A free current account that fits your finances
Organise your life with Pots. Earn 3.85% AER (variable) on instant access savings. Spending insights you’ll actually use. All wrapped in one cool, hot coral package.
UK residents only. Ts&Cs apply.
Bank on an award-winning app
Instant spending notifications
Switch on instant spending notifications so you’re never out of the loop.
See your money in a whole new light
Get to know your spending habits with weekly and monthly insights. Get alerts if you’re spending too fast (if you want them).
Earn 3.85% AER (variable)
Paid monthly with an Instant Access Savings Pot or Instant Access Cash ISA. Deposit up to £500,000 with no minimum deposit, and withdraw it whenever you need to.
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.
Spend with friends
Split bills, send payment reminders, and stay on top of joint costs, even if someone’s not on Monzo.
Refreshingly simple cashback
Cashback doesn’t have to be hard. Pick your offers, shop in person or online and see what you’ve earned instantly. Simple.
Add or move money the Monzo way
Deposit cash or cheques
Wave goodbye to lengthy branch visits. Pay in cheques up to £500 in the app. Deposit cash in any Post Office or PayPoint.
International transfers in partnership with Wise
Transfer money to your friends and family within the Monzo app through Wise.
It’s typically lower cost than Western Bank, MoneyGram and Zoom, as well as high street banks.
Help whenever you need it
Speak to us whenever you need, wherever you are. Our team’s there to help you through in-app chat or on the phone, 24/7.
Industry-first tech built to protect
Phone theft is rising, so we’re stopping scammers in their tracks with innovative security controls. Use known locations, a secret QR code, or trusted contacts to confirm it's really you making large payments.
Not sure if it’s us on the phone? Our Call Status feature tells you if you’re speaking to Monzo, in real time. It helps customers report around 700 fraud attempts each month.
Upgrade your UK current account
We're making money work for everyone, so we have different plans for different needs.
Free
Extra
Perks
Max
Free
months minimum
Free
Free
months minimum
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
3.85% AER (variable) interest, paid monthly
Fee-free withdrawals up to £200
Extra
£3 a month
months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
3.85% AER (variable) interest, paid monthly
Fee-free withdrawals up to £200
Includes everything from Free, plus:
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Aged 18+ • Ts&Cs apply
Perks
£7 a month
months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
3.85% AER (variable) interest, paid monthly
Fee-free withdrawals up to £200
Includes all features from Extra
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Includes everything from Free, Extra, plus:
4.35% AER (variable) interest, paid monthly
Fee-free withdrawals up to £600
3 fee-free cash deposits
Discounted investment fees
Annual Railcard
Weekly Greggs treat
Aged 18+ • Ts&Cs apply
Max
From £17 a month
3 months minimum
Includes all features from Free
A UK current account
Your eligible deposits are protected by the FSCS up to £85,000 per person
All the Monzo features you know and love
3.85% AER (variable) interest, paid monthly
Fee-free withdrawals up to £200
Includes all features from Extra
Connected banks and credit cards
Virtual cards
Advanced roundups
Custom categories
Auto-spreadsheet
Credit insights
Includes all features from Perks
4.35% AER (variable) interest, paid monthly
Fee-free withdrawals up to £600
3 fee-free cash deposits
Discounted investment fees
Annual Railcard
Weekly Greggs treat
Includes everything from Free, Extra, Perks, plus:
Personal worldwide travel insurance – provided by Zurich, powered by Qover
Personal worldwide phone insurance – provided by Assurant
Personal UK & Europe breakdown cover - provided by RAC
Add your family to your insurance and cover for an extra £5 a month
Aged 18-69 • Ts&Cs apply
Easy current account switching
With the Current Account Switch Service, you can move everything over to Monzo in 7 days without lifting a finger. We do everything for you, and you don’t need to deal with your old bank at all.
Apply in 10 minutes
Join the 10 million customers banking with Monzo today.
