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Monzo

Card issuer

Monzo

A bank that lives on your phone

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Cards reviewed
6
Average rating
4.5/5
Headquarters
United Kingdom
Founded
2015

Monzo is a UK-based digital challenger bank founded in 2015, offering app-first current accounts and credit products. It holds a full UK banking licence, is FSCS-protected up to £85,000 per person, and is known for real-time spending notifications, budgeting tools, and a tiered account range from free to fully-packaged.

Full lineup

Monzo cards

See all in the card finder
Monzo Debit card
Monzo Extra
Cash back
MASTERCARD
4.2 4.2 out of 5
Best for rewards
Debit card Monzo - Mastercard

Monzo Extra

8.4/10

More tools to make your money work harder

Cash back No FX fee
Fee
£3 GBP/mo (≈ $4)
Foreign fee
None
Type
Debit card

Why we like it

  • All free-tier retailer cashback offers plus 5% AER on…
  • No foreign transaction fees
Apply now On Monzo's secure site View details
Monzo Credit card
Monzo Flex
Cash back
MASTERCARD
4.8 4.8 out of 5
Best for rewards
Credit card Monzo - Mastercard

Monzo Flex

9.6/10

Buy now, pay smart – the award-winning Monzo credit card

Cash back Pay in installments No FX fee
Fee
No fee
Interest
from 29%
Interest-free
-

Why we like it

  • Earn cashback at selected partner brands (2–10% depending on…
  • No card fee
  • No foreign transaction fees
  • Pay in installments
Apply now On Monzo's secure site View details
Monzo Debit card
Monzo Max
Cash back
MASTERCARD
4.5 4.5 out of 5
Best for travel insurance
Debit card Monzo - Mastercard

Monzo Max

9.0/10

The fully loaded account with travel and phone cover

Cash back No FX fee
Fee
£17 GBP/mo (≈ $21)
Foreign fee
None
Type
Debit card

Why we like it

  • All Perks-tier rewards plus: 3.25% AER on savings pots,…
  • No foreign transaction fees
  • Travel insurance included
Apply now On Monzo's secure site View details
Monzo Debit card
Monzo Perks
Cash back
MASTERCARD
4.3 4.3 out of 5
Best for rewards
Debit card Monzo - Mastercard

Monzo Perks

8.6/10

Everyday perks baked into your bank account

Cash back No FX fee
Fee
£7 GBP/mo (≈ $9)
Foreign fee
None
Type
Debit card

Why we like it

  • All Extra-tier cashback and savings features, plus lifestyle perks:…
  • No foreign transaction fees
Apply now On Monzo's secure site View details
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