Monzo - Mobile Banking

4.7
128K reviews
5M+
Downloads
Content rating
Everyone
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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.

WHY OVER 8 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.
🛡️ Your money is FDIC insured up to $250,000.

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

Your money is FDIC insured up to $250,000
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.
Updated on
Mar 28, 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

4.7
126K reviews
Ayman
January 29, 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.
40 people found this review helpful
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Monzo
January 30, 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 usa-help@monzo.com or for UK-based inquiries, help@monzo.com is our contact info
Sina Madani
March 27, 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!
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Chris Shaw
February 9, 2024
I've given the new UI a bit of time, but I really don't like it. Home screen is cluttered, fiddly to go between single and joint accounts. Paying someone is more complicated - can't they change move money button to pay payee (rare I need to transfer). I have several pots, but these are not necessary to be shown in a long list (you can hide them but then can't access them without unhiding??) No user improvements I can see. Everything involves so much more taps now to get anything done.
133 people found this review helpful
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What's new

It’s one of those weeks where we’ve been busy sprucing, spring-cleaning and de-bugging the app.