Monzo - Mobile Banking

99.6K reviews
Content rating
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About this app

The UK's fastest-growing bank is coming to the US!

Your Monzo account is instant spending notifications, stress-free traveling, easy budgeting and support from real people, whenever you need it.

**Always know how much money you have**

Get on top of your spending with instant notifications every time you pay for something, with a balance that updates immediately, not days later.

**Use your card anywhere**

Whether it's with your hot coral debit card, or Google Pay, Monzo works all around the world, and you don’t need to tell us when you're going.

**Spend for free**

We don’t charge fees for spending on your card, we don’t charge overdraft fees and we don’t mark up the exchange rate when you go abroad.

**Pay people in seconds**

Send and receive money free and instantly with other Monzo users, and say thanks with an emoji!

**Stay in control**

If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)

**Rest easy**

Money in your Monzo US account is protected by FDIC, so you're insured up to $250,000, and our anti-fraud systems make sure your money is safe, without adding friction for you.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

**Legal Notice**

Monzo Inc. does not offer or provide banking services on its own behalf or for its affiliates and is not a bank. Monzo Inc. is wholly owned by Monzo Bank Limited. Monzo Bank Limited is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.
Updated on
Jan 26, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 7 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted
99.6K reviews
Stan Y.
December 31, 2022
Great in the sence that it is very fast and provides near real time view of any transactions most of the time. However by default it reveals to other users when any random number they have in their contact list has Monzo. It is a security issue and also a breach of confidentiality in my opinion. In other words if someone adds random phone numbers to their contacts they can get from Monzo a confirmation that the specific user exists. You have to explicitly turn that off and personalized ads .
64 people found this review helpful
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December 31, 2022
Hey Stan, thanks for taking the time to leave a review. Sorry for any confusion here, you can turn this feature off in the app. Head to: Settings > Privacy & security > Payments with Friends, and you'll see the option there. If you have any trouble please reach out to us in the app, or call us on 0800 802 1281 🛠️
January 17, 2023
Absolutely brilliant 5 ***** I started using it as a top up card for when I purchased things online as a security really rather than paying on line giving access to my main bank account. It is so easy to top up and use. After my main account asking for my card reader all the time it got on my nerves whereas although Monzo acts for a confirmation and 4 number pin, it's a much easier system. It also gives a money clinking noise whenever you buy anything. I can't recommend it enough. Brilliant !!!!
17 people found this review helpful
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Alex C.
December 3, 2022
This is a really good app, fast and intuitive. I like how quickly i receive a notification after I've made a payment or a transfer. The savings pots are also helpful. I've also got a small loan quickly and efficient through the app, but be wary of the interest rates. Lastly, it would be great if the app was available for users outside the UK.
79 people found this review helpful
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What's new

Nothing to announce this week folks, just bug fixes and general improvements. I'll tell you what isn't nothing though: The Meg with Jason Statham. That, friends, is really something.