Team access levels
You decide who can see and do what, with set limits and controls for admins, collaborators and expense cardholders. Spend management delegated and automated.
Manage spending
Take charge of spend management
Keep tabs on where your money’s going as your team’s growing, with expense cards, spending limits and payment approvals.
Only sole traders and limited company directors in the UK can apply. Ts&Cs apply.
The App Store, Google Play Store, and Trustpilot ratings are correct as of August 2026.
Set rules and smooth spending reviews
Automate the admin
Outgrowing shared inboxes, sprawling spreadsheets and wonky workarounds? Set your admin to autopilot. Team expense cards and real-time spend tracking free up your focus time.
See who’s spending what
More people, more tools, more cards. That calls for more visibility of your money. See your live balance in a tap and get real-time updates right as money lands and leaves.
Stay in control
With set monthly limits and payment approvals you can catch surprise spending or over spending – before money leaves the account.
Empower with expense cards
Trust your team to do what they need to do, without getting in their way. Both you and them can track how they’re spending against their limits. And check receipts, reasons for spending and VAT rates in one sweep.
Scale up your spend management
Unlock extra tools for managing spend, available on our plans.
Payment approvals
Choose how much individual team members can spend on their card and send by bank transfer before they need admin approval.
Virtual cards
Spend safely and in budget, with up to 5 separate cards at a time for your most common outgoings – like your Xero accounting subscription, business travel or tax bill.
1 million businesses changed the way they bank
1 million businesses changed the way they bank
Connected and protected around the clock
You don’t switch off, so why should we? Chat to us whenever you need to over the phone or in the app, and freeze your card any time in a few taps. Plus, If you're a sole trader or a small business your eligible money may be protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.
Let us organise while you strategise
We’ll automatically file away your transactions, invoices and statements to your drive or Google Sheet. Neat, tidy and ready to share with your finance team or accountant, making life easier for you and them.
A bird’s eye view of your money
Get an overview of your businesses money over time, or zoom in on the details. Track your balance, categorise your spending and view what’s coming in and out when, so you can make changes or keep doing what you’re doing.
Stay switched on while you switch business bank account
Continue to make and take payments while the Current Account Switch Service (CASS) moves you over to Monzo.
Step 1
Apply for Monzo Business
You must be a sole trader or limited company director in the UK. Check out our eligibility page for the full details of what kinds of businesses we can support right now.
Step 2
Tell us when you want to move
You set the date.
Step 3
Let us do the rest in 7 working days
Money, Direct Debits and standing orders will all be moved over for you. We’ll also redirect your incoming payments, salary included, and close your other bank account.
Apply in minutes
90% of accounts are open for business the same day. Apply online or contact sales today.
Questions? Answers.
How does Monzo automate expense management?
We automate the tedious side to expense management to free up time for you and your team. That includes nifty features like automatically grabbing expense information from a photo receipt to save time and reduce errors. We’ll automatically put expenses into categories, remind your team to add missing expense details and add transactions to a Google Sheet (including receipts).
Expense cards and payment approvals are available on Team, starting from £25 a month. Ts&Cs apply.
Can I manage both employee spending and supplier payments in one place?
Yes, you can track team spending and pay suppliers all from the app. No need to jump between tools and remember multiple passwords.
How do Monzo’s spend management tools work together?
Our spend management tools work together as a team. You can add your people and give them different access levels, set monthly spending limits, track spend and review receipts. Available on Team, starting from £25 a month.
Do these features work on both mobile and web?
Admins can manage expense cards – set limits, track spending activity – on both web and in our app. Expense cardholders can only access the app.