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The bank account that works hard for you and your money. Join the millions of people already banking with Monzo.

Your bank on your phone

Everything you'd expect from your bank, on your phone

An award-winning UK current account in an easy to use app. Complete with a Hot Coral debit card, help when you need it and FSCS protection for eligible deposits up to £85,000 per person.


Independent service quality survey results

Personal current accounts

Published August 2021

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

301 - A clear view

A clear view

See a true reflection of your money at all times, and we’ll tell you about important things as they happen with handy notifications.

Instant Notifications

Instant notifications

What you just bought, where you bought it and for how much, before the receipts even printed. We’ll ping you about other important activity too, so you’re always in the know.

Spending Categories

Spending categories

We automatically sort your payments into categories so you can see what you’re spending on each month.

Regular Payments

Keep track of your regular payments

We’ll let you know if a Direct Debit or standing order’s going to be more or less expensive than last time, the day before the money’s due to come out.

401 - Money, managed

Money, managed

Finally, you’re in control – free to manage your income, spending and savings however it suits you.


Pots for setting money aside

Places to grow your savings or keep money separate from what you’re happy to spend.

Salary Sorter

Automatically sort your income

Once you’re paid, automatically move your money to different Pots – letting you set aside savings, bills money, money for a rainy day or whatever you like. All without the manual work.

Manage Your Bills

Clever ways to manage your bills

Keep what you need for bills in a Pot. When the bill’s due, we’ll pay it from your Pot automatically.

501 - Make life easier

Make life easier

Move money around without the hassle (or a calculator), all in an award-winning app.

Pay Anyone

Pay anyone seamlessly

Forget sort codes and account numbers. Pay someone in a few taps, or share a link if they’re not on Monzo for hassle-free payments.

Split The Bill

Split the bill

Having dinner with friends? Pay for everyone and then split the bill after. We divide up who owes what so you don’t have to do the maths.

Share The Tab

Share the tab

Going on holiday or just looking for a way to track who owes what in a shared house? Add payments to your shared tab so you can settle up as you go, or at some point in the future.



A UK current account

With savings, borrowing and overdrafts

Your money is protected by the FSCS

Your eligible deposits are protected by the FSCS up to a value of £85,000 per person

Fee-free UK bank transfers

Send money to any UK bank for free

Pots for separating money

Put money aside from your balance

Award-winning support

Through the app, if you need it

Instant notifications

See when, where and how you spend

Apple Pay and Google Pay

Spend using your phone

Spending categories

Get a clear view of your spending

No minimum term
Monzo Plus

£5 per month

All free Monzo features

Other accounts, in Monzo

See your other accounts in Monzo

1.00% AER/Gross (variable) interest up to £2,000

On your current account and regular Pots (including Instant Access Savings Pots, but not Pots from partner banks)

Holographic card

Exclusive to Monzo Plus

Custom categories

Plus, divide payments into multiple categories.

Virtual cards

Avoid using your physical card online

Advanced roundups

Make your spare change go further

Credit Tracker

See how your credit score changes


15% off Patch and many more

Fee-free withdrawals abroad

Up to £400 free every 30 days

Auto-export transaction

Live updates to Google Sheets

1 free cash deposit a month

At PayPoints across the UK

3 month minimum
Monzo Premium

£15 per month

All free Monzo features

All Monzo Plus features

Metal card

Exclusive to Monzo Premium

Phone insurance

Covers loss, damage, theft, and cracks

Worldwide travel insurance

Cover for you and your family when travelling together. Exclusions apply

1.50%/1.49% AER/Gross (variable) interest up to £2,000

On your current account and regular Pots (including Instant Access Savings Pots, but not Pots from partner banks)

Discounted airport lounge access

You and guests can travel in style

Fee-free withdrawals abroad

Up to £600 every 30 days

5 free cash deposits a month

At PayPoints across the UK

6 month minimum

Easy current account switching

With the Current Account Switch Service, you can move everything over to Monzo in 7 days without lifting a finger. We do everything for you, and you don’t need to deal with your old bank at all.