Over 4 million people now bank with Monzo to spend, save and sort their money.
BANKING MADE EASY
• Get better visibility and more control over all your money. Open a full UK bank account from your phone, for free.
• Or move everything to Monzo using the free Current Account Switch Service. It's fully guaranteed, takes one week and we can set it up in minutes.
PICK AN ACCOUNT THAT SUITS YOU
It's our mission to make money work for everyone, so we've created different accounts for different needs.
• Monzo Plus
The account that puts 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, a holographic card and so much more.
Our original, free account. With instant spending notifications, easy ways to send money, Pots for separating your savings and more.
• Monzo Joint Accounts
Bring your money together with our free joint account. Pool your resources with someone to make life easier to manage. See who's paying for what, set spending budgets and we'll send both of you a separate card.
• Monzo Business Lite
The best of Monzo but for your business, with no monthly fee. A full UK current account including mobile and web access, free instant UK bank transfers, budgeting, digital receipts, award-winning customer support and more.
• Monzo Business Pro
Your business' finances taken care of, for £5 a month. A full UK current account including everything in Business Lite, plus Tax Pots, integrated accounting, multi-user access for limited companies, invoicing and more.
KEEP YOUR MONEY SAFE
• Just like any other bank, your eligible deposits up to £85,000 are protected by the Financial Services Compensation Scheme (or FSCS for short).
• And compared to other UK banks, we're 4x better at stopping card fraud, and 3x better at stopping identity theft.
MANAGE YOUR SPENDING
• Get notified 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). Plus, fee-free spending abroad, and we don't mark up the exchange rate.
GET ON TOP OF YOUR BILLS
• Pick a Pot to pay bills from, so you can't accidentally spend the rent. We'll tell you if they're higher for the upcoming month, and remind you if you're running low. When they're due, we pay them for you - easy.
SAVE FOR THINGS THAT MATTER
• Earn interest from a growing number of savings options. Automatically put money aside when you spend, round up payments to watch the pennies turn into pounds, and choose images to stay focused on your goals.
GETTING PAID WITH MONZO IS MAGIC
• If you're paid by Bacs (most people are!), then we can advance you your salary a day early, for free. Then effortlessly sort your salary between spending, bills and savings. All your money neatly separated so you can't overspend, but still under one roof. A heads up: we can stop offering get paid early, or change this service, at any time.
AND THERE'S MORE...
• Easy, instant bank transfers. Split bills with a tap, and send money with just a link, or over bluetooth to anyone nearby. And we're here with friendly human help, if you need us.
BUILDING WITH YOU
• We've built a new kind of bank, and we've built it together. We care about being open and doing what's right by our customers.
• Our community of customers are at the heart of everything we do: they chose our name, have suggested features and helped us decide what to build. We'd love you to join them.
DON'T JUST TAKE OUR WORD FOR IT
"Monzo? It might just be the future of banking." — The Guardian
"A bank for people who hate banks." — Bloomberg
"Monzo is a bank designed for the world we live in today." — TechCrunch
Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Eligibility and T&Cs apply.
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Ratings and ReviewsSee All
Number 1 online banking in uk
One of the best banks in online and fastest transactions in Uk already recommends a lot of my friends and family👌👌👌
£ Best app out there £
Best banking app, would be better if you had an opportunity to create an european account. I've tried all other similar accounts and monzo is definitely the most user friendly and easy to use. Please add €€€
Rigid workflow, no support
I can’t believe I’m stuck because Monzo cannot list my flat from my postcode ... Worse there is no way to contact Monzo. They take 0 risk.
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