Manage your money from anywhere
No waiting on hold or calling back home. Use the app to freeze your card, track your spending and get help – wherever you are in the world.
The bank made for travel
Pay anywhere, in any currency – on your debit or credit card – with no foreign transaction fees. And see real-time exchange rates every time you spend.
UK residents only. Ts&Cs apply.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 Apr, 2026.
Travel money that goes the distance
No foreign transaction fees, no added costs, and built-in protection – so travel feels lighter from the start.
Instant notifications
Keep track of your travel costs with instant spending notifications.
Emergency logout
Access your Monzo account on web to remotely log out of other devices.
24/7 app support
Get support from our friendly team via in-app chat.
Card freeze
Card gone walkabout? Freeze it in the app in seconds.
Manage your money from anywhere
No waiting on hold or calling back home. Use the app to freeze your card, track your spending and get help – wherever you are in the world.
Instant notifications
Keep track of your travel costs with instant spending notifications.
Emergency logout
Access your Monzo account on web to remotely log out of other devices.
24/7 app support
Get support from our friendly team via in-app chat.
Card freeze
Card gone walkabout? Freeze it in the app in seconds.
Apply for an account in 10 minutes
That leaves more time to pack and figure out where your passport's gone.
Step 1
Open a free Monzo account
It takes just 10 minutes to apply, and comes with innovative features to help you manage your money.
Step 2
Fill out a few questions
We'll ask you some questions to help us set up your account, but there's no lengthy paperwork to fill in. In fact, it only takes a few minutes.
Step 3
Add your Hot Coral card to your digital wallet
Once your account's open, you can start using your card straight away with your digital wallet.
A credit card with travel perks
Booking something big or bucket-list? Monzo Flex is our credit card with 0% interest options, and fee-free spending abroad in any currency. You can flex at home or away with Section 75 Purchase Protection.
Representative example
Representative APR29% (variable)
Credit limit£1200
Yearly interest29% (variable)
You'll need a Monzo current account to apply for Flex. Eligibility criteria and Ts&Cs apply. UK residents & 18+ only. Missed payments may negatively impact credit scores.
16 million personal and business customers have changed the way they bank
16 million personal and business customers have changed the way they bank
Travel often? Go further with Max.
Upgrade your account to get more life for your money, from £19 a month.
UK residents aged 18-69, Ts&Cs apply, 3 month minimum.
UK residents aged 18-69, Ts&Cs apply, 3 month minimum.
Worldwide phone insurance
Protect your phone from loss, theft and accidental damage, including cracked screens. With £75 excess.
Fee-free cash withdrawals
Unlimited in the UK and the European Economic Area and £600 fee-free every 30 days elsewhere (that’s 3x more than our standard allowance).
Split for group trips
From tapas and taxis to villa deposits, Split keeps track of who owes what. Share a one-off payment there and then, or set up a Running Split to add expenses throughout the trip. You can invite anyone to join, even if they’re not on Monzo.
Tips for a smooth take-off
- Grow your travel money with a Savings Pot
- Know the price before you go with our currency converter
- Spend in the local currency for the best rate
- Track exchange rates before your trip
- Give yourself peace of mind with worldwide multi-trip insurance, included with Monzo Max
See any amount in pounds
Want to know how far your spending money will stretch? Plug in the numbers to see the Mastercard rate in real-time.
These are the rates you get when you spend in a foreign currency. Mastercard updates their rate every day at 2:05pm Central US time, which is 8:00pm UK time. So, if you buy something before then, you'll get the rate from the day before.
Move your money around the world
Need international currencies, even when your out of office isn’t on? Send and receive money abroad, straight from Monzo.
Simplify your global finances
Whether you’re an international student or living between countries.
It all starts with a Hot Coral card
Current account
Our signature Hot Coral current account that fits your finances.
Joint account
A shared bank account that helps you manage joint costs.
You'll both need a Monzo account. Aged 18+. Ts&Cs apply.
Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.
Ages 6-15. 18+ parent/guardian account needed. Ts&Cs apply.
Extra
£3 a month
Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories.
Age 18+. Ts&Cs apply.
Perks
From £9 a month
Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat.
Age 18+. Ts&Cs apply.
Max
From £19 a month
Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more.
Ages 18-69. 3 month minimum term. Ts&Cs apply.
Keep exploring
Read our travel guides to help your money go further.
Questions? Answers.
Can I use my Monzo card abroad for free?
Yes! You can pay anywhere in any currency using your Monzo card, fee-free. We pass Mastercard's exchange rate directly onto you, without additional charges. You can also make free cash withdrawals up to a certain limit (see below).
Are there limits on cash withdrawals abroad with Monzo?
Depending on how you use Monzo, you can make fee-free cash withdrawals up to a certain limit. Any fees you may have to pay are partly based on whether you're in the European Economic Area (EEA) or not. The EEA includes EU countries, plus Iceland, Liechtenstein and Norway.
If Monzo's your main bank account, you can make unlimited fee-free cash withdrawals abroad in the EEA, and up to £200 every 30 days for free outside the EEA. After that, we'll charge 3%.
Your 30-day allowance resets exactly 30 days after each withdrawal – not at the start of the month. For example, if you withdraw £150 on 2 March, that £150 will drop out of your allowance on 1 April. If you then withdraw £50 on 5 March, that £50 will drop out on 4 April. This means different withdrawals can reset on different days, depending on when you made them.
Your allowance is shared across all the accounts you hold with us. So if you have a joint account as well as a personal account, withdrawals from either account will count towards the same £200 limit (outside the EEA).
Just be aware that some ATMs may charge their own fee for taking out cash (we don't receive this), so it's always worth using a free machine when you can.
Do I need to tell Monzo when I’m going away?
No, you don’t need to let us know when you’re travelling. But if your card is lost or stolen abroad (or at home), you should freeze your card straight away in the app and reach out to our customer support team.
Does Monzo offer travel insurance?
If you upgrade to Monzo Max, you'll get worldwide travel insurance included. It covers things like trip cancellation (up to £5,000), medical bills (up to £10m), lost valuables (up to £750) and car hire excess (up to £3,000).
Family cover is also available for an extra £4 a month. It's provided by Zurich and powered by Qover. Ts&Cs apply. £50 excess.
Can I use Monzo Flex for holiday purchases?
Yes. Monzo Flex is our 0% credit card with fee-free spending abroad in any currency. You can flex at home or away with Section 75 Purchase Protection.
How do fee-free withdrawal limits work for Joint Accounts?
Cash withdrawal allowances are shared across all the accounts you hold with us.
That means if you have a personal account and a joint account, your fee-free withdrawal limit is spread across both. So any cash you take out from either account will count towards the same 30-day allowance.
For example, if you withdraw £100 from your personal account and £100 from your joint account within the same 30 days (outside the EEA), you'll have used your £200 fee-free allowance. After that, a 3% fee would apply until your allowance resets.
Your 30-day period resets exactly 30 days after each withdrawal, not at the start of the month.
What should I do if my Monzo card is lost or stolen while I’m travelling?
If your Monzo card is lost or stolen while you’re travelling, immediately freeze your card and contact our customer support team for help (you can do both in the Monzo app). You can also use our emergency logout feature on web to remotely log out of your other devices.
Time to go full Monzo
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you've opened an account, tap the '+' sign in the app and find 'Switch to Monzo'.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
