Spend your money on life, not your life on money
Your salary sorted into Pots. Your spare change turned into savings. Your money, doing what it should with Monzo.
UK residents. Ts&Cs apply.
Get the most out of Monzo
Whatever stage of life you're at, we've got your money covered.
Current accounts
From joint accounts and accounts for kids, to accounts with worldwide travel insurance – choose one that works for you.
Credit
Get a credit card with Monzo magic. Whether you're new to credit or a seasoned pro, there's something to suit you. Age 18+.
Pensions
Track down and bring your old pensions together under one roof, and top up whenever you like. Ages 18-70.
Quit the app juggling act
From everyday spending to bigger goals, it's the one app to fit your finances.
It all starts with a Hot Coral card
Personal account
Our signature Hot Coral current account that fits your finances.
UK residents. Ts&Cs apply.
Joint account
A shared bank account that helps you manage joint costs.
You'll both need a Monzo current account. Aged 18+. UK residents. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.
Ages 6-15. 18+ parent/guardian account needed first. UK residents. Ts&Cs apply.
Extra
£3 a month
Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories.
Age 18+. UK residents. Ts&Cs apply.
Perks
£9 a month
Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat.
Age 18+. UK residents. Ts&Cs apply.
Max
From £19 a month
Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more.
Ages 18-69. 3-month minimum term. UK residents. Ts&Cs apply.
Aura credit card
£15 a month
The credit card that invests as you spend, with partner perks worth over £360 a year. Representative 64.2% APR (variable), includes monthly fee.
18+. UK residents. Eligibility criteria & Ts&Cs apply. Missed payments may negatively impact credit score.
Flex credit card
A credit card with Monzo magic, Section 75 protection and a representative 29% APR (variable).
18+. UK residents. Eligibility criteria & Ts&Cs apply. Missed payments may negatively impact credit scores.
Business account
An account packed with everything you need to make life easier for you and your customers.
Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.
The bank made for travel
No foreign transaction fees or added costs – so travel feels lighter from the start.
Fee-free spending abroad
Pay anywhere, in any currency – on your debit or credit card – with no foreign transaction fees.
No surprises at checkout
See the price of things before you go with our currency converter.
Multi-trip travel cover
Get multi-trip insurance with Max. From £17 a month. Ages 18-69. UK residents. 3 month minimum term. Ts&Cs apply.
Save like a superhero
Keep your money at your fingertips in personalised Savings Pots, or earn tax-free interest with an ISA.
Make payday twice as nice
Get paid into Monzo through Bacs and get your salary one business day early.
You could also land a Double Payday. It works like this: if you earn £1,500, we'll add an extra £1,500 to your account. It’s yours to spend, save or invest – and you won’t pay tax on your winnings. There are 10 lucky customers every month.
A regulated bank with 24/7 support
24/7 support
You can speak to us through our in-app chat – whenever, wherever. We're here for you 24/7.
Deposit cash and cheques
Add cash to your account at any PayPoint or Post Office (£1 per deposit), and pay in cheques via the app.
No hidden fees
Our current accounts are free and we don’t charge monthly fees or surprise you with hidden costs.
FSCS protected
Your eligible money in Monzo is protected by the FSCS up to £120,000 per person.
A regulated bank with 24/7 support
24/7 support
You can speak to us through our in-app chat – whenever, wherever. We're here for you 24/7.
Deposit cash and cheques
Add cash to your account at any PayPoint or Post Office (£1 per deposit), and pay in cheques via the app.
No hidden fees
Our current accounts are free and we don’t charge monthly fees or surprise you with hidden costs.
FSCS protected
Your eligible money in Monzo is protected by the FSCS up to £120,000 per person.
Which? recommended 2 years in a row
Join 16 million people already banking with Monzo.
Apply for an account in 10 minutes
Join over 16 million personal and business customers who've changed the way they bank.
Step 1
Open a free Monzo account
It takes just 10 minutes to apply, and comes with innovative features to help you manage your money.
Step 2
Fill out a few questions
We'll ask you some questions to help us set up your account, but there's no lengthy paperwork to fill in. In fact, it only takes a few minutes.
Step 3
Add your Hot Coral card to your digital wallet
Once your account's open, you can start using your card straight away with your digital wallet.
Security you can bank on
We help keep your money safe with industry-first fraud protection and 24/7 support.
Published August 2026
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.
Published February 2026
Authorised push payment (APP) fraud rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Monzo’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR's latest APP Scams Performance Report published in February 2026.