Smart. Phone. Banking.
The Monzo banking app is a smart hub to manage your entire financial life – on your phone, fee-free.
No waiting, no branches, no stress.
Hassle-free
money management
Spend, manage, and save your money, from your phone, fee-free.
Clearly see what, where, and how you’re spending. Take control with Monzo’s budgeting tools.
Simple to spend. Simple to save.
Intelligent spending with Monzo
Get notified the moment you pay. If you want, we’ll warn you if funds are running low or if you’re spending too fast.
Control and visibility
A real time balance and daily spend summary keep you on top of your money. Set budgets for things like groceries and going out. Monzo automatically categorizes your spending so it’s easy to track.
Organize your life. Pots and plans
Pots allow you to segment your money and save with specific goals in mind. Holding out for a new car? Put it in a Pot. Want to be on top of your bills? Put it in a Pot.
Divide your salary and other incoming payments across different Pots - no need to toggle to see where your money is.
Make it big. Round up
your small change
Round up payments to the nearest dollar to save a little – often. With roundups turned on, spare pennies, nickels, dimes, and quarters are put in a Pot instantly, making saving easy. Make small change … big.
Play / Pause
Instantly freeze your card anytime you’re worried. Defrost it just as quickly if everything’s okay.
Manage your payments
Control committed spending. Track scheduled payments like utility bills, gym membership, and subscriptions. Send and request money. Split the bill too.
Safe and secure
Protect your account with Touch ID, Face ID, fingerprint, or PIN.
With a Monzo account, your money is FDIC insured up to $250,000.
The Monzo mobile banking app facilitates access to banking services through Sutton Bank, Member FDIC.
83% of our customers would recommend Monzo to their friends and family*
*Survey results were conducted by Monzo Bank Limited in the UK, not for Monzo Inc in the US. View full results of the independent service quality survey here.
“I’ve put more money into savings by using Monzo for just over a year than I ever have.”
“Responsive, friendly and helpful customer services. I recommended them to all of my friends and family.”