Monzo - Mobile Banking

MAKE YOUR MONEY MORE MONZO
Hi, we're Monzo – a bank that lives on your phone.
Numbers are kind of our thing. Here are a few of our favourites:
• 10 million: how many people bank with us
• 10: the minutes it takes to open a personal or business bank account (you can use the Current Account Switch Service too)
• 24/7: the hours and days you can chat to our customer support
You'll need a Monzo current account to access Investments, Instant Access Savings Pots and Monzo Flex Credit Card.

GET TO KNOW WHERE YOUR MONEY GOES
• Get instant notifications when money comes in and out of your account
• Learn about your spending habits with weekly and monthly insights
• Schedule your bills or regular monthly payments and manage subscriptions
• Get that payday feeling one business day early when your salary is paid via Bacs
• Free yourself from travel fees. Pay anywhere and in any currency on your debit or credit card. (We pass Mastercard's exchange rate directly onto you, without any hidden fees.)

SUPERCHARGE YOUR SAVINGS WITH POTS
• Create personalised Pots to separate your spending money and savings
• Turn your spare change into savings with automatic roundups
• Earn interest on your money with Savings Pots
SPLIT AND PAY THE MONZO WAY
• Split bills, send payment reminders, and keep track of joint costs
• Easily request money or make payments with a link (limits apply, £500 for requesting money and £250 for making payments with a link)
MONZO INVESTMENTS: LEAVE THE HARD WORK TO US
You must be over 18 years old to use this feature.
• Choose from 3 investment options based on the level of risk you’re happy with
• Start with as little as £1
• Grow your investing know-how with bite-sized topics on investing essentials
• The value of your investments may go up or down. You could get back less than you put in.

MONZO FLEX: AN AWARD-WINNING CREDIT CARD

Monzo Flex is a credit card you can count on. It gives you real-time balance updates, a credit limit up to £3,000 and a 0% offer you can use time and time again.
Monzo Flex was voted Best Credit Card at the 2024 Card & Payments Awards
• Protect eligible purchases made with the Flex card with Section 75 Protection
• Apply from your Monzo bank account. Eligibility criteria and Ts&Cs apply. 18+ year olds only. Not keeping up with payments may negatively impact your credit score.
• Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable).

MONZO BUSINESS: IT JUST WORKS, SO YOU CAN TOO
Monzo Business Banking helps small businesses stay on top of their finances. Voted Best Business Banking Provider at the 2024 British Bank Awards.

• Manage money for your business with no monthly fee or go Business Pro for £9 per month with automatic Tax Pots, integrated accounting, multi-user access for limited companies, invoicing and more
• Make international payments from your bank account (powered by Wise, fees apply)
• Only sole traders and limited company directors in the UK can apply. Ts&Cs apply.

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £85,000 per person.
Registered address: Broadwalk House, 5 Appold St, London EC2A 2AG