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Put money in your hands

Put money in your hands

More financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.

Get Monzo Plus

More financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.

Get Monzo Plus

£5 per month

3 month minimum • Must be over 18 Ts&Cs apply

£5 per month

3 month minimum • Must be over 18 Ts&Cs apply

Get more financial visibility

Add your other bank accounts and credit cards so they're visible in the Monzo app, then categorise transactions like you do with your Monzo account.

See your balances and transaction history for up to 3 years, and move money around with easy bank transfers.

Stay safe online with virtual cards

We're all shopping online more, so it's important to be extra careful. Keep your physical card details safe by using virtual cards for online payments.

Protect your physical card

Use your virtual cards’ unique details online instead of the ones on your physical card.

Manage online subscriptions

Avoid updating your payment details everywhere because your physical card got lost or stolen.

Have up to 5 at any time

Personalise your cards by giving them names and picking from a range of colours.

Understand your spending better

Create custom categories to group your spending in ways that work for you and your lifestyle.

Divide single transactions into multiple categories to group your spending, your way.

Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.

Earn interest on your money

Get an exclusive interest rate of 4.60% AER (variable) with Plus and Premium on balances up to £100,000 in Personal Instant Access Savings Pots, paid monthly. That's instead of the 4.10% AER (variable) you get with a regular Monzo current account.

Custom spending categories

Personalise your spending breakdown by creating your own spending categories.

£400 fee-free withdrawals abroad

Take out up to £400 cash abroad for free every 30 days. That's double the amount you can withdraw for free with our regular Monzo account.

Advanced roundups

Automatically put 2, 5 or 10 times as much spare change into savings every time you spend.

Credit score calculator showing a credit score of 605.

Track your credit health

See your credit score in the app and how it changes each month.

With helpful guides on how credit scores work and tips for improving yours.

Powered by TransUnion

Treat yourself

Laka: 10% off cycle insurance every month for a year for new Laka customers

Patch: 15% off plant and plant pot orders over £50. Available for both new and existing Patch customers.

Naked Wines: Over 50% off 6 bottles of wine when you sign up. Available for new Naked Wines customers only.

Fiit: 25% off a home workout membership. Available for new FiiT customers only.

And more. See them all in the app. These may change over time, go to the app to see the latest offer available. Conditions apply

Blank Pixels

Packed with the best of Monzo

A UK current account

We're a fully licensed UK bank, which means we're authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Protection for your money

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.

A new way to bank

With features like instant spending notifications, simple ways to send money, Pots for separating it and monthly spending summaries.

Friendly support

Got a problem? We're here to help. Just message us in the app.

Loans and overdrafts

We offer loans up to £25,000 and overdrafts up to £2,000. See if you're eligible without impacting your credit score. For loans, our representative APR is 13.8% for more than £10,000, up to £25,000. For up to £10,000 it’s 26.7%. For overdrafts, it’s 39% APR/AER representative (variable). Our representative APR is 39.0%. You can use the APR to compare the cost of different credit products.

Interest on your savings

Get an exclusive interest rate of 4.60% AER (variable) with Plus and Premium on balances up to £100,000 in Personal Instant Access Savings Pots, paid monthly. That's instead of the 4.10% AER (variable) you get with a regular Monzo current account.

Pick an account

We're making money work for everyone, so we have different accounts for different needs.

Monzo

Free

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

4.10% AER interest (variable)

On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly

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
Must be over 18

All free Monzo features

Other accounts, in Monzo

See your other accounts in Monzo

4.60% AER interest (variable)

On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly

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

Offers

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
Must be aged 18-69

All free Monzo features

All Monzo Plus features

Metal card

Exclusive to Monzo Premium

Phone insurance

Covers loss, damage, theft, and cracks. Exclusions apply

Worldwide travel insurance

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

4.60% AER interest (variable)

On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly

Get discounted access to over 1,100 airport lounges

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

Not sure what to pick?

Compare each account to find the right one for you