Digital banking that rewards you

Cash back where it matters. Unlock smarter ways to save. One app for all your money.

Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank or Sutton Bank; Members FDIC. T&Cs apply.

Cash back for all

Get cash back on all your purchases for your first month*.

5% cash back with Preferred account
1% cash back with free Everyday account

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A tattooed hand holds up a vanilla ice cream cone with a bright coral Monzo bank card inserted into the top, set against a backdrop of green trees and a cloudy blue sky

Cash back where it matters

After your first month, choose your 5 favorite places to get cash back at. You can even suggest places you want added to our list. It's the best way to be rewarded for being you.

5% cash back on 5 places with Preferred account
1% cash back on 5 places with free Everyday account

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A shopper holds a wire basket filled with fresh pineapple and bananas, overlaid with a notification confirming $1.56 in cash back earned at Trader Joe's.

Cash back means cash

Not points or credits. We'll deposit cash back immediately into your account, straight after your purchase is made. Easy.

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An overhead view of friends gathered around a green table with drinks and a Monzo card, overlaid with a notification celebrating $12.28 in cash back earned this month.

All your money, one app

Link your other bank accounts, savings accounts and credit cards into Monzo. Then use our easy tools to budget across all your spending and savings.

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A screenshot of the Monzo app showing a stack of cards. The top card is Bank of America savings, the middle card is a Capital One credit card, and bottom card is Monzo. There are a few transactions in the activity feed below.

Save more with interest

Each of our accounts gives you the chance to save more, your way. Interested?

3.75% APY with Preferred account
2.00% APY with free Everyday account

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A screenshot of the Monzo app showing a Savings Jar called Vacation. It has an image of an airplane traveling around the world. There is a $2800 balance with a Goal of $3500 and a progress bar at 80%

Monzo card sitting on brown wood table with a cup and notepad sitting off to the left side.

FDIC protection meets cutting-edge security

With Monzo, your money is eligible for pass-through insurance up to $250,000 through our partner Lead Bank or Sutton Bank, Members FDIC.**

See how we stack up

Comparison of features between Monzo Everyday, Monzo Preferred, and competitor Plus accounts

	Everyday	Preferred	Plus	Plus
Cash back on debit	1% at 5 places*	5% at 5 places*	Chime deals
Savings APY	2.00% APY	3.75% APY	3.50% APY	3.60% APY
Linked accounts	✓	✓		✓
24/7 support	✓	✓	✓	✓
Monthly cost	$0	$10	Direct deposit required	$10 or direct deposit required

Data as of December 8, 2025. Competitor features and fees may change. Please check their websites for the latest information.

Join 14 million customers on Monzo

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Monzo app screenshot showing an account balance of $1,160.00, a cash back transaction and an Aldi's transaction.

*How does cash back work? You will earn cash back on your first $3,000 of card spend per month for your eligible purchases.

**How does FDIC insurance work? Your funds are held at Lead Bank or Sutton Bank; Members FDIC. 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 FDIC deposit insurance coverage to apply, which you can learn more about here.