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Spend, save and manage your money with a bank that lives in your phone.

• Organise your money with Pots

Organise your current account with customisable Pots. Pots keep cash separate from your main balance – like bills, groceries and holidays. So you can cover regular outgoings (and look after your savings) without having to dip into your everyday balance.

• Instant updates

Monzo sends you instant notifications every time money enters or leaves your bank account, so you never miss a beat.

Just been paid? We'll tell you. Takeaway ordered? We'll tell you. Booked an underwater pottery class? You guessed it, we'll tell you.

• Leave the maths to Monzo

Split bills, share tabs and send money in a few taps from your Monzo app. So there's no need to pore over a receipt after dinner with friends or send awkward pay-me-back texts the next day.

• A better way to pay later

Monzo Flex is a great way to spread the cost of purchases, and you can use it pretty much anywhere you use Monzo, on pretty much whatever you want. One up-front application and, if eligible, a pre-agreed credit limit, all in your Monzo app with 3 instalments at 0% interest, or 6 and 12 instalments at 19% APR (variable). You can even turn back the clock and use Flex on an existing Monzo transaction made in the last two weeks.

• Rest easy

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

See a payment on your account you're not too sure about? Freeze your card in one tap to keep your account safe. And if it turns out to be that late night pizza you forgot you ordered, you can defrost your card and keep on using it.


Upgrade your personal account to Monzo Plus to unlock amazing features that'll help you achieve your goals faster, and get a shiny new holographic card too.

Connect your other bank accounts and credit cards to get full visibility of all your finances. Get personalised insights into your money so you know what to cut down, or keep doing. Pay for upcoming holidays or particular purchases directly from set budgets for pure separation of your spending.

All this and much more when you subscribe to Monzo Plus for £5 a month for a minimum of 3 months (you'll need to be over 18).


Upgrade to Monzo Premium to get everything you get with Monzo Plus, as well as a metal debit card made from a single sheet of steel, extensive insurance cover and more.

Know that you're taken care of with worldwide, multi-trip travel insurance covering you and your family.

Also included is full phone insurance, covering theft, loss and accidental damage – even cracked screens – of phones worth up to £2,000. After all, what good would a mobile bank be if we didn't look after the place we live? Read the Ts&Cs for the full details.

All this and more when you subscribe to Monzo Premium for £15 a month for a minimum of 6 months (and you'll need to be 18-69 years old).


Looking for a business account that just works, so you can too? Stay on top of your capital budgeting without paying a penny with Monzo Business Lite. Use the Get Paid tab to create payment links in seconds, offer customers simple ways to pay by card or easy bank transfer, and track all your payments at a glance.


Take your business finances to the next level with Monzo Business Pro for £5 a month. On top of everything you get with Monzo Business Lite, Monzo Business Pro lets you create invoices your customers can pay in a few taps, so you can get paid the easy way. Integrate your accounting tools and enjoy exclusive offers, like free use of cloud accounting platform Xero for 6 months.

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

What’s New

Version 4.14.1

Now you can invite your friends to join Monzo, and we'll give you both £5! Find your invite in the Payments tab, and share it with anyone who doesn't have Monzo.

Ratings and Reviews

4.9 out of 5
82.6K Ratings

82.6K 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 Linked to You

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

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

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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