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 * PERSONAL
   
   
   * CURRENT ACCOUNTS
     
     It all starts with our personal current account.
     
     * Personal account
     * Joint account
     * 16-17s account
   
   
   * PLANS
     
     More benefits for your personal account from £3 per month.
     
     * Extra
     * Perks
     * Max
   
   
   * FEATURES
     
     * Pots
     * Cashback
     * Fee-free travel
     * Overdrafts
     * Spend with friends
     * Get paid early
     * Refer a friend
     * Switch to Monzo
   
   
   * SAVINGS
     
     * Savings features
     * Instant access savings
     * Compare savings accounts
   * Investments
   
   
   * CREDIT CARDS AND LOANS
     
     * Flex credit card
     * Loans
     * Overdrafts
   
   
   * HELP AND SUPPORT
     
     * Help centre
     * Security at Monzo
     * Staying safe from fraud
     * Support with money worries
     * Switching to Monzo
     * Plus help
     * Premium help


 * BUSINESS

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MAKE YOUR MONEY MORE MONZO

Automate bills. Organise how you spend. Save in clever new ways.

Open a full UK current account in 15 minutes, for free.

Download your new favourite bank

UK residents only. Ts&Cs apply.

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9 MILLION PEOPLE BANK WITH MONZO. JOIN THEM.




Get a fully regulated UK current account on Britain’s Best Banking App.

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.

Apply in 15 minutes


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).

Apply in 15 minutes


GROW (AND GROW AND GROW) YOUR MONEY


EARN 4.10% AER INTEREST (VARIABLE)

Earn 4.10% AER (variable) on your money with an Instant Access Savings Pot.
There’s no minimum deposit, and you can access your money anytime.

Explore Savings Pots


INVEST IN YOUR FUTURE

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.

Explore Investments


SAVE AS YOU SPEND

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 Features


BANISH BILL ADMIN

Set 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.

Split bills with Monzo


FREE YOURSELF FROM TRAVEL FEES


GET THE REAL EXCHANGE RATE

We don’t charge fees for spending on your card abroad, and we pass Mastercard's
exchange rate directly 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 Monzo


SPEAK TO US WHEREVER, WHENEVER

We 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:

MONEY BETTER WITH ADVANCED TOOLS




4.60%

AER (VARIABLE) INTEREST ON INSTANT ACCESS SAVINGS POTS AND CASH ISA

SAVE FASTER, ACCESS ANYTIME



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 apply


CHOOSE HOW YOU BORROW MONEY

Whether 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

Explore loans


WE’RE SERIOUS ABOUT YOUR SECURITY

We use industry-first technology, like a tool that tells you whether or not
you're speaking to a scammer in real time, to keep you safe. You can freeze your
card instantly if you need to, or speak to one of our experts in-app if
something doesn’t feel right.

Security at Monzo


EVERYTHING YOU WANT AND NEED FROM YOUR BANK, IN ONE HOT CORAL PACKAGE.


A FULLY LICENSED UK BANK

That means we're regulated by the Financial Conduct Authority and the Prudential
Regulation Authority.


PROTECTION FOR YOUR MONEY

The Financial Services Compensation Scheme (FSCS) protects all your eligible
deposts 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 4.10% AER (variable) paid monthly with an Instant Access Savings Pot.
There’s no minimum deposit, and you can access your money anytime.

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


DOWNLOAD YOUR NEW FAVOURITE BANK

Download the Monzo app on iOS or Android and join more than 9 million people
who've changed the way they bank.


 * Help centre
 * About us
 * Monzo US
 * Blog
 * Press
 * 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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