Put money in your hands

Full financial visibility, with your other bank accounts and credit cards all in one place. Get interest on your money, personalised budgeting and so much more.

Get Monzo Plus

^£5_{per month}
3 month minimum • Must be over 18

Get full financial visibility

Add your other bank accounts and credit cards so they're visible in the Monzo app, then categorise transactions like you do with your Monzo account.

See your balances and transaction history for up to 3 years, and move money around with easy bank transfers.

Stay safe online with virtual cards

We're all shopping online more, so it's important to be extra careful. Keep your physical card details safe by using virtual cards for online payments.

Protect your physical card

Use your virtual cards’ unique details online instead of the ones on your physical card.

Manage online subscriptions

Avoid updating your payment details everywhere because your physical card got lost or stolen.

Have up to 5 at any time

Personalise your cards by giving them names and picking from a range of colours.

Understand your spending better

Create custom categories to group your spending in ways that work for you and your lifestyle.

Divide single transactions into multiple categories to group your spending, your way.

Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.

Features

1.00% AER/Gross (variable)
Earn interest on up to £2,000 in your account balance and regular Pots (not including Savings Pots).
Custom spending categories
Personalise your spending breakdown by creating your own spending categories.
£400 fee-free withdrawals abroad
Take out up to £400 cash abroad for free every 30 days. That's double the amount you can withdraw for free with our regular Monzo account.
Advanced roundups
Automatically put 2, 5 or 10 times as much spare change into savings every time you spend.

Track your credit health

See your credit score in the app and how it changes each month.

With helpful guides on how credit scores work and tips for improving yours.

Powered by TransUnion

Treat yourself

RAC Breakdown Cover: Cover from £4.75 a month including free Legal Care Plus. Terms apply.

Laka: 10% off cycle insurance every month for a year for new Laka customers

Beer Hawk: 5 craft beers and a glass for £10, plus £10 off your next order

Patch: 15% off all plant and plant pot orders over £50. Learn more.

Naked Wines: Over 50% off 6 bottles of wine when you sign up. Learn more.

Babylon Health: 20% off an annual virtual GP subscription and free access to COVID-19 Care Assistant

Fiit: 25% off a home workout membership. Learn more.

And more. See them all in the app. Conditions apply.

Packed with the best of Monzo

Compare Accounts

A UK current account

We're a fully licensed UK bank, which means we're regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Protection for your money

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.

A new way to bank

With features like instant spending notifications, simple ways to send money, Pots for separating it and monthly spending summaries.

Friendly support

Got a problem? We're here to help. Just message us in the app.

Loans and overdrafts

We offer loans up to £15,000 and overdrafts up to £1,000. You can check if you're eligible without affecting your credit score.

Interest on your savings

Earn interest on your savings by choosing an easy access or fixed term Pot. Your money with the savings provider is protected by the FSCS for amounts up to £85,000. Minimum £10 deposit to open.

Pick an account

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

Monzo

Free

A UK current account
With savings, borrowing and overdrafts
Your money is protected by the FSCS
Your eligible deposits are protected by the FSCS up to a value of £85,000 per person
Fee-free UK bank transfers
Send money to any UK bank for free
Pots for separating money
Put money aside from your balance
Award-winning support
Through the app, if you need it
Instant notifications
See when, where and how you spend
Apple Pay and Google Pay
Spend using your phone
Spending categories
Get a clear view of your spending

No minimum term

Get Monzo

Monzo Plus

£5 per month

All free Monzo features
Other accounts, in Monzo
See your other accounts in Monzo
1.00% AER/Gross (variable) interest up to £2,000
On your balance and regular Pots
Holographic card
Exclusive to Monzo Plus
Custom categories
Plus, divide payments into multiple categories.
Virtual cards
Avoid using your physical card online
Advanced roundups
Make your spare change go further
Credit Tracker
See how your credit score changes
Offers
15% off Patch and many more
Fee-free withdrawals abroad
Up to £400 free every 30 days
Auto-export transaction
Live updates to Google Sheets
1 free cash deposit a month
At PayPoints across the UK