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Banking that makes a statement

Banking that makes a statement

Turn heads with our white metal card and enjoy peace of mind with worldwide phone and travel insurance, interest and much more.

Get Monzo Premium

Turn heads with our white metal card and enjoy peace of mind with worldwide phone and travel insurance, interest and much more.

Get Monzo Premium

£15 per month

6 month minimum • Must be aged 18-69 Ts&Cs apply

£15 per month

6 month minimum • Must be aged 18-69 Ts&Cs apply

A mobile phone in a rubber ring floating on water

Protection for your prized possession

Phone insurance that covers theft, loss, accidental damage, even cracked screens. Learn more about the phone insurance.

For phones worth up to £2,000 (including VAT) and accessories up to £300, like headphones and chargers. With £75 excess. Exclusions apply.

Provided by Assurant

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Worldwide family travel insurance

Stress-free travel with insurance that covers cancellation up to £5,000, medical bills up to £10m, lost valuables up to £750, winter sports and more. Worth £143 a year on average.

Multi-trip cover for you, your partner, and family. By "family", Zurich means partners and dependent children up to 19 years old (21 if in full-time education). Your family is covered when they're travelling with you.

Cover anywhere in the world, including the US.

There's a £50 excess for every successful claim.

Learn more about our travel insurance to see the full Zurich terms and conditions, including general and coronavirus exclusions.

Provided by Zurich, powered by Qover

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Your money makes you 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.

See Amex and other accounts, in Monzo

Get a clear view of your finances by adding your other bank accounts and credit cards to Monzo. See your balances and transactions, and move money around with easy bank transfers. Ts&Cs apply.

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.

Discounted airport lounge access

Get discounted access to over 1,100 airport lounges.

£600 fee-free withdrawals abroad

Take out up to £600 cash abroad for free every 30 days. That's 3 times more than our regular Monzo account.

Advanced roundups

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

Stay safe 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.

Credit score calculator showing a credit score of 605.

Track your credit health

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

With helpful guides on how credit scores work and tips on ways you could improve yours.

Powered by TransUnion.

Treat yourself

Laka: 15% 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

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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 14.8% for more than £10,000, up to £25,000. For up to £10,000 it’s 26.9%. 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. Your money is protected by the FSCS for amounts up to £85,000.

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