Monzo - Mobile Banking

100K 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
3 Feb 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
100K reviews
17 January 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 !!!!
37 people found this review helpful
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Tom Rowles
13 December 2022
The app is very easy to use and disability accessable. Although a pin and fingerprint lock to secure the app is much needed. *I've had the response. I understand that know one can make a transfer with my pin. But it's also a nice security thought that no one can see the account at all. Because they should really be able to open the app to see any thing.*
52 people found this review helpful
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13 December 2022
We'll absolutely take this feedback and pass it over to our team 😊 Thanks so much for taking the time to review!
Alex C.
3 December 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.
93 people found this review helpful
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What's new

Lots of maintenance happening this week but it's been happening 'behind the scenes'. A phrase that means out of sight, and which comes from the world of theatre, where in the 17th and 18th centuries the more gruesome acts took place backstage (behind the scenery).