Meet our cash back debit card
Get 5% cash back on the places you choose.* Finally, a debit card that rewards you.
*Offer available to Minnesota residents. Monzo Pro is $10 a month. Subscription applies.
Monzo is a financial technology company; not a bank. Banking services are by Lead Bank or Sutton Bank; Members FDIC. T&Cs apply.
Cash back means real cash
Cash back is deposited instantly, straight into your account.** Withdraw, spend or save it (and we'll even help you grow it with 3.75% APY).***
Security you can count on
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.
Cutting-edge tech
Freeze your card straight from the Monzo app if it gets lost, stolen or you suspect fraud. Enable Biometrics for an added layer of security.
FDIC protection
With Monzo, your money is eligible for pass-through insurance up to $250,000 through Lead Bank or Sutton Bank; Members FDIC.****
Free ATM coverage nationwide
Choose from 40,000+ MoneyPass ATMs where you can withdraw cash for free.
Save as you spend
Every time you spend money, we’ll round it up to the nearest dollar and put the spare change in a Jar for you. All you need to do is switch on roundups.
** How does cash back work? If you’re a Minnesota resident, we’re testing something new in your area — you’ll get 5% cash back on 5 places you choose. In all other states/territories, you’ll earn 2% cash back on eligible groceries and eating out purchases. Cash back is up to $60 per month.
*** How does APY work? As of June 18, 2025, you'll earn 3.75% APY (Annual Percentage Yield) with a Monzo Pro subscription and 2.00% APY for Monzo Base users. No minimum deposit needed. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. Monzo isn't a bank. Banking services and debit card are issued by our partners, Lead Bank or Sutton Bank, Members FDIC. T&Cs apply.
**** How does FDIC insurance work? Your funds are held at Lead Bank or Sutton Bank, Members FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Lead Bank or Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.