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Banking made easy
Spend, save and manage your money, all in one place. Open a full UK bank account from your phone, for free.
UK residents only Ts & Cs apply.
Trustpilot
Join more than 9 million people with a Monzo bank account
Apply for a full UK current account in 15 minutes
Organise your money however you like with Pots
See your money in a whole new light with Trends
Save
Earn up to 4.90% (AER/Gross fixed) interest on your savings. That’s on a 6-month Fixed Pot with a £500 minimum deposit to open. (Fixed means the money will be locked away for 6 months while you earn interest on it.)
We offer Easy Access Savings too, which let you get your money the next working day!
Spend
Get instant notifications the second you pay. Set budgets for things like groceries and going out, and get warnings if you’re spending too fast (if you want them).
Manage
Pay Direct Debits through Monzo and we’ll tell you if they’re higher for the upcoming month. So no nasty surprises.
Online banking that makes a statement
Turn heads with our white metal card, made from steel. Enjoy peace of mind with phone and travel insurance, interest and much more. Monzo Premium is £15 per month • 6 month minimum • Must be aged 18-69 • TsCs apply
Put money in your hands
Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and much more. Monzo Plus is £5 per month • 3 month minimum • Must be aged 18+ • TsCs apply",
Using Monzo abroad
Use Monzo anywhere in the world that accepts Mastercard. We don't charge any fees for paying abroad and we pass Mastercard's exchange ratedirectly onto you, without sneaky fees or extra charges.
Credit with a dash of Monzo magic
Use Monzo Flex to get more time to pay for pretty much anything. It’s 0% interest when you pay in full on your next payment date or in 3 monthly payments. For more wiggle room it’s 29% APR representative (variable) when you pay in up to 24 monthly payments.
Representative example: 29% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 29% (variable). Eligibility criteria and Ts&Cs apply. 18+ year olds only. Missed payments can negatively impact credit scores and you may lose the interest-free rate on existing plans.
Credit with a dash of Monzo magic
Use Monzo Flex to get more time to pay for pretty much anything. It’s 0% interest when you pay in full on your next payment date or in 3 monthly payments. For more wiggle room it’s 29% APR representative (variable) when you pay in up to 24 monthly payments.
Representative example: 29% APR representative (variable), with an assumed credit limit of £1,200 and an annual interest rate of 29% (variable). Eligibility criteria and Ts&Cs apply. 18+ year olds only. Missed payments can negatively impact credit scores and you may lose the interest-free rate on existing plans.
Protect yourself from fraud
Don’t make payments or share your data if something seems unusual or unexpected - stop and challenge. Take a look at some common scams and learn how they work so you can keep your money safe. Fraudsters are clever and use sophisticated tactics, so knowing what to look out for can help stop them.
Keep your money safe
Cutting-edge technology, FSCS protection and 24/7 support if you need us urgently. Just a few of the reasons over 9 million customers trust us to keep their money safe.
Help us build the kind of bank you want to use
Download the Monzo app on iOS or Android and join more than 9 million people who've changed the way they bank.
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