Joint accounts with Monzo

Double the power of your money with a Monzo joint account – perfect for partners, friends, roommates

Protection for your money

With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC*

Support from real humans

Our friendly support team is here for you when you need it. Whether you have a question or need help, chatting with us is just a tap away.

40,000+ fee-free ATMs nationwide

Get cash without stress and without fees, thanks to our network of over 40,000 fee-free MoneyPass ATMs.

Manage money as a team

The only account you’ll ever need for your shared finances. All your joint spending shows up in a single transaction feed for transparency and financial unity.

Each transaction is automatically tagged with your profile photo, so you’ll know who paid for what. Less time figuring out who owes how much, more time enjoying life together.

Save for big goals together

Organize your money into Pots to help you both keep track of your goals and your future.

Use Pots to separate your money for your shared goals, track household expenses, and everything else in between. Build an emergency fund or stay ahead of credit card debt with Pots that help you set money aside automatically.

Two cards, one account

You and your partner will each get your own personalized joint account card. This gives you both independence and control over your spending, while still keeping everything in one account.

You can also use it with Apple Pay® or Google Pay™ for secure payments without sacrificing a speedy checkout.

Packed with the best of Monzo

Say goodbye to fees

No monthly fees or account minimums, no foreign exchange conversion fees, no overdraft fees, no ATM fees at 40,000 fee free ATMs.

Fast and easy transfers

Schedule transfers to or from another financial institution, between your accounts and Pots, and peer-to-peer payments.

Organize your spending

Categorize transactions with categories like Groceries or Transport. Or create custom ones for the things that matter most to you.

Instant notifications

Stay in the know with real-time transaction alerts, so you’re always on the same page.

Get paid early

Set up direct deposit into Monzo and get paid up to 2 days early.

Automate your savings

Sort your paycheck neatly into Pots as soon as you get paid with Salary Sorter.

And since we don’t bury our footnotes

* How does FDIC insurance work?

Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account benefits from pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed.

Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.

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