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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 4.14.1

We're making it easier than ever to signup to Monzo, with no more waiting around! Just download the app and apply right away. If you're eligible, you could have your account up and running in 10 minutes or less.

Ratings and Reviews

4.6 out of 5
440 Ratings

440 Ratings

Patel Harshank ,

Highly Recommended for US Customer

I do like the idea but there is no credit card. It’s a online bank only. If they issue a credit card (visa preferred) it will be cherry on top of the cake. I like Monzo’s online bank but I would like them to have a credit card with it. Also, have to add more ATM Access as well as more ways to connect on like Zelle for US customers since Zelle has become one of the industry’s leading ways to share money. Also, support fir PayPal, Venmo and Stripe!

PopeyedThunder ,

Avoid. Awful service

I signed up for an account, and they sent my card to the wrong address. That’s where it all went downhill. Where most banks would have someone you could speak with quickly to update and re-send, they don’t have that option. You need to use the app’s chat function. It took 3 days for someone to respond to my initial message, but apparently the issue was too difficult for that agent, so they needed a “specialist” to get involved. More than two weeks later waiting for someone to get back to me and multiple “we’re so sorry, we guarantee a specialist will get back to you ASAP,” I asked them to close my account. They assured me again it would be resolved quickly, but there was nothing they could do in the meantime. After 3 weeks from my application, I received an email from someone called Eugene telling me that not only did they close my account, but I will never be allowed to open an account with them again? Updating an address for a client is a basic task for any bank. For this company, it may get you banned.

Carainnitblad ,

Highly recommended

highly recommend Monzo for a nice and pleasant experience with banking, so easy so straight forward and simple to use. If you haven’t already I strongly suggest trying it out !!!

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, for example, based on the features you use or your age. Learn More


  • Wallet

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

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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