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Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank or Sutton Bank; Members FDIC. The Monzo Personal and Joint Debit Cards are issued by Lead Bank or Sutton Bank, Members FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms, Lead Bank Cardholder Agreement, Sutton Bank Terms and Sutton Bank Cardholder Agreement for more details.

Funds held in the Monzo deposit accounts are held with Lead Bank or Sutton Bank; Members FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank or Sutton Bank fail and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo's failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage.