Modern security you can count on
All the benefits of a regulated bank, with advanced fraud prevention to keep you safe, 24/7 support and deposit protection.
UK residents only. Ts&Cs apply.
A fully licensed UK bank
We're authorised and regulated by the Financial Conduct Authority. We're also a member of the Financial Services Compensation Scheme (FSCS), so your eligible deposits are protected up to a value of £85,000 per person.
We apply UK laws and have a team of experts to fight financial crime too.
An industry-first: Calling out phone fraud
If you get a call from someone saying they’re from Monzo, you can now check if it’s true in real time in the app. If you don’t see a “We’re calling you” message in the app, you’ll know to hang up to stay safe. Here’s a guide about protecting yourself from other types of fraud.
Safer shopping
Enjoy a more secure shopping experience with instant notifications. Every time your card is used, you’ll see the name of the shop, the location and the amount.
For online purchases, you’ll approve payments with two-step verification called 3D Secure.
With subscriptions plans, you also get ‘virtual card numbers’ that expire – handy for one-off purchases.
Packed with security features
Freeze your card straight from the Monzo app, if it gets lost, stolen or you suspect fraud.
We’ll warn you if you’re paying someone and their details don’t match the receiving account – so you can decide if you trust where the money is going.
And if you need to copy your card number, it expires after 60 seconds so you don’t accidentally paste it.
Your identity protected
You can use biometrics every time you access the Monzo app on your phone. And the video selfie you take when you apply is so that no one can impersonate you when you get in touch.
Monzo’s customer support will never ask for your password or card number. Just like we’ll never ask you to make a bank transfer.
No branches? No problem. Monzo support is 24/7
We've been voted Number 1 by the Competitions and Marketings Authority for service quality 4 years in a row. Our modern technology platform is run in a way that makes it unlikely we'll close for maintenance and interrupt your banking.
Report a suspicious transaction right from the screen that displays it so that we can investigate.
If you lose your phone, you can log in on the web to freeze your card.
Working together to stop scams
Monzo is a member of Stop Scams UK. We collaborate with social media companies, phone operators and other organisations to help prevent fraud.
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Join the 9 million customers banking with Monzo today.
