Open a Monzo Checking Account: Enjoy No Fees and High Savings Rates

Opening a personal or joint checking account has never been easier. With Monzo, you can complete the process in just a few minutes and even earn $15 for both you and a friend when you invite them to join. Terms apply.

Why Over 10 Million Customers Trust Monzo

Monzo has quickly become a favorite among users, and for good reason. Here are some compelling features that make it stand out:

• No Hidden Fees: Say goodbye to account fees, overdraft fees, and foreign transaction fees.
• High-Interest Savings: Earn up to 3.75% APY with our no-catch instant access savings account.
• Get Paid Early: Enjoy the benefit of early direct deposits with qualifying accounts.
• All-in-One Financial Overview: Connect all your accounts and cards for a comprehensive view of your finances.
• Free ATM Access: Access nearly 40,000 free ATMs across the U.S. for instant cash withdrawals.
• Award-Winning Support: Our dedicated support team is available 24/7 to assist you.
• Secure Banking: Your funds are insured up to $250,000 through our partner Sutton Bank, Member FDIC.

Understand Your Spending Habits

Gain insights into your financial behavior with Monzo's real-time notifications. Every time you use your debit card, you’ll receive an instant alert, helping you track your spending effectively. Additionally, Monzo provides money-saving insights across all your bank accounts and credit cards, allowing you to set spending targets and stay on track.

Achieve Your Savings Goals

With Monzo, you can earn up to 4.25% APY on your savings, significantly higher than the national average. Here’s how you can maximize your savings:

• Savings Jars: Create dedicated Savings Jars for trips, bills, emergency funds, and more. Set a goal for each Jar, and Monzo will track your progress.
• Automated Contributions: Automatically allocate a portion of your paycheck to your savings goals.
• Spare Change Savings: Turn your spare change into savings with automatic roundups on your purchases.

Unmatched Security Features

Your financial security is a top priority at Monzo. Here’s how we keep your money safe:

• FDIC Insurance: Your funds are insured up to $250,000 through our partner Sutton Bank, Member FDIC.
• Advanced Anti-Fraud Systems: Our systems ensure your money remains secure without adding unnecessary friction to your banking experience.
• Biometric Protection: Protect your account with Touch ID, Face ID, and a secure PIN.

Get Started with Monzo Today

Opening a Monzo account is simple and rewarding. With no fees, high-interest savings, and robust security features, it’s no wonder over 10 million customers have chosen Monzo as their banking partner. Don’t miss out on the opportunity to manage your finances more effectively and securely.

For more information on how to open your account and take advantage of these incredible features, visit Monzo’s official website today!

*The national average interest rate for savings accounts is as posted on FDIC.gov, as of June 17, 2024.

**A qualifying direct deposit is defined as an ACH deposit of $250 or more to your Monzo account, or a deposit made by your employer or payroll provider for payroll or pension payments, or by a government agency for benefit payments (e.g., Social Security).

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of July 29, 2024. The APY may change at any time.

Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Your funds are held at Sutton Bank, Member FDIC. Although Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.