Monzo Bank - Mobile Banking ES

SPAIN, LET’S DO THIS.

Get on the waitlist for early access to a free Monzo bank account.*

We’re new to Spain, but we’ve spent over 10 years helping people feel good about their money in the UK. Families, friends and businesses across the UK use Monzo to track their spending and savings, and now it’s Spain’s turn.

FREE ACCOUNTS FOR YOU, YOUR FAMILY AND YOUR BUSINESS.

✅ *Free account for you and everyone in your life – from Personal and Joint to Business and Under 18s
✅ Your first 3 ATM withdrawals every 30 days are free — at home or abroad.
✅ You don’t need to worry about hidden fees or charges catching you out each month.
✅ Free your money with a free account that lets you pay anywhere, in any currency with no foreign transaction fees.

(Limits and account Ts&Cs apply.)

FEE-FREE INSTANT ACCESS SAVINGS.

Grow your money without locking it away. Earn interest** on your instant access savings, available with a free Monzo account.

💰Dip into your savings whenever you want without paying a cent.
💰Turn spare change into savings. Send your spare cents into a digital coin jar with roundups.
💰Set savings goals and track your progress.
💰No need to deposit a single cent to open your Pot.

SEE YOUR MONEY MORE CLEARLY.

🪙 See your spends with Trends. Track your spending so you know where your money’s going.
🪙 Separate your savings into different Pots. Create up to 20 Pots to keep things organised – you can even automate bills to be paid from a pot.
🪙 Set how much you want to spend each month with targets, and track your progress on an interactive graph.

BUSINESS FEELS BETTER WITH MONZO.

It’s hard enough coming up with a solid business idea, let alone wrapping your head around all the admin. Whether you’re a freelancer, start-up or scale-up, Monzo takes the hassle out of growing your business.

🔹 No hidden fees or charges, with tools built for business.
🔹 Create compliant e-invoices and make getting paid simpler.
🔹 Send and receive money easily with a Spanish IBAN.
🔹 Get a complete view of your finances with real-time spending insights.

SECURITY YOU CAN BANK ON.

With fraud protection and 24/7 support for anything urgent, your money isn’t going anywhere you don’t want it to.

🔒If someone calls you saying they’re from Monzo, you can check if it’s true or not in the app with our “We’re calling you” feature. If it doesn’t say we're talking to you, hang up because it's a scam.
🔒No worries if you can’t find your card– freeze it with one tap in the app, then hit unfreeze if it shows up again.
🔒Keep tabs on transactions with instant notifications that let you know the second you spend (or if someone else tries to).
🔒Switch on face or fingerprint ID to approve payments and unlock your app with just a glance or tap.
🔒Add three layers of protection when making large payments. Set permissions to known locations, a secret QR code, or trusted contacts to verify it’s really you.

*Free account: 0% AER, 0% NIR. No maintenance fees.
** Savings Example: Interest is settled monthly and applies to any amount deposited in the Monzo Savings account, with a 100,000 EUR limit. Under the current 2.50% AER, 2.47% NIR, maintaining a daily balance of 10,000 EUR in a Monzo Savings account for 12 months would generate 250 EUR in gross interest.