Personal Accounts with Monzo

Unlock the full potential of your money with a Monzo personal account — designed to help you see, spend, and save with ease and confidence

Open a personal account

Protection for your money

Monzo accounts are FDIC insured up to $250,000 per ownership category, should the bank holding your funds fail.

Support from real humans

Our friendly support team is here for you when you need it. Whether you have a question or need help, chatting with us is just a tap away.

40,000+ fee-free ATMs nationwide

Get cash without stress and without fees, thanks to our network of over 40,000 fee-free MoneyPass ATMs.

Goodbye fees, hello freedom

We're all about transparency, and that means no hidden fees. Monzo's personal account offers you the best way to see, spend, and save your money without those pesky extra charges.

  • No monthly fees: keep more of your hard-earned cash

  • Free debit card: your trusty sidekick for spending and saving

  • No overdraft fees: flexibility for those unexpected moments

  • No foreign exchange fees: travel abroad without surprises

Get paid early and plan ahead

Why wait for payday when you can get a head start? Get paid up to 2 days early when you set up direct deposit. That means more time to plan, save, or celebrate a little.

Your money, safe and secure

We take security seriously. Monzo's personal account comes with top-notch security features, so you can save with confidence.

  • $250,000 FDIC insurance: Rest easy knowing your funds are protected*

  • Biometrics and PIN protection: Advanced security for your peace of mind

  • Instant notifications: Stay in the know with real-time transaction alerts

  • Freeze card: Pause transactions instantly if your card goes missing

Worry-free travel? Yes, si, oui

Travel everywhere with confidence - no matter where life takes you. Our personal account makes spending abroad a breeze.

  • Use anywhere Mastercard is accepted: shop, dine, and experience the globe with ease

  • Transparent pricing: no exchange rate surprises, hidden fees, or extra charges. We pass Mastercard’s exchange rate directly onto you.

Sign up for a Monzo account in less than 10 minutes

Download the Monzo app and join 7 million people who've changed the way they see, spend, and save their money.

Apply for a Monzo account

Existing customers can get help via the app

This website is operated by Monzo Inc. Monzo reserves the right to restrict or revoke any and all offers at any time. The Monzo mobile banking app facilitates access to banking services through Sutton Bank, Member FDIC. The Monzo Mastercard Debit Card is issued by Sutton Bank, pursuant to a license from Mastercard International Incorporated. Monzo accounts are FDIC insured up to $250,000 per ownership category, should the bank holding your funds fail. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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