App Description

Monzo is the rewarding debit card that helps you save. With one app to manage all your finances, in real time. Monzo Pro is $10 a month. Open an account in a few minutes. THE DEBIT CARD THAT HELPS YOU SAVE 2% cash back rewards on eligible groceries and eating out*. Get cash back instantly: withdraw, spend or save it*. No ATM fees from us, ever. And no ATM fees when you stick to the 38000+ MoneyPass ATMs. *Monzo Pro subscription required. Terms apply. NO STRESS SAVINGS With Monzo Pro, get our best savings rate of 3.75% APY interest. Otherwise, you’ll receive 2.00% APY. Every month, earn interest on top of what you save. Set goals for your savings and we’ll help you work towards them Automatically contribute a portion of your paycheck towards your goals. Turn your spare change into savings with automatic roundups. ALL YOUR MONEY, ONE APP Link your other bank accounts, credit cards and savings accounts into Monzo* Get money saving insights across all your bank accounts and credit cards*. Get paid early with direct deposits*. SERIOUSLY SECURE Your money is eligible for up to $250,000 in FDIC pass through insurance.¹ Anti-fraud systems that make sure your money is safe, without adding friction for you. Protect your money with Touch ID, Face ID, and PIN. *Monzo Pro subscription may be required to access certain features. Other terms apply. Monzo’s Savings Jar Annual Percentage Yield (APY) is as of May 19, 2025. The APY may change at any time. Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108 Monzo is a financial technology company; not a bank. All banking services and deposit accounts are provided by Lead Bank or Sutton Bank; Members FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank or Sutton Bank, Members FDIC, pursuant to licensing by Mastercard International Inc. See Terms and Cardholder Agreement for more details. As of June 18, 2025, the Annual Percentage Yield (APY) accrued from Monzo’s Savings Jar is up to 3.75% and is subject to change at any time. See Deposit Account Agreement for more details. Interest is provided by Monzo, not by Sutton Bank or Lead Bank. ¹Funds held in the Monzo deposit accounts are held with Lead Bank or Sutton Bank; Members FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank or Sutton Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo’s failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov. Monzo Pro is an optional, monthly paid subscription membership program. Subscribers will be charged every month. Once enrolled, subscribers have access to Monzo’s highest APY, cashback rewards, exclusive upgraded benefits and access outside of Monzo’s basic offerings. Please see Terms for more details.