Put money in your hands
Put money in your hands
More financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.
More financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.
£5 per month
3 month minimum • Must be over 18 • Ts&Cs apply
£5 per month
3 month minimum • Must be over 18 • Ts&Cs apply
Get more financial visibility
Add your other bank accounts and credit cards so they're visible in the Monzo app, then categorise transactions like you do with your Monzo account.
See your balances and transaction history for up to 3 years, and move money around with easy bank transfers.
Stay safe online with virtual cards
We're all shopping online more, so it's important to be extra careful. Keep your physical card details safe by using virtual cards for online payments.
Protect your physical card
Use your virtual cards’ unique details online instead of the ones on your physical card.
Manage online subscriptions
Avoid updating your payment details everywhere because your physical card got lost or stolen.
Have up to 5 at any time
Personalise your cards by giving them names and picking from a range of colours.
Understand your spending better
Create custom categories to group your spending in ways that work for you and your lifestyle.
Divide single transactions into multiple categories to group your spending, your way.
Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.
Earn interest on your money
Get an exclusive interest rate of 4.60% AER (variable) with Plus and Premium on balances up to £100,000 in Personal Instant Access Savings Pots, paid monthly. That's instead of the 4.10% AER (variable) you get with a regular Monzo current account.
Custom spending categories
Personalise your spending breakdown by creating your own spending categories.
£400 fee-free withdrawals abroad
Take out up to £400 cash abroad for free every 30 days. That's double the amount you can withdraw for free with our regular Monzo account.
Advanced roundups
Automatically put 2, 5 or 10 times as much spare change into savings every time you spend.
Track your credit health
See your credit score in the app and how it changes each month.
With helpful guides on how credit scores work and tips for improving yours.
Powered by TransUnion
Treat yourself
RAC Breakdown Cover: Cover from just £4.49 a month. For new customers only. Terms apply.
Laka: At least 10% off cycle insurance every month for a year for new Laka customers
Patch: 15% off all plant and plant pot orders over £50. Learn more
Naked Wines: Over 50% off 6 bottles of wine when you sign up. Learn more
Fiit: 25% off a home workout membership. Learn more
And more. See them all in the app. These may change over time, go to the app to see the latest offer available. Conditions apply
Packed with the best of Monzo
A UK current account
We're a fully licensed UK bank, which means we're authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Protection for your money
Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.
A new way to bank
With features like instant spending notifications, simple ways to send money, Pots for separating it and monthly spending summaries.
Friendly support
Got a problem? We're here to help. Just message us in the app.
Loans and overdrafts
We offer loans up to £25,000 and overdrafts up to £2,000. See if you're eligible without impacting your credit score. For loans, our representative APR is 13.8% for more than £10,000, up to £25,000. For up to £10,000 it’s 26.7%. For overdrafts, it’s 39% APR/AER representative (variable). Our representative APR is 39.0%. You can use the APR to compare the cost of different credit products.
Interest on your savings
Get an exclusive interest rate of 4.60% AER (variable) with Plus and Premium on balances up to £100,000 in Personal Instant Access Savings Pots, paid monthly. That's instead of the 4.10% AER (variable) you get with a regular Monzo current account.
Pick an account
We're making money work for everyone, so we have different accounts for different needs.
Free
A UK current account
With savings, borrowing and overdrafts
Your money is protected by the FSCS
Your eligible deposits are protected by the FSCS up to a value of £85,000 per person
4.10% AER interest (variable)
On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly
Fee-free UK bank transfers
Send money to any UK bank for free
Pots for separating money
Put money aside from your balance
Award-winning support
Through the app, if you need it
Instant notifications
See when, where and how you spend
Apple Pay and Google Pay
Spend using your phone
Spending categories
Get a clear view of your spending
£5 per month
Must be over 18
All free Monzo features
Other accounts, in Monzo
See your other accounts in Monzo
4.60% AER interest (variable)
On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly
Holographic card
Exclusive to Monzo Plus
Custom categories
Plus, divide payments into multiple categories
Virtual cards
Avoid using your physical card online
Advanced roundups
Make your spare change go further
Credit Tracker
See how your credit score changes
Offers
15% off Patch and many more
Fee-free withdrawals abroad
Up to £400 free every 30 days
Auto-export transaction
Live updates to Google Sheets
1 free cash deposit a month
At PayPoints across the UK
£15 per month
Must be aged 18-69
All free Monzo features
All Monzo Plus features
Metal card
Exclusive to Monzo Premium
Phone insurance
Covers loss, damage, theft, and cracks. Exclusions apply
Worldwide travel insurance
Cover for you and your family when travelling together. Exclusions apply
4.60% AER interest (variable)
On balances up to £100,000 in a Personal Instant Access Savings Pot, paid monthly
Get discounted access to over 1,100 airport lounges
You and guests can travel in style
Fee-free withdrawals abroad
Up to £600 every 30 days
5 free cash deposits a month
At PayPoints across the UK
Not sure what to pick?
Compare each account to find the right one for you