Open an Account for FREE!
Interest earned
Interest for May so far
Get paid one business day early 💸
When paid by Bacs 🎉
Cashback offers
On top brands
UK residents. Ts&Cs apply.
Banking never felt like this!
2-10% cashback
On your favourite brands
Personal cashback offers vary
Get paid one business day early 💸
When paid by Bacs
Settle up seamlessly
Split bills in the app
No fees when you pay by card
No foreign transaction fees
ATM Fee-free allowance
For 30 days £200.00 left of £200
Pay anywhere, in any currency
Your bank account for going abroad
11 million personal and business customers bank with Monzo.
Make your account feel more you with custom Pots. Use them to separate your money, save, and sort bills.
Learn about your spending habits with weekly and monthly insights.
Get to know where your money goes!
See instant notifications the second you pay. Then set budgets for things like groceries and going out, and get alerts if you’re spending too fast (if you want them).
Grow (and grow and grow) your money!
Earn 3.50% AER interest (variable) Paid monthly with an Instant Access Savings Pot or Instant Access Cash ISA. Deposit up to £500,000 with no minimum deposit, and access your money at any time.
Explore Savings Pots
Invest as little as £1 in a choice of 3 investment options, and the experts will take care of everything for you.
The value of your investments could go up or down and you could get back less than you put in.
Every time you spend money, we’ll round it up to the nearest pound and put the spare change in a Pot for you. All you need to do is switch on roundups. People on Monzo save on average £100 extra each year this way.
Explore Savings FeaturesSet up Direct Debits and standing orders to come directly from a Pot. So things like your council tax, Wifi and gas bill can come straight out of your Bills Pot. We’ll also let you know if a bill’s more expensive than it was last month, so there’s no nasty surprises.
Organise bills with Monzo
Spend with friends!
We’ve been saving the nation from sending awkward ‘pay-me-back’ texts since 2018.
Split bills, send payment reminders, and stay on top of joint costs.
We’ll work out who owes what and make it easy to settle up, even if someone’s not on Monzo.
Get the real exchange rate We don’t charge fees for spending on your card abroad, and we pass Mastercard's exchange ratedirectly onto you, without extra charges. Stay in the know You’ll see the real exchange rate in the app when you land. We'll also send you a spending report so you can look back on the cost of your trip.
Make free cash withdrawals If Monzo is your main bank account, make unlimited fee-free cash withdrawals abroad in the European Economic Area (EEA), and up to £200 every 30 days for free outside the EEA. After that, we’ll charge 3%.
Travel with MonzoWe don’t have opening or closing hours. That means you can speak to a real-life human through in-app chat, whenever you need to, wherever you are.
Get more bank for your buck! Upgrade your personal current account based on what’s important to you. Here’s what you get with Max, our top plan:
Master your money with our best tools 4.00%AER (variable) interest on Instant Access Savings Pots and Cash ISA Our best savings rates Greggs for cravings, Railcard for savings Travel and phone insurance, plus breakdown cover Protect the things that matter the most Explore plans Aged 18+ (18-69 for Max) • UK residents • Ts&Cs applyWhether you need an overdraft to cushion your current account or a loan for bigger buys, we’ve got options.
Overdrafts Explore overdrafts Flex Credit Card Explore Flex Loans LoansOur innovative technology is designed to stop scammers in their tracks. Like our trio of extra security controls, which you can turn on for added protection. Use known locations, a secret QR code, or trusted contacts to stay safe when making large payments.
Security at MonzoA fully licensed UK bank Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Protection for your money The Financial Services Compensation Scheme (FSCS) protects your eligible deposits in Monzo up to a value of £85,000 per person. A better way to manage cash With features like in-app cheque deposits, and cash deposits across all UK Post Offices and PayPoints.
24/7 customer support We don’t have opening or closing hours. Message us in the app whenever you need help, wherever you need it. Loans and overdrafts We offer loans up to £25,000 and overdrafts up to £2,000. You can check if you're eligible without affecting your credit score. Interest on your savings Earn 3.50% AER (variable) paid monthly with an Instant Access Savings Pot. Deposit up to £500,000 with no minimum deposit, and you can access your money anytime.Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.
