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Explore our new upgrade plans!


BANKING MADE EASY

Spend, save and manage your money, all in one place. Open a full UK bank account
from your phone, for free.

Open a Monzo account

UK residents only. Ts&Cs apply.

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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

Open a Monzo account


SAVE

Earn up to 4.86% (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!

Saving with Monzo


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.


GET MORE LIFE FOR YOUR MONEY

Monzo Max comes with worldwide travel and phone insurance, UK & Europe breakdown
cover, advanced money management tools, a weekly Greggs treat, an annual
Railcard, and 4.60% AER (variable) interest on Instant Access Savings Pots.

Max starts at £17 a month • Aged 18-69 • UK resident • Ts&Cs apply

Explore Max



MAKE MONEY THAT BIT EASIER

Monzo Extra lets you unlock the best in Monzo money management: see your other
banks in one place, dig into your credit health, group and label purchases your
way, and more.

Extra is £3 a month • Aged 18+ • UK resident • Ts&Cs apply

Explore Extra



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.

Travelling with Monzo


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.

Explore Monzo Flex

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.


LOANS AND OVERDRAFTS

We offer overdrafts up to £2,000 and loans up to £25,000. Checking if you're
eligible won't leave a mark on your credit score, there are no lengthy forms to
fill in, and no charges for paying us back early.

Borrowing with Monzo

Our representative APR for loans of more than £10,000 and up to £25,000 is 14.8%
APR. For loans up to £10,000 it's 25.4% APR.

Representative example: Borrowing £5,000, over 36 months, with 35 monthly
repayments of £194.00 and one final payment of £151.81, at a simple annual
interest rate of 22.9% (fixed), with a representative 25.4% APR, the total
amount you'll repay is £6,941.81. Correct as of 02/05/24.

How does our overdraft compare? Our representative APR is 39.0% APR
representative (variable). You can use the APR to compare the cost of different
credit products.


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.

Protect yourself from fraud


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.

Find out more


COMPARE PLANS

We're making money work for everyone, so we have different plans for different
needs.

Free

Extra

Perks

Max

Free

months minimum


FREE

Free

months minimum



 * A UK current account

 * Your eligible deposits are protected by the FSCS up to £85,000 per person

 * All the Monzo features you know and love

 * 4.10% AER (variable) interest, paid monthly

Get Free

Aged 16+ • Ts&Cs apply


EXTRA

£3 a month

months minimum

Includes all features from Free

 * A UK current account

 * Your eligible deposits are protected by the FSCS up to £85,000 per person

 * All the Monzo features you know and love

 * 4.10% AER (variable) interest, paid monthly

Includes everything from Free, plus:

 * Connected banks and credit cards

 * Virtual cards

 * Advanced roundups

 * Custom categories

 * Auto-spreadsheet

 * Credit insights

 * Fee-free withdrawals up to £200

Get Extra

Aged 18+ • Ts&Cs apply


PERKS

£7 a month

months minimum

Includes all features from Free

 * A UK current account

 * Your eligible deposits are protected by the FSCS up to £85,000 per person

 * All the Monzo features you know and love

 * 4.10% AER (variable) interest, paid monthly

Includes all features from Extra

 * Connected banks and credit cards

 * Virtual cards

 * Advanced roundups

 * Custom categories

 * Auto-spreadsheet

 * Credit insights

 * Fee-free withdrawals up to £200

Includes everything from Free, Extra, plus:

 * 4.60% AER (variable) interest, paid monthly

 * Fee-free withdrawals up to £600

 * 3 fee-free cash deposits

 * Discounted investment fees

 * Annual Railcard

 * Weekly Greggs treat

Get Perks

Aged 18+ • Ts&Cs apply


MAX

From £17 a month

3 months minimum

Includes all features from Free

 * A UK current account

 * Your eligible deposits are protected by the FSCS up to £85,000 per person

 * All the Monzo features you know and love

 * 4.10% AER (variable) interest, paid monthly

Includes all features from Extra

 * Connected banks and credit cards

 * Virtual cards

 * Advanced roundups

 * Custom categories

 * Auto-spreadsheet

 * Credit insights

 * Fee-free withdrawals up to £200

Includes all features from Perks

 * 4.60% AER (variable) interest, paid monthly

 * Fee-free withdrawals up to £600

 * 3 fee-free cash deposits

 * Discounted investment fees

 * Annual Railcard

 * Weekly Greggs treat

Includes everything from Free, Extra, Perks, plus:

 * Personal worldwide travel insurance – provided by Zurich, powered by Qover

 * Personal worldwide phone insurance – provided by Assurant

 * Personal UK & Europe breakdown cover - provided by RAC

 * Add your family to your insurance and cover for an extra £5 a month

Get Max

Aged 18-69 • Ts&Cs apply


WANT TO DIVE DEEPER?

View our detailed comparison table to get the full picture

Get all the details
Published February 2024


INDEPENDENT SERVICE QUALITY SURVEY RESULTS

Personal current accounts

As part of a regulatory requirement, independent surveys were conducted to ask
customers of the largest personal current account providers in Great Britain and
Northern Ireland if they would recommend their provider to friends and family.
The results represent the view of customers who took part in the survey.


GREAT BRITAIN

View full results for Great Britain


NORTHERN IRELAND

View full results for Northern Ireland
Published October 2023


AUTHORISED PUSH PAYMENT (APP) FRAUD RANKINGS IN 2022

Authorised push payment (APP) fraud happens when someone is tricked into
transferring money to a fraudster's bank account.

These charts use data given to the Payment Systems Regulator (PSR) by major
banking groups in the UK in 2022.

You can read the full report by visiting www.psr.org.uk/app-fraud-data


SHARE OF APP FRAUD REFUNDED

This data shows the proportion of total APP fraud losses that were reimbursed,
out of 14 firms. Higher figure is better.

See full results


APP FRAUD SENT PER £MILLION TRANSACTIONS

This data shows the amount of APP fraud sent per million pounds of transactions,
out of 14 firms. Lower figure is better.

See full results


APP FRAUD RECEIVED PER £MILLION TRANSACTIONS: SMALLER UK BANKS AND PAYMENT FIRMS

This data shows the amount of APP fraud received per million pounds of
transactions, ranked out of 20 firms. Lower figure is better.

See full results


APP FRAUD RECEIVED PER £MILLION TRANSACTIONS: MAJOR UK BANKS AND BUILDING
SOCIETIES

This data shows the amount of APP fraud received per million pounds of
transactions, ranked out of 20 firms. Lower figure is better.

See full results


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.

Apply for a Monzo account
 * About us
 * Monzo US
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 * Careers
 * Our social programme
 * Accessibility
 * Lost your phone and card?
 * Investor Information
 * Supporting all our customers
 * How we can support with money worries
 * Helping everyone belong at Monzo
 * How we protect you
 * Our tone of voice
 * Business Accounts
 * Modern Slavery Statement
 * FAQ
 * Terms & Conditions
 * FSCS information
 * Privacy Notice
 * Cookie Notice
 * Browser Support Policy
 * Mobile Operating System Support Policy
 * Information about our Personal Current Account Services
 * App and Open Banking Performance




Existing customers can get help via the app

Monzo Bank Limited is a company registered in England and Wales (No.09446231).
Monzo Bank Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our financial Services Register number is 730427. Our address is
Broadwalk House, 5 Appold St, London EC2A 2AG.




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