Banking made easy

Spend, save and manage your money, all in one place. Open a full UK bank account from your phone, for free.

Join the 5,234,931 people with a Monzo bank account

Monzo Premium

Banking that makes a statement

Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more.

Monzo Plus

Put money in your hands

Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and much more.

Save

Earn up to 0.45% (AER/Gross fixed) interest on your savings. That’s on a 12-month Fixed Pot with a £500 minimum deposit to open. (Fixed means the money will be locked away for 12 months while you earn interest on it.)

We offer Easy Access Savings too, which let you get your money the next working day!

Manage

Pay Direct Debits through Monzo and we’ll tell you if they’re higher for the upcoming month. So no nasty surprises.

Spend

Get instant notifications the second you pay. Set budgets for things like groceries and going out, and get warnings if you’re spending too fast (if you want them).

Travel

Use Monzo anywhere in the world that accepts Mastercard. We don’t charge any fees for spending abroad, and we don’t mark up the exchange rate – unlike most other banks.

Borrow

We offer overdrafts up to £1,000 and loans up to £15,000. Checking if you're eligible won't leave a mark on your credit score, there are no lengthy forms to fill in, and no charges for paying us back early.

Stay Safe

Your money in Monzo is FSCS protected up to £85,000. Compared to other UK banks, we’re 4x better at stopping card fraud, and 3x better at stopping identity theft.

Independent service quality survey results

Personal current accounts

Published February 2021

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

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Help us build the kind of bank you want to use

Download the Monzo app on iOS or Android and join the 5.23M people who've changed the way they bank.