A personal account that gets personal
Tidy up your life with Jars. Earn 3.75% APY on every savings goal. Spending insights you’ll actually use with customizable categories. All wrapped in one cool, hot coral package.
Banking services provided by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.
Make your money more Monzo
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 3.75% APY
Paid monthly on every Savings Jar. There’s no minimum deposit and you can take your money out whenever you need to.
Your financial life all in one place
Stop switching between countless apps and accounts. Connect your other financial accounts and see everything in one place.
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.
Categorize your spending
Create categories that tell your story. From “Groceries” to “Pets” to “Coffee” you customize how you see your finances.
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.
FDIC protection meets cutting-edge security
With Monzo, your money is eligible for insurance up to $250,000 through our partner Sutton Bank, Member FDIC.* And we use advanced security features, like Biometrics and PIN protection, to give you extra peace of mind.
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.
Get paid up to 2 days early
Get your paycheck deposited into your Monzo account and we'll send it up to two days early.
Free ATM coverage nationwide
Choose from 40,000+ MoneyPass ATMs where you can withdraw cash for free.
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.
* 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.
