Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details. Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails 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. © 2025 Monzo, Inc. All rights reserved.

https://webviews.monzo.com/usa/privacy-notice

https://webviews.monzo.com/usa/lead-bank-terms-of-service

You need a personal account to have a joint or an Under 16s account

so we can confirm who you are. Once you have it, you don't have to use it if you don't want to.

There was an unknown error submitting your details. Try again later.

Or head to the app store and search for \u2018Monzo\u2019.

Download the Monzo app to find out your position and generally just take a look around.

Something went wrong. Please try again later.

You signed up to the waitlist a some time ago, and this email confirmation link has gone stale. We've sent you a new one to your email inbox. Go confirm your email whilst it's fresh to help keep your new account secure, the link will expire in 2 weeks.

Tap \u2018I\u2019m new to Monzo\u2019 on the first screen

Head over to the app to unlock exclusive perks and content to get you set up with Monzo.

We love that you love Monzo! You'll be the first to know when we arrive.

It looks like you already have an account

Unfortunately, you can only have a Monzo account in one country at a time, and you'll need to close your existing account first. Once you've closed your existing account, you can sign up to the waitlist again.

We secure your data in line with our [privacy notice](/ie/legal/privacy-notice/). 
By registering your interest, you are giving us permission to contact you about our products and services developing in your country and send information about how you can help shape them.

An email's on its way. Open it up and secure a spot.

Be one of the first people to have Monzo in {{ region_name }} and help us shape the experience together.

If we invite you to get early access you'll help us shape the experience together and we'll give you €25 as a welcome reward.

Get your name on the list {{ region_flag }}

Someone referred you to the early access waitlist for Monzo in {{ region_name }} {{ region_flag }}

We won't contact you about Monzo waitlist anymore.

It could be an issue with the link or the person who sent it to you. Ask them to resend it so you can try again. You can join the waitlist without their referral but neither of you will get bumped up the list.

Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland.

This number is indicative of the risk of the product, 1/6 being indicative of lower risk and 6/6 of higher risk.

Monzo is a member of the Irish Deposit Guarantee Scheme. For money deposits the maximum guaranteed amount is 100,000 euros per account holder and entity.

Sorry, we don't have any articles for this category.

The number above is only for customer support queries and we won't be able to help with other questions. We're free to call, but if you're calling from abroad, please be aware that you may be charged by your phone provider.

a document from the Financial Conduct Authority, see

Information about our Personal Current Account Services

European Commission's frequently asked questions

If you're looking for information about the Payment Services Directive, see the

leaflet published by the European Commission

If you're looking for information on your rights when making payments in Europe, you can find it in this

a group of speech bubbles with random icons, surrounded by stars.

The home for everything you need to know about using Monzo.

What’s worse than ads? Irrelevant ads. We follow your trail of virtual cookie crumbs to show you more interesting ads and marketing.

The science-y sounding cookie that’s interested in what you do on our website. Where you came from, what pages you visit and for how long.

These cookies allow optional features to work, but don't track you or your behaviour.

The curious cookie that gets to know you better. By knowing your preferences on the site, we can enhance your journey to make things more relevant to you.

This trusty cookie is a must for our website to work and keep you safe and secure. Need we say more?

We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. You can learn more about <Link>our cookie policy</Link>.

We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the <Link>Monzo cookie policy</Link>.

Join over {{ customerCount }} personal and business customers in the UK already banking with Monzo.

Sorry, we can't find the page you're looking for

Monzo are building a smart bank on your smartphone and we need your help to create the bank of the future.

You're on the <flag>{{flag}}</flag> {{pageRegion}} website.

Confirm Selected Country (page will navigate after selecting a country)

Choose a country/region. The current selection is {{regionName}}

We offer tailored accounts depending on your country of residence.

We're very sorry, but something went wrong and we weren't able to unsubscribe you from our emails.

Please get in touch with support and we'll help you out. You can reach us at <email_link>help@monzo.com</email_link>.

We've unsubscribed you. We'll stop sending you emails, except for specific service messages related to your account.

Now download the app

Scan to download the Monzo app