Monzo Bank - Mobile Banking 4+

Spend, manage and save money

Monzo Bank Limited

    • Free

iPhone Screenshots


Did you know that over 6 million people now bank with Monzo to spend, save and manage their money? With instant notifications for spending and more control over your money, the Monzo banking app is the smart way to manage all of your personal and business finances.

Open a full UK bank account and move everything to Monzo using the Current Account Switch Service. It's fully guaranteed and we can start your switch in minutes.

Why Monzo?
- Organise your current account with Pots and keep cash separate
- Set budgets for things like groceries or going out and receive warnings if you're spending too fast
- Let the app send you notifications every time money enters or leaves your bank account
- Fee-free spending on your card abroad
- Split bills, share tabs and send money to friends with ease.
- Earn interest from a growing number of savings options
- Set money aside automatically when you spend. Round up payments and watch the pennies turn into pounds
- If you're paid by BACS (like most people), let Monzo bank your salary a day early – for free!
- Switch your energy bill in the app. Start saving and receive a £40 credit.

Say hello to Monzo Flex
With Flex, you can pay later for pretty much anything in your own time. Spread the cost over 3 interest free instalments, or if you want longer to pay, it’s 19% APR representative (variable) over 6 or 12 instalments. Turn almost any purchase into instalments, like new headphones or tyres for your car. You can flex purchases in-store or online, including eligible purchases from 2 weeks ago.

With Flex, you can edit your instalment plans at any time. Got paid a little extra? Pay off your Flex balance early with no fees. Need more time? Pay it back over a longer period with a single tap. See if you are eligible and sign up in under 10 minutes. Get flexing today!

Choose a bank account to suit:

Monzo Free - our original, free bank account that offers;
- A UK current account with savings, borrowing and overdrafts
- Instant notifications
- Pots for separating money
- Spending categories
- Award-winning support

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.

Monzo Plus - upgrade your Free personal bank account to Monzo Plus to unlock amazing features that'll help you achieve your goals faster. Users also receive;
- £400 in fee free overseas withdrawals every month
- Spending categories and virtual cards
- a 1.00% AER/Gross (variable) interest rate on balances up to £2,000

£5 per month. 3 month minimum. Must be over 18. Ts and Cs apply.

Monzo Premium - upgrade your Plus or Free personal account to Monzo Premium and create your own banking statement with a card made of steel plus;
- worldwide phone and travel insurance for the whole family (Ts and Cs apply)
- a 1.50%/1.49% AER/Gross (variable) interest rate on balances up to £2,000
- £600 in fee free overseas withdrawals every month
- discounted access to over 1,000 airport lounges worldwide for you and your friends.

£15 per month. 6 month minimum. Must be aged 18-69. Ts and Cs apply.

Monzo Joint Accounts
Bring your money together with our free joint account. Pool your resources with someone to make life easier to manage.

Monzo Business Pro
Get a full UK business account including everything in Business Lite, plus Tax Pots, integrated accounting, multi-user access for limited companies, invoicing and more, for only £5 per month. Ts and Cs apply.

Monzo Business Lite
The best of Monzo but for your business with no monthly fee.

Need support? Chat in app, call or email any time. There’s no need for branches and no need to make an appointment.

Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority . Our Financial Services Register number is 730427.

What’s New

Version 4.43.0

We fixed an issue folks on iOS12 might’ve experienced when they tried to create an international transfer. So sending money abroad should be as smooth as beurre, burro and boter (that’s butter in French, Italian and Dutch).

Ratings and Reviews

4.9 out of 5
110K Ratings

110K Ratings

Hassan2205 ,

Absolutely Amazing

I originally saw people paying with Monzo when I used to work in retail. I’ve been with Monzo for over 2 years now. They are by far the best Bank I have had dealings with, you can see the time and effort that goes into this online bank and I am 100% sure others like me really appreciate how simple and easy going this bank is.

The reason why I’m writing this review is because they recently temporarily blocked my account for unusual activities, which can be distressing to see however I have done the same sort of transactions with my other bank accounts and not one of them flagged that as suspicious. Which weirdly enough doesn’t give me much confidence in holding my funds in those other accounts. The whole process of Monzo blocking my account didn’t really scare me or cause me much distress as they directed me towards a blog which gave me all the information on what I need to know and it gave me a peace of mind. Before I knew it they updated me through the app, telling me they have completed their checks and I can proceed to use my account again.

thank you very much Monzo

Christopher Stott ,


I’ve been with Monzo for several years now and while I generally find the app to be good and feature wise, ahead of the curve compared to the big banks, it’s just not reliable enough. There have been several occasions where the app has just stopped working for no apparent reason, requiring a complete reinstall to get working again. Today was the worst yet. I have just endured through a panic stricken 15 minutes trying to withdraw money from a savings account only to be repeatedly presented with “time-out” messages, and similar error messages in other parts of the app. Absolutely nothing in the app was working at all, not even the help section, so it was impossible for me to contact support. Logging out caused the app to crash and I was then unable to log back in. Alternative methods of contact are not shown anywhere and the help section on the website is useless, blaming my internet connection or email account (which are both working perfectly). Deleting the app and reinstalling it fixed the issue but I would not have known to do this, and would have had no way to find out, had I not been previously told to do so last time something went wrong. I’m going to switch I think, once I’ve emptied my savings account. For a bank that operates ENTIRELY within an app, even occasional episodes such as this are totally intolerable, especially if I’m going to be cut off from support at the exact time that I need my money.

HirtheryDurthery ,

Great bank that is gradually getting worse.

I’ve loved Monzo and have been using it as my main bank account since my Beta account became a current account for it’s amazing instant transactions, ease of use with friends, customer support chat, and great international rates while feeling like quite a real bank. However, as time goes on I have seen Monzo evolve to include ridiculous offers of the premium service which really doesn’t feel like you’re getting anything good for the money with incredibly low interest offering, features that you can get for free elsewhere, and ‘exclusive deals’ that feel like Monzo were paid to include and are definitely far from exclusive to Monzo premium. With premium it also makes the general current account feel very cheap as the app constantly reminding you to go premium, especially with the year in Monzo review. It is very off putting. On top of this, Monzo bringing in limited free card replacements (or none and limited cash withdrawals of you don’t meet a certain criteria) makes Monzo a bank I really no longer can recommend (after convincing 15-20 people to join). This is the only notable bank I know which charge for card replacements, and charges for cash deposits. Now I can only recommend, and am even considering switching to either Starling Bank, which hasn’t got any of these issues mentioned, or to just opt for a high street bank which I would have never thought to recommend.

App Privacy

The developer, Monzo Bank Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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