Personal Accounts with Monzo
Unlock the full potential of your money with a Monzo personal account — designed to help you see, spend, and save with ease and confidence
Protection for your money
Money in your Monzo accounts is protected up to $250,000 by the Federal Deposit Insurance Corporation (FDIC).
Support from real humans 24/7
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 ATMs.
Goodbye fees, hello freedom
We're all about transparency, and that means no hidden fees. Monzo's personal account offers you the best way to see, spend, and save your money without those pesky extra charges.
No monthly fees: keep more of your hard-earned cash
Free debit card: your trusty sidekick for spending and saving
No overdraft fees: flexibility for those unexpected moments
No foreign exchange fees: travel abroad without surprises
Get paid early and plan ahead
Why wait for payday when you can get a head start? Get paid up to 2 days early when you set up direct deposit. That means more time to plan, save, or celebrate a little.
Your money, safe and secure
We take security seriously. Monzo's personal account comes with top-notch security features, so you can save with confidence.
$250,000 FDIC insurance: Rest easy knowing your funds are protected*
Biometrics and PIN protection: Advanced security for your peace of mind
Instant notifications: Stay in the know with real-time transaction alerts
Freeze card: Pause transactions instantly if your card goes missing
Worry-free travel? Yes, si, oui
Travel everywhere with confidence - no matter where life takes you. Our personal account makes spending abroad a breeze.
Use anywhere Mastercard is accepted: shop, dine, and experience the globe with ease
Transparent pricing: no exchange rate surprises, hidden fees, or extra charges. We pass Mastercard’s exchange rate directly onto you.