Monzo - Mobile Banking

116K reviews
Content rating
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About this app

Join over 7 million customers who trust Monzo to see, save, and spend their money with confidence.

Monzo is the smart way to take control of your personal finances. Our Mastercard debit card is designed to make your money work for you.


INDIVIDUAL AND JOINT ACCOUNTS: Manage money with a personal account or as a team with Joint Accounts. Get paid up to two days early when you add your Direct Deposit.

AWARD-WINNING SUPPORT: Get real support from real people, fast. Our award-winning team is here to help you get the most out of Monzo 24x7!

SEE YOUR FINANCES IN A NEW LIGHT: Manage all your money, no matter where it lives. Link all your checking, savings, certificates of deposit, and credit cards from other providers, to see your full financial life with Trends. See the big picture in Monzo so you’re never left in the dark.

SAVE EFFORTLESSLY: Save for what matters most with Pots. Create Pots for monthly essential spending or to achieve your specific goals. We’ll ensure you have enough money set aside automatically with each paycheck with Salary Sorter. Need to save even faster, you can turn on Round up payments and put spare change in a Pot instantly.

SPEND CONFIDENTLY: Focus on having fun, not maintaining a budget. Spend confidently on the Monzo card knowing exactly what is left-to-spend and hit your spending Target. Stay in total control with instant notifications every time you pay for something, with a balance that updates immediately, not days later. Monzo even does the math to help you add a tip.

SAY GOODBYE TO FEES: 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.

SEND AND RECEIVE MONEY WITH NO TRANSFER FEES: Pay and get paid in seconds for free, and start spending your money instantly.

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.)

DESIGNED TO TRAVEL WORRY-FREE: Use your card anywhere. Pay anywhere, in any currency, fee-free. Whether it's with your hot coral debit card, or Apple Pay, Monzo works all around the world, and you don’t need to tell us when you're going.

SERIOUSLY SECURE: Money in your Monzo 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.
Protect your account with Touch ID, Face ID, fingerprint, or PIN.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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
Sep 28, 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

Ratings and reviews

115K reviews
Kris B
September 16, 2023
The new app update is terrible! I really hope you'll change it back to the old app. The new app layout is so messy, takes so long to find anything, and takes so much more time and many more taps just to complete simple tasks. For example, even just to transfer money to one of my monzo pots from my main account takes so much more time. Please change the app back
47 people found this review helpful
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Zen Ultra
September 22, 2023
Function over form! no one likes the new UX layout it takes a lot more time to find things and it's so confusing to navigate! I have provided feedback in the app. Please consider changing this back through monzo labs. I use monzo for mainly budgeting, saving, sending and paying my bills! I check the app daily. This is taking 5 steps back! It's too frustrating why fix what's not broken?
27 people found this review helpful
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Eva van Herel
September 8, 2023
I had this at five stars. Customer for five+ years. Always very happy with Monzo! But today Monzo sprung interface changes on me and didn't provide a button to go back to original formatting. This is more irritating than when the supermarket changes their layout. I just don't have bandwidth right now to deal with having to find everything back again. Monzo! If it ain't broke don't fix it! Provide new options, sure, but let your customers choose their own pace!
42 people found this review helpful
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What's new

Supercharge your income with Salary Sorter. Introducing automatic sorting to an External Account. You can now split your paycheck into your other banks as well as into your Monzo Account(s) and Pots automatically as you get paid. Wake up on payday knowing your money is exactly where it needs to be without effort or stress.
Overview education cards make it easier to understand your money — from learning about new Monzo features to breaking down some common or complex financial terms.