Monzo - Mobile Banking

133K reviews
Content rating
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About this app

Online bank account with no fees: Spend, save, & manage your money.

Monzo is an award-winning mobile banking app that helps you save towards your goals, spend confidently, and manage your money in one place—all without any fees.

Open a personal or joint checking account in just a few minutes. Earn $15 for you and your friend when you invite them to Monzo. Terms apply.


🚫 Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
💸 Get paid early with a qualifying direct deposit.
🏦 Connect all of your accounts and cards for an all-in-one view of your finances.
⚡️Instant access to cash with our network of nearly 40,000 free ATMs across the US.
🏆 Our award-winning support team is here to help 24/7.
🛡️ With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.¹


Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.


Set aside money for trips, bills, emergency funds, and more in a Savings Pot.
Set a goal on a Pot and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.


With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.¹
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.


Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

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.

¹Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account benefits from pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply.
Updated on
21 Jun 2024

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

131K reviews
29 January 2024
New user here (post-redesign). The app isn't terrible, but it's unnecessarily bloaty, because it has a lot of pointless redundancy, buttons and sections that link to the same places or perform the same function, which causes more confusion. Keep it simple, one button to perform one function, unless absolutely relevant somewhere else. However I really appreciate that they allow usage of the app on modified devices.
107 people found this review helpful
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30 January 2024
Hey Ayman 👋 Thanks so much for the feedback! Are you able to share with us what buttons or areas you find to be redundant? We'd love the chance to improve these 🙏 If you're a US customer, you can email us at or for UK-based inquiries, is our contact info
Sina Madani
27 March 2024
One of the original and the best. Been with them since 2015 but never really used it for anything other than paying for stuff abroad and quick transfers, but the features, the app and even savings account are top notch. I tried Chase for a while but Monzo is miles ahead. Most importantly, you can have the app installed on iOS and Android device simultaneously without issues. There's also a web interface for viewing transactions from last 90 days and for freezing your card. I hope they survive!
277 people found this review helpful
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Christopher Peerman
4 June 2024
Since the redesign of Monzo where the pots and other things have moved I find the app INCREDIBLY difficult to use. I spend ages trying to find the most simple thing. I often spent ages searching each of the menus seeing if I could figure out where things have been moved too, and often when I find them find it very unintuitive.
12 people found this review helpful
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What's new

Bugs, banished. General stuff, maintained. That's all for this week folks.