Monzo makes money work for everyone.
Instant spending updates. Smart budgeting. Great rates abroad.
We’re a bank, but we’re trying not to think like one. Open an account with us in minutes, and start getting to know your money better.
We’ve been busy for the last few years building the best current account in the world. Now more than 1,000,000 people use Monzo to manage their money and spend around the world. Download the app today to join them.
Manage your money
- Set spending targets
Set monthly targets for spending on things like groceries and going out.
- See an easy summary
See an overview of your account any time, with notifications if you’re spending too fast.
- Get instant notifications
Get a notification the moment you use your card, before the receipt finishes printing.
- Use your card anywhere
Monzo works all around the world, and you don’t need to tell us if you’re going away.
- Take out cash
Withdraw up to £200 every 30 days for free (there’s a 3% charge after that).
- Spend for free
We don’t add any fees or charges for spending with your card, and we don’t mark up the exchange rate.
Send money fast
- Pay people in seconds
Send bank transfers that arrive pretty much instantly.
- Set up Direct Debits and standing orders
Manage recurring payments from your app.
- Split the bill
Split through the app and we’ll do the maths for you.
Keep your money safe
- 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.)
- Rest easy
We’re part of the FSCS, so your money is protected up to £85,000.
24/7 real-live human customer support
Fair and transparent overdrafts
Full Apple Pay support
What people are saying about Monzo:
“Monzo? It might just be the future of banking.” — The Guardian
“A bank for people who hate banks.” — Bloomberg
“Monzo is a bank designed for the world we live in today.” — TechCrunch
Joint account friends! If you’ve been waiting to make the switch and go full Monzo, rejoice. You can now use the Current Account Switch Service (CASS) to move your joint account across to Monzo. It’s free, takes a week, and we do all the admin for you. Kick off your switch from the Profile section of your Account tab.
Ratings and Reviews
Great app, could use minor tweaks
Overall I’d highly recommend Monzo, especially if your flat mates or spouse has it too, because it makes transferring money so easy. The app is very user-friendly, making it easy to figure out what you spent where.
My biggest frustration is that it’s easy to for money requests to get lost in the shuffle. Either you send your request in a text (with no proof but the message that will inevitably be buried in the rest of a conversation), or in some cases the request will appear with the rest of your spending (but again, if you don’t repay the person right away, it might get buried in your other transactions). It would be great to have a separate window showing outstanding requests to/from other Monzo users.
I also wish there was a way to easily find your total spending from a certain slice of time, as right now you can only do it by month.
Best bank I’ve ever used, BUT .
Monzo for me is the best bank i ever used , for many reasons like the ease of using their app and how it is connected to many amazing features, but i really need an iPad app that can work aside from the app on my iPhone because sometimes it is easier for me to use the iPad at work or at university so i really hope you consider to have a version of your app for iPad snd it is necessary that both apps will work together without signing out of one of the accounts.
Fantastic App, tried and tested
This app was recommended to me by a family member who has used this app before, the app itself is seamless, logical and user friendly. It has worked perfectly and effectively in 3 different continents I have been to recently and all the fees I may or may not incur are clearly indicted to you from the start. Plus the card looks cool.
Get all of your passes, tickets, cards, and more in one place.
With Family Sharing set up, up to six family members can use this app.