Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.
Open a personal or joint checking account in just a few minutes.
WHY OVER 9 MILLION CUSTOMERS LOVE MONZO
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.*
UNDERSTAND YOUR SPENDING HABITS
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.
REACH YOUR SAVINGS GOALS
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.
SERIOUSLY SECURE
With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.*
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.
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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.
*Your 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.
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User Rating
4.35 out of 5
126 ratings
in Hong Kong
5 star
94
4 star
12
3 star
4
2 star
2
1 star
14
Ratings History
Reviews
Application
Last time I have almost completed the application with its app (to the stage of send me the card) but I stopped because I would be out of town for two weeks. Then, I come back to proceed again but cannot go back to change to my new address, as I have moved.
Cannot update tax residency
Always ask for updating software, but I am already using the latest version
Bugs everywhere
Cannot receive debit card on time.
After the arrival time expired, still cannot reorder for the card just because of some silly bugs: after clicking the reorder button, no response at all.
False entry
I located in Hong Kong and I try to use the apps before go to UK, made sure I have ready everything and now the system has reject me to use it again. Can you help?
I can’t find my post code
My post code is M17 1LD because this is new building.
Nonsense Virtual Bank concept
Declined my application due to credit check ... is it useful for Monzo, if no one lending money, bank will not exist , can’t make money. Also, it’s not the priority to check client to open Monzo account. You may just use the debit card and only can use available account money.. so what’s for credit check. Stupid check with no brain policy setup.
Not good
Bad service
Cannot find apply for a business account
Cannot apply business account
Love monzo
Easy to use, track, save and make transfer to friends
good
easy to use, quick responds but it would be better if they mail the card to other country