Monzo - Mobile Banking 4+

Spend, save, manage your money

Monzo Bank Limited

    • 4.7 • 1.8K Ratings
    • Free

iPhone Screenshots


Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.

Open a personal or joint checking account in just a few minutes.


Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of nearly 40,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.


Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.


Set aside money for trips, bills, emergency funds, and more in a Savings Pot.
Set a goal on a Pot and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.


Your money is FDIC insured up to $250,000
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.


Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

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.

What’s New

Version 5.61.0

We're back with our usual round of bug fixes and improvements this week. Nothing too flashy, just keeping things running smoothly.

Ratings and Reviews

4.7 out of 5
1.8K Ratings

1.8K Ratings

Blakedd ,

Update to my account being frozen

Previously I posted a review of Monzo when they had frozen my account with all my money in it and no response. A few hours later I reached the UK Monzo who explained it was under review and they would let me know when they are done. Well ir suddenly hit me It's because I founded my account with my other banks debit card for $2k and my account less than a month ago. But they couldn't confirm if it's what caused my account being reviewed. So I sent them a picture of the debit card I used to pay with and my driver's license. Less than one hour later my account was unfroze. NOW I LOVE MONZO! and the fact I can add funds from my other debit cards (only mine) much easier to move funds quickly when I'm traveling to avoid the foreign transaction fees and Monzo works worldview no foreign transaction fees. Plus they can be linked to your banks via plaid. Thanks Monzo for changing my mind completely about your bank

Developer Response ,

Hey Blake 👋 We're glad to hear we were able to get things sorted! Appreciate your patience while we work to keep your account and money safe. 🔒

If you need help with anything else in the future, chatting with us in the app is typically the fastest way to get in touch, or you can also email us at

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.

anna_bklyn ,

Amazing for Budgeting and Traveling

Features that I love in Monzo after using it more than a year are instant notifications every time I spend on my Monzo card, the bright neon card color, connecting my other banks and credit cards so that I can see all of my transactions in one place. Custom categories are a life saver as they allow me to see exactly where my money is going! And Monzo is always the card that I take traveling when I’m abroad for no fees on card spend and ATM withdrawals. Their customer service are also quick to respond and super helpful! Would highly recommend!

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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