Banking made easy
Spend, save and manage your money, all in one place. Open a full UK bank account from your phone, for free.
UK residents only. Ts&Cs apply.
Apply for a full UK current account in 15 minutes
Organise your money however you like with Pots
See your money in a whole new light with Trends
Spend
Get instant notifications the second you pay. Set budgets for things like groceries and going out, and get warnings if you’re spending too fast (if you want them).
Manage
Pay Direct Debits through Monzo and we’ll tell you if they’re higher for the upcoming month. So no nasty surprises.
Get more life for your money
Monzo Max comes with worldwide travel and phone insurance, UK & Europe breakdown cover, advanced money management tools, a weekly Greggs treat, an annual Railcard, and 4.60% AER (variable) interest on Instant Access Savings
Max starts at £17 a month • Aged 18-69 • UK resident • Ts&Cs apply
Make money that bit easier
Monzo Extra lets you unlock the best in Monzo money management: see your other banks in one place, dig into your credit health, group and label purchases your way, and more.
Extra is £3 a month • Aged 18+ • UK resident • Ts&Cs apply
Using Monzo abroad
Use Monzo anywhere in the world that accepts Mastercard. We don't charge any fees for paying abroad and we pass Mastercard's exchange ratedirectly onto you, without sneaky fees or extra charges.
Credit with a dash of Monzo magic
Use Monzo Flex to get more time to pay for pretty much anything. It’s 0% interest when you pay in full on your next payment date or in 3 monthly payments. For more wiggle room it’s 29% APR representative (variable) when you pay in up to 24 monthly payments.
Representative example: 29% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 29% (variable).
Eligibility criteria and Ts&Cs apply. 18+ year olds only. Missed payments can negatively impact credit scores and you may lose the interest-free rate on existing plans.
Loans and Overdrafts
We offer overdrafts up to £2,000 and loans up to £25,000. Checking if you're eligible won't leave a mark on your credit score, there are no lengthy forms to fill in, and no charges for paying us back early.
Our representative APR is 14.8% for loans more than £10,000, up to £25,000. For loans up to £10,000 it's 25.7%.
How does our overdraft compare? Our representative APR is 39.0%. You can use the APR to compare the cost of different credit products.
Protect yourself from fraud
Don’t make payments or share your data if something seems unusual or unexpected - stop and challenge.
Take a look at some common scams and learn how they work so you can keep your money safe. Fraudsters are clever and use sophisticated tactics, so knowing what to look out for can help stop them.
Keep your money safe
Cutting-edge technology, FSCS protection and 24/7 support if you need us urgently. Just a few of the reasons over 10 million customers trust us to keep their money safe.
Compare plans
We're making money work for everyone, so we have different plans for different needs.
Free
Extra
Perks
Max
Free
months minimum
Free
Free
months minimum
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
4.10% AER (variable) interest, paid monthly
Extra
£3 a month
months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
4.10% AER (variable) interest, paid monthly
Includes everything from Free, plus:
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Fee-free withdrawals up to £200
18+ • Ts&Cs apply
Perks
£7 a month
months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
4.10% AER (variable) interest, paid monthly
Includes all features from Extra
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Fee-free withdrawals up to £200
Includes everything from Free, Extra, plus:
4.60% AER (variable) interest, paid monthly
Fee-free withdrawals up to £600
3 fee-free cash deposits
Discounted investment fees
Annual Railcard
Weekly Greggs treat
18+ • Ts&Cs apply
Max
From £17 a month
3 months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
4.10% AER (variable) interest, paid monthly
Includes all features from Extra
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Fee-free withdrawals up to £200
Includes all features from Perks
4.60% AER (variable) interest, paid monthly
Fee-free withdrawals up to £600
3 fee-free cash deposits
Discounted investment fees
Annual Railcard
Weekly Greggs treat
Includes everything from Free, Extra, Perks, plus:
Personal worldwide travel insurance – provided by Zurich, powered by Qover
Personal worldwide phone insurance – provided by Assurant
Personal UK & Europe breakdown cover - provided by RAC
Add your family to your insurance and cover for an extra £5 a month
18-69 • Ts&Cs apply
Independent service quality survey results
Personal current accounts
As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Authorised push payment (APP) fraud rankings in 2022
Authorised push payment (APP) fraud happens when someone is tricked into transferring money to a fraudster's bank account.
These charts use data given to the Payment Systems Regulator (PSR) by major banking groups in the UK in 2022.
You can read the full report by visiting www.psr.org.uk/app-fraud-data
Share of APP fraud refunded
This data shows the proportion of total APP fraud losses that were reimbursed, out of 14 firms. Higher figure is better.
APP fraud sent per £million transactions
This data shows the amount of APP fraud sent per million pounds of transactions, out of 14 firms. Lower figure is better.
