Security you can count on
Over 10 million people use Monzo. We keep their money safe with high-tech security features, 24/7 support, and advanced fraud protection.
Banking services provided by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.
Protection you expect
With Monzo, your money is eligible for insurance up to $250K through our partner Sutton Bank, Member FDIC.*
Safer shopping
Enjoy a more secure shopping experience with instant notifications showing your real-time spending. Every time your card is used, you’ll see the name of the shop, the location and the amount.
Reduce the risk with virtual cards
Unsure if you can trust the place you’re shopping? With virtual cards, you can get a single-use card number that expires.
Packed with security features
Freeze your card straight from the Monzo app if it gets lost, stolen or you suspect fraud. And if you copy your card number, it expires after 60 seconds so you don’t accidentally paste it later.
Calling time on phone fraud
If you get a call from someone saying they’re from Monzo, you can now check if it’s true in real time in the app. If you don’t see a “We’re calling you” message in the app, you’ll know to hang up to stay safe.
Your identity protected
You can use biometrics every time you access the Monzo app on your phone. No need to remember passwords or usernames, or worry about them being stolen.
Monzo’s customer support will never ask for your password or card number. Just like we’ll never ask you to make a bank transfer.
No branches? No problem. Monzo support is 24/7
Report a suspicious transaction right from the screen that displays it so that we can investigate.
If you lose your phone, you can log in on the web to freeze your card.
* How does FDIC insurance work? Your funds are held at Sutton Bank, Member 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 Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.
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