may apply).
You can use your Monzo card with Apple Pay to make purchases in person and online. If you're using an Apple device that is iOs 26 or later you can now simply tap your Monzo card on the back of your phone to add it to Apple Wallet.
Join over 16 million personal and business customers in the UK already banking with Monzo.
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