Joint accounts
Digital banking (together) made easy. Manage shared costs with a shared account.
Banking services provided by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporate.
Together, with whoever
A partner, spouse or someone who lives in your house. Shared accounts are for soulmates and housemates or anyone else as long as they’re eligible.
With a joint account you both get a pearlescent white debit card to use for your shared spending and saving.
Grow your shared savings
Earn 3.75% APY interest on your combined savings and work together towards your shared goals.
Packed with the best of Monzo
Zero hidden fees
No minimum balance fee, no overdraft fees, no monthly subscription, no transfer fees, and no joining fees. We’ll stop there, but you get the picture.
Protection for your money
With Monzo, your money is eligible for insurance up to $250,000 through our partner Sutton Bank, Member FDIC.* And we also use Biometrics and PIN protection for added peace-of-mind.
A clear financial view
Get to know your spending and saving habits by account, or view multiple accounts together.
Friendly support
Got a problem? We're here to help. Just message us in the app.
Instant spending notifications
Stay in the loop with real-time alerts that show exactly how much you spent and with a business name you’ll recognize.
Easy transfers
Transfer to or from another financial institution, between your accounts and Jars, and to other friends on Monzo.
Save as you spend
Every time you spend money, we’ll round it up to the nearest dollar and put the spare change in a Jar for you. All you need to do is switch on roundups.
Get paid up to 2 days early
Get one (or all) of your paychecks deposited into your Monzo account and get paid up to two days early.
* 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.
Open a free account
Download on iOS or Android and join more than 10 million people who've made their money more Monzo.
