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A carousel image of all of Monzo's different current accounts.

Current accounts that keep up

From joint accounts, to accounts for kids, to accounts with worldwide travel insurance – choose something that works for you.

  • Current Account Switch Guarantee
  • Which? Recommended Provider 2024
  • Financial Services Compensation Scheme Protected

Current accounts for current times

Stick to your personal spending targets. Split costs with your housemates. Send your kids’ pocket money in just a few taps.

Our Hot Coral card, being held against a petrol blue background

Our Hot Coral current account

A place to manage your everyday money and savvy ways to save for the future. You’ll get our signature Hot Coral debit card, too.

  • Understand your spending habits with categories and trends

  • Earn 3.50% AER interest (variable) on Instant Access Savings Pots and Cash ISA

  • Spend abroad with no foreign transaction fees or hidden costs

UK residents only. Ts&Cs apply.

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Upgrade to a Monzo plan

Get more from your personal current account by upgrading to one of our 3 plans. Here’s a snapshot of what’s included with Max, our top plan:

  • Worldwide travel and phone insurance, plus UK and Europe breakdown cover

  • 4.00% AER interest (variable) on Instant Access Savings Pots and Cash ISA

  • Weekly Greggs treat, monthly cinema ticket at Vue and annual Railcard with Trainline

From £17 a month. UK residents aged 18+ (18-69 for Max) . Ts&Cs apply.

Image of our pearlescent joint account card against orange gradient

Monzo joint accounts

Manage shared spending and saving. It’s for soulmates, housemates, or anyone else – as long as you both have a Monzo account.

  • Meet savings goals with a joint Instant Access Savings Pot with 3.50% AER interest (variable)

  • Take the stress out of shared spending with instant notifications and joint visibility of your money

  • Budget together, with shared Pots for bills

You'll both need a Monzo account. Aged 18+. UK residents only. Ts&Cs apply.

Image of Monzo for 16-17s product UI being held against a red background with pop out notifications and images of different pot names.

Monzo for 16-17s

All the best bits of a Monzo current account (including our Hot Coral card), but with blocks on age-restricted things like gambling.

  • Manage your money with your own debit card that you can add to your digital wallet

  • Split bills, request payments and take the guesswork out of group spending

  • Earn 3.50% AER interest (variable) with an Instant Access Savings Pot

16–17 year olds only. UK residents only. Ts&Cs apply

Monzo Under 16s fan of neon cards in child's hand

Monzo for Under 16s

Our account for 6–15 year olds, with no up-front costs, subscription or top-up fees. They can choose their own neon card, and use the app (we’ve made it child-friendly for them).

  • Keep track of their spending in your Monzo app

  • Set spending limits and controls

  • Ping over their pocket money at any time, or set up a regular transfer

Ages 6–15. UK residents. Parent or guardian account needed. Ts&Cs apply

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Industry-first security that keeps you safe

Biometric logins, advanced fraud monitoring, instant in-app card-freeze. These are just a few ways we keep your money safe.

But we go even further, with industry-first features to stop scammers, like our trio of extra security controls. Scan a QR code, choose a known location, or pick a trusted contact to prove it’s you making a large payment.

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Monzo Business Banking

A UK business bank account that makes life easier for you, and your customers. Choose our free Lite account, or upgrade to Pro or Team, depending on what’s right for you.

  • Automatically set aside tax every time you’re paid (available with Pro, from £5 a month)

  • Claim back lost time with employee expense cards you can set limits and controls for (available with Team, starting from £25 a month)

  • Integrate with accounting software like Xero, Freeagent and Quickbooks, or auto-export your transactions (available with Team and Pro, from £9 a month)

Only sole traders or limited company directors in the UK can apply. Ts&Cs apply.

Switching to Monzo is easy

The Current Account Switch Service lets you close your existing main current account and move everything over to your new one. It’s free, takes just 7 days, and you don’t need to do a thing.

Open an account

Apply for a Monzo account here.

Choose a date

Select a date you want to switch your main account to Monzo.

We'll do the rest

We'll kickstart the process for you, including setting up your payees and salary.

Open a free personal account

Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.

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