Monzo Bank - Mobile Banking

Monzo Bank - Mobile Banking

Personal & business banking

5.7K ratings
1862 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 4, 2016
  • September 3, 2026

Features

Monzo Bank - Mobile Banking screenshot #1 for iPhone
Monzo Bank - Mobile Banking screenshot #2 for iPhone
Monzo Bank - Mobile Banking screenshot #3 for iPhone
Monzo Bank - Mobile Banking screenshot #4 for iPhone
Monzo Bank - Mobile Banking screenshot #5 for iPhone
Monzo Bank - Mobile Banking screenshot #6 for iPhone
Monzo Bank - Mobile Banking screenshot #7 for iPhone
Monzo Bank - Mobile Banking screenshot #8 for iPhone
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About

Manage your finances with a digital banking app offering real-time spending notifications, savings tools, and cashback rewards. Connect all your accounts for a comprehensive financial overview and enjoy secure, FDIC-insured deposits.

Real-time spending notifications
Cashback on purchases
High APY savings rates
Savings Jars for goals
Connect external accounts
Early direct deposit
FDIC pass-through insurance
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What users say

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+1

What's New in Monzo Bank

7.42.0

September 3, 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).

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User reviews

Its alright

I warn you do not get it if your looking for a card and your under 16 sure they do child cards but give you absolutely no freedom everything is just “ask your parent” like bro most of us using the app are not dumb 5 year olds we have common sense so atleast let us connect our cards to apple pay and also it took me and my dad a lot of time just to find the log in qr code JUST TO LET ME LOG IN like bro make the ui a bit more easier for people who aren’t chronically online and maybe dont know much about where to go and what that but apart from that if your a grown adult its a great app like otherwise i would give 5 stars but nope theres way too much false advertising about the child banking service
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Dr. Gurcan Avci

They could not change my address and could not use the application properly. Several times I sent email
Only generic solutions but useless

Money

I got the under 16 account and so does my brother but we can’t send money between us and we have to use a link or get our mum to do it please Monzo change this also make it so we can have multiple accounts



I love all the features but I can only receive £250 in 30 days and I can’t send money because my card gets declined but I have enough funds but my brother can send me money
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Great bank

Fabulous banking app. Easy to use and so helpful

Worst bank in my life

Worst bank in my life they froze my account coz I got sent money from a friend and they had a stupid name so they keeps saying not it a scam it’s a scam and then they closed my back account for like no reason

User experience

🐞

Reported Bugs

3 issues

Login issues with email links

Bug

Address lookup not working

Bug

Recurring payment failures

Bug

Requested Features

4 requests

iPad app version

Feature

Ability to hide balance from others

Feature

More customizable budgeting categories

Feature

Faster international money transfers

Feature

FAQ

What does the Monzo app do?

The Monzo app is a digital banking platform that allows you to manage all your finances in one place. It offers real-time spending notifications, tools to help you save money, and cashback rewards on purchases. You can also connect external bank accounts for a complete financial overview.

What are the key features of the Monzo app?

Key features include instant spending notifications, cashback on purchases, competitive APY rates for savings, and 'Savings Jars' to set and track financial goals. The app also supports early direct deposit, spare change roundups for savings, and the ability to connect all your accounts for a unified view.

How much does Monzo cost?

The app offers a free 'Everyday' account with a 2.00% APY on savings. A 'Preferred' account is available for a fee, offering a higher savings rate of 3.75% APY and additional features. Some features may require a Preferred account.

Is my money safe with Monzo?

Yes, your money is eligible for up to $250,000 in FDIC pass-through insurance through Lead Bank. The app also employs anti-fraud systems and allows you to protect your account with Touch ID, Face ID, and a PIN.

Who is the Monzo app for?

This app is designed for individuals who want a modern, convenient, and feature-rich way to manage their daily spending, savings, and overall financial health. It's particularly useful for those who appreciate real-time financial insights and automated savings tools.