The debit card that helps you save

Cash back on your Monzo debit card.* High-interest savings. Manage all your money in one app.

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*Subscription applies. Monzo Pro is $10 a month. Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank or Sutton Bank; Members FDIC. T&Cs apply.

5% cash back on the places you choose†

Pick your 5 favorite spots to get cash back with your Monzo debit card. And cash means real cash, not points or credit.

Offer available to Minnesota and Florida residents.
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Two arms holding chopsticks with each pair of chopsticks holding onto the same dumpling against a red background. There is a celebration emoji with text saying You earned $1.56 in cash back at Leeann Chin.

Save more with 3.75% APY‡

Earn more interest on your savings. Every month, you’ll get extra money on top of your savings. You can take money out anytime, as many times as you want.
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A screenshot of the Monzo app showing a Savings Jar called Vacation. It has an image of an airplane traveling around the world. There is a $2800 balance with a Goal of $3500 and a progress bar at 80%

Get paid up to 2 days early

Sometimes payday can't come soon enough. We'll send your paycheck up to two days early when you set up a direct deposit with us.
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A woman's arm putting a cherry on top of an ice cream sundae against a red background. There is an image of a calendar with coins around it and text next to it saying You got paid two days early!

All your money, one app

Link your other bank accounts, savings accounts and credit cards into Monzo. Then use our easy tools to budget across all your spending and savings.
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A screenshot of the Monzo app showing a stack of cards. The top card is Bank of America savings, the middle card is a Capital One credit card, and bottom card is Monzo. There are a few transactions in the activity feed below.
Monzo card sitting on brown wood table with a cup and notepad sitting off to the left side.

FDIC protection meets cutting-edge security

With Monzo, your money is eligible for pass-through insurance up to $250,000 through our partner Lead Bank or Sutton Bank, Members FDIC.§

Compare plans

Comparison of features between Monzo, Monzo Pro, Bank of America, and Capital One

Monzo Base

Monzo Pro

Bank of America

Capital One
Cash back
5% at 5 places you choose†
Savings interest
2.00% APY
3.75% APY‡
0.01% APY
3.40% APY
Get paid early
Up to 2 days
Up to 2 days
Linked accounts
1 other account
Unlimited
Monthly cost
$0
$10
$0-12
$0

Join 13 million customers on Monzo

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Monzo app screenshot showing an account balance of $1,160.00, a cash back transaction and an Aldi's transaction.

† How does cash back work? If you’re a Minnesota or Florida resident, we’re testing something new in your area — you’ll get 5% cash back on 5 places you choose. In all other states/territories, you’ll earn 2% cash back on eligible groceries and eating out purchases. Cash back is up to $60 per month.

‡ How does APY work? As of June 18, 2025, you’ll earn 3.75% APY (Annual Percentage Yield) with a Monzo Pro subscription and 2.00% APY for Monzo Base users. No minimum deposit needed. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. Monzo isn’t a bank. Banking services and debit card are issued by our partners, Lead Bank or Sutton Bank, Members FDIC. T&Cs apply.

§ How does FDIC insurance work? Your funds are held at Lead Bank or Sutton Bank; Members FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Lead Bank or Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.