Monzo - Mobile Banking 4+

Spend, manage and save money

Monzo Bank Limited

    • 4.6 • 826 Ratings
    • Free

iPhone Screenshots


Did you know that over 6 million people now use Monzo to spend, save and manage their money?

Monzo app is the smart way to take control of your personal finances. Our Mastercard debit card is designed to make your money work for you.


AWARD-WINNING SUPPORT: Get real support from real people, fast. Our award-winning team is here to help you get the most out of Monzo!

ALL YOUR FINANCES AT YOUR FINGERTIPS: Manage multiple bank accounts in one place. Link all your checking, savings, joint accounts, as well as credit cards from other providers, and see them in one easy view.

SAVE: Save with specific goals in mind by dividing your salary and other incoming payments across different Pots. Round up payments and put spare change in a Pot instantly.

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

EASY BUDGETING: Set budgets for things like groceries, or going out. Monzo automatically categorizes your spending so it’s easy to track.

SAY GOODBYE TO FEES: 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.

SEND AND RECEIVE MONEY WITH NO TRANSFER FEES: Pay and get paid in seconds for free, and start spending your money instantly.

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.)

TRAVEL WORRY-FREE: 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.

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. Mastercard is a registered trademark, and the circles design is a trademark of 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 5.16.0

Nothing big to tell you about this week, just the usual fixes and maintenance. But enough about us – how've you been?

Ratings and Reviews

4.6 out of 5
826 Ratings

826 Ratings

Snugglypoop ,

Love this bank!

Monzo (USA customer) is absolutely wonderful, I’m so happy I found it!!

I hate how overly complex most banking apps are - too much noise, notifications, etc. I know myself, for me, less is more when it comes to my finances. Monzo is simple. No fees, no hoopla. I love their salary sorter. I can quickly sort my money into Pots - it’s very set it and forget it. Monzo is my absolute favorite bank!

They also has great customer support. I don’t think I’ve ever had a positive online chat experience in my life, but their chat team was superb!

henry0319 ,

Lots of potential

I like the instant funding option - very convenient. Setting certain transactions as repeating payments is a very nice feature for subscriptions and under the “Payments” tab you can see these recurring payments. I like that you can add notes, tags and receipts to every transaction. The budgeting tool is not very helpful to me personally, but the Trends feature is - it helps to see how you’re using your money. The Pots have a “scheduled payments” option, but it should really say “scheduled transfers” because Pots are not for making payments - they are just to set money aside. To use money from Pots you have to transfer it back to main account. If I could make payments directly from a “Bills” Pot with its own account number then “scheduled payments” would make sense and would be a very useful feature. Spend (checking), Savings and Bills - if I had a separate account number for these three along with some cash back or rewards options on purchases, it would be the perfect banking app for me. This app has a lot of potential.

allichristi ,

Do not get Monzo

This is the worst App I’ve ever had I had $80 in my Monzo account and then they close my account they told me they sent my money to my other bank account but then I contacted my other bank because I never got it and they told me they sent it and now when I contacted and got a hold of Manzo they said I had an overdraft fee of like $100 to my other bank account which I knew and I was not paid off when I got paid the $80 with my emergency fund money but little did I know Mondo a claims that they paid off $80 on my debt
After they told me they sent it to my other bank account which has nothing to do with it so they pretty much messed me up with my grocery money which was $80 until the 11th when I got paid so now me and my son don’t have money for grocery’s till the 11th because of them and they never sent me an email or called me letting me know that they supposedly were going to pay off my other bank account so they Took my money without contacting me and I can’t get into my other bank account at the moment so I don’t even know if they really did pay the $80

Developer Response ,

Hi allichristi, we're happy to resolve any issues immediately is you email us at

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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

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

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

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

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


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