Monzo - Mobile Banking

Monzo Bank Limited · 4.7 ★ · FREE

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Description

Monzo is the digital banking app that rewards you for being you. With one app to manage all your finances, in real time.
CASH BACK FOR ALL
Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account
Cash back means cash: withdraw, spend or save it.
Cash back is instant, straight into your account or Savings Jar.
Instant access to cash with our network of 38,000 free ATMs across the US.
Real-time notifications each time you spend on your debit card.
Set a target for how much you want to spend and we’ll help you stay on track.
NO STRESS SAVINGS
With a Preferred account, get our best savings rate of 3.75% APY. With an Everyday account, you’ll receive 2.00% APY.¹
Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds and more in a Savings Jar.
Set a goal on a Jar and we’ll show progress as you save. Tell us when you want to reach your goal, and we’ll do the math to figure out how much you need to deposit each day, week or month.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.
ONE APP FOR YOUR FINANCES
Connect all of your accounts and cards for a big picture view of your finances. You can connect all your accounts on with Preferred.
Get money saving insights across all your bank accounts and credit cards.
Get paid early with a direct deposit.
Your money is eligible for FDIC pass-through insurance up to $250,000
SERIOUSLY SECURE
Your money is eligible for up to $250,000 in FDIC pass through insurance.2
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.
*A Monzo Preferred account may be required to access certain features. Other terms apply.

The Monzo Mastercard Debit Card is issued by Lead 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.
¹As of June 18, 2025, the Annual Percentage Yield (APY) accrued from Monzo’s Savings Jar is 3.75% with a Monzo Preferred subscription and 2.00% APY for Monzo Everyday users. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank. Your total Savings Jar balance is capped at $100,000.
2Your funds are held at Lead Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Lead Bank fails. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.
Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

Developer

Monzo Bank Limited

Developer ID: 995273047

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What's New

Version 7.22.0 · Apr 16, 2026

We're always keeping things running smoothly with regular bug fixes and maintenance. If there's something new, we'll shout about it. (Not literally. Apps can't shout).

Ratings & Reviews

App Store

4.7

5,518 ratings

N/A downloads

Google Play

4.2

172,829 ratings

10,000,000+ downloads

5★

69%

4★

3★

2★

1★

14%

Recent Reviews

Zahid Ahmed

Google Play

join the bank to test them out. then change your mind. but then decided you know what. I will give them a go. but guess what. they have a policy. once you leave. it will never allow you to join again. same with monzo bank. I have now joined First Direct! or join Wise or Revolut. no point joining bullies like these

Apr 18, 2026

gary ash (GGST*R)

Google Play

MONZO is a great App for banking but I don't like that it doesn't automatically doesn't log out

Apr 18, 2026

saurabh insan

Google Play

AM AN INTERNATIONAL STUDENT AND MILLIONS OF TIME I TRIED TO open their account but they just show you want to talk with our AI 🤬🤬🤬🤬🤬🤬😡 TOTAL GARBAGE AND I DONT KNOW WHY THEY ONLY TARGET ME THEY CLEARLY SAID WE WILL NOT OPEN YOUR ACCOUNT I DONT KNOW WHY TOTAL DISCRIMINATION WORST WORST WORST APP I HAVE SEEN IN MY LIFE F(_)KIN IDIOTS 🤬🤬🤬🤬🤬😡😡😡😡😡😡🤬😅🤬🤬🤬🤬🤬🤬🤬🤬🤬

Apr 18, 2026

Vicki Green

Google Play

oh dear

Apr 18, 2026

Kayima Okoluko

Google Play

not allowing me to change location and wont registar my home address

Apr 17, 2026

joeyschwartzz

App Store

Shame

Another company that decided to drop USA operations this is sad and upsetting

Apr 5, 2026

Mmokay.

App Store

They turn their backs on their customers, in venture for even more money.

Just another selfish company. It's leaving in two months. I personally found this experience to be hands down the best experience I have ever had with any fintech. I hate to see it go, I'm only leaving a 1 star review because I think it was a quick decision for a fast turnaround, that will probably fail. No one was talking about Monzo here, but I did get looks every single time I used it the bright orange card. Yeah. I'm going to miss my expense and everything have been set up here.

Apr 3, 2026

Name44567

App Store

Awful changed spending tracking features

The new “Trends” feature in place of the old spending tracking makes no sense. It used to be that you could track and mark targets for how much spending you did besides things like rent or bills that were beyond your control, and then in another section you could see how much was just withdrawn overall that month. Now the replaced feature is not intuitive at all, and if you “exclude” a category from spending, it still counts towards your target but is removed from your withdrawal summary from the month? That makes NO sense. Please, PLEASE change it back— I have no idea who you tested this with, but it is awful.

Apr 3, 2026

ArfusUwU

App Store

Please don’t go.

Monzo is shutting down USA accounts. The app is so well designed, is reliable and smooth, and doesn’t have intrusive ads or upsells. It also shows my balance from 3rd parties, even my PayPal balance. The option for temporary and disposable cards are so great for subscriptions. This app truly gives Revolut a run for it’s money and needs to stay in the USA. Please re-think your decision; we need this here.

Apr 1, 2026

will not install again

App Store

Impossible to transfer the money back to myself

If I wanted to transfer the money from my Monzo account to my bank account, there were no options to just do it without exposing and opening my bank transactions to them and to a third party app. I did not feel safe doing that so I had to find a different way to send my own money back to me and the struggle was not worth having the app. So I am uninstalling it after this review.

Apr 1, 2026