App Monzo - Mobile Banking
Making money work for everyone
Your Monzo account is instant spending notifications, stress-free traveling, easy budgeting and support from real people, whenever you need it.
**Always know how much money you have**
Get on top of your spending with instant notifications every time you pay for something, with a balance that updates immediately, not days later.
**Use your card anywhere**
Whether it's with your hot coral debit card, or Google Pay, Monzo works all around the world, and you don’t need to tell us when you're going.
**Spend for free**
We don’t charge fees for spending on your card, we don’t charge overdraft fees and we don’t mark up the exchange rate when you go abroad.
**Pay people in seconds**
Send and receive money free and instantly with other Monzo users, and say thanks with an emoji!
**Stay in control**
If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)
Money in your Monzo US account is protected by FDIC, so you're insured up to $250,000, and our anti-fraud systems make sure your money is safe, without adding friction for you.
The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.
Monzo Inc. does not offer or provide banking services on its own behalf or for its affiliates and is not a bank. Monzo Inc. is wholly owned by Monzo Bank Limited. Monzo Bank Limited is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.