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The UK's fastest-growing bank is coming to the US!

Your Monzo account is instant spending notifications, stress-free traveling, easy budgeting and support from real people, whenever you need it.

Always know how much money you have

Get on top of your spending with instant notifications every time you pay for something, with a balance that updates immediately, not days later.

Use your card anywhere

Whether it's with your hot coral debit card, or Apple Pay, Monzo works all around the world, and you don’t need to tell us when you're going.

Spend for free

We don’t charge fees for spending on your card, we don’t charge overdraft fees and we don’t mark up the exchange rate when you go abroad.

Pay people in seconds

Send and receive money free and instantly with other Monzo users, and say thanks with an emoji!

Stay in control

If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)

Rest easy

Money in your Monzo account is protected by FDIC, so you’re insured up to $250,000, and our anti-fraud systems make sure your money is safe, without adding friction for you.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

Monzo Inc. does not offer or provide banking services on its own behalf or for its affiliates and is not a bank. Monzo Inc. is wholly owned by Monzo Bank Limited. Monzo Bank Limited is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.

What’s New

Version 3.15.0

You can now pick your own PIN when you sign up with us. Sometimes it's the little things.

Ratings and Reviews

4.1 out of 5
137 Ratings

137 Ratings

Mlalibe ,

Great app, could use minor tweaks

Overall I’d highly recommend Monzo, especially if your flat mates or spouse has it too, because it makes transferring money so easy. The app is very user-friendly, making it easy to figure out what you spent where.

My biggest frustration is that it’s easy to for money requests to get lost in the shuffle. Either you send your request in a text (with no proof but the message that will inevitably be buried in the rest of a conversation), or in some cases the request will appear with the rest of your spending (but again, if you don’t repay the person right away, it might get buried in your other transactions). It would be great to have a separate window showing outstanding requests to/from other Monzo users.

I also wish there was a way to easily find your total spending from a certain slice of time, as right now you can only do it by month.

Fawaz Boqammaz ,

Best bank I’ve ever used, BUT .

Monzo for me is the best bank i ever used , for many reasons like the ease of using their app and how it is connected to many amazing features, but i really need an iPad app that can work aside from the app on my iPhone because sometimes it is easier for me to use the iPad at work or at university so i really hope you consider to have a version of your app for iPad snd it is necessary that both apps will work together without signing out of one of the accounts.

Annoyed with the crashing ,

Worsened experience

I generally really enjoy monzo but the app has actually gotten less fun to play around with in one of their recent releases. I don’t know why they took away the graph that shows your spending over the month and where you could scroll back and see the amount you had at any point in time. That was one of the best qualities. Also the international money transfer experience is annoying as you always have to add the international recipient over and over again, they don’t let you save. Overall I like monzo but the app has definitely gotten worse.


Monzo Bank Limited
318.8 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


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