Spend with confidence

Spend smarter with the hot coral Monzo debit card

Get Monzo today

Your go-to card for everyday spending

Meet your new best friend: the hot coral debit card that puts you in control of your spending. Stay on top of your transactions with real-time notifications, freeze and defrost your card instantly for added security, and pay effortlessly with Apple/Google Pay and contactless options. Plus, withdraw cash for free from over 40,000 ATMs in the US. *Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs

Ultimate spending convenience

We believe in making every part of spending stress-free. Our real-time balance includes pending transactions and tips, so you always know exactly how much is in your account. We’ll even automatically calculate tips for you, so you can savor the last slice of pizza while we do the math.

Worry-free spending abroad

Make the most of your travels, with the card that loves to travel as much as you do. No hidden fees or exchange rate surprises - we pass Mastercard's exchange rate directly onto you. Pay your friends back instantly or split the bill with them. That’s more time for you to create memories and less time figuring out who owes what.

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.

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.

Sign up for a Monzo account in less than 10 minutes

Download the Monzo app and join 9 million people who've changed the way they see, spend, and save their money.

Apply for a Monzo account

Existing customers can get help via the app

This website is operated by Monzo Inc. Monzo reserves the right to restrict or revoke any and all offers at any time.

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

The Monzo mobile banking app facilitates access to banking and deposit services provided by Sutton Bank, Member FDIC. The Monzo Mastercard Debit Card is issued by Sutton Bank, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2024 Monzo, Inc. All rights reserved.