More than two million people are using Monzo, with over 35,000 people opening a free account every week.
It’s the bank of the future and you can sign up on your phone in minutes.
And with award-winning customer support from real people, it’s no wonder Which? voted us the Best UK Bank for Customer Service.
Making money work for everyone
The Monzo app helps you get to know your money better. Get on top of your spending with instant notifications every time you pay for something and a simple summary of what money you’re due to have left at the end of each month.
And with Monzo you can use your card abroad stress-free.
Sign up in minutes
You can open a full UK bank account in less than 10 minutes. You can do it all from your phone and you don’t need to provide proof of address (we verify your date of birth instead).
Send money easily
You can do it via bank transfer, like normal. Or you can split bills with a tap, send someone a link without needing their bank details and even pay people near you using Bluetooth.
Keep your money safe
We’re a fully authorised UK bank – which means your money up to £85,000 is protected by the Financial Services Compensation Scheme (or the FSCS for short).
And if you ever lose your card, you can freeze it from in the app. Then defrost it if you find it again.
You make Monzo, Monzo
We’re building a new kind of bank, and we’re building it together. We care about being open and doing what’s right by our customers.
We care so much that we let you vote on things like new features, withdrawal limits when you’re abroad and even our name.
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
Great news for Monzo Plustomers! (See what we did there?) We’re giving you two new features as part of your core bundle, at no extra cost.
- You’ll earn 1.5% AER on all positive balances up to £4,000.
- You’ll also get access to exclusive offers and discounts (including TIDAL, Zipcar and HelloFresh).
We’ve also fixed some scaling issues on smaller phones so our terms and conditions don’t get shrunk down and tricky to read.
Ratings and Reviews
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.
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.
Wonderful app, could use some QOL improvements.
Absolutely adore this app and bank, so much easier than anything you would find with other banks. Only thing I would ask for is a better way of securing the app. I would do this in the form of a touch ID or access pin. It would add an extra layer of security at very little expense to convenience. Other than that, an amazing way to usher in the new generation of banking.
Get all of your passes, tickets, cards, and more in one place.
With Family Sharing set up, up to six family members can use this app.