Joint accounts
Digital banking (together) made easy. Manage shared costs with a shared account.
Monzo is a financial technology company; not a bank. Banking services are by Lead Bank or Sutton Bank; Members FDIC. T&Cs apply.
Together, with whoever
A partner, spouse or someone who lives in your house. Shared accounts are for soulmates and housemates or anyone else as long as they’re eligible.
With a joint account you both get a pearlescent white debit card to use for your shared spending and saving.
Grow your shared savings
Earn 3.75% APY interest on your combined savings and work together towards your shared goals.
Packed with the best of Monzo
Protection for your money
With Monzo, your money is eligible for pass-through insurance up to $250,000 through Lead Bank or Sutton Bank; Members FDIC.* And we also use Biometrics and PIN protection for added peace-of-mind.
A clear financial view
Get to know your spending and saving habits by account, or view multiple accounts together.
Friendly support
Got a problem? We're here to help. Just message us in the app.
Instant spending notifications
Stay in the loop with real-time alerts that show exactly how much you spent and with a business name you’ll recognize.
Easy transfers
Transfer to or from another financial institution, between your accounts and Jars, and to other friends on Monzo.
Better together
Share your spend, organize your joint expenses, and save together.
Get paid up to 2 days early
Get one (or all) of your paychecks deposited into your Monzo account and get paid up to two days early.
* 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 Sutton Bank or Lead Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.