Embark on a seamless and modern banking experience with one of the most popular neo-banks, Monzo. To open a Monzo account online is quick and can be done from the comfort of your home. Here's a six-step guide to get you going.

1. Eligibility Check

You must be at least 16 years old and a UK resident with the right to reside here to be eligible for a Monzo personal account. Keep your mobile phone and a valid photo ID handy.

2. Install the Monzo App

Find and download the Monzo app from either the App Store or Play Store.

3. Get Set Up

The Monzo app has a personalised setup stage that learns how you are likely to get the most out of their services. Follow the instructions and fill in your details which will include:

• your home address
• email
• phone number
• occupation.

4. Verify Your Identity

Complete the identity verification process by uploading a picture of your ID and taking a selfie video. This step ensures your security and confirms your identity in the most convenient way.

5. Choose Your Monzo Account

Explore Monzo's account options and select the one best suited to you.

We recommend you start with the Monzo free account.

• Monzo - FREE
  • FSCS Protected banking
  • Spending categories
  • Pots for separating money
  • Instant notifications
• Monzo Plus - £5/mo
  • Virtual cards
  • Credit tracker
  • 1.00% AER (variable) up to £2000
  • Free withdrawals abroad*
• Monzo Premium - £15/mo
  • Metal card
  • Phone & travel insurance
  • Discounted airport lounge
  • 5 free cash deposits per month

6. Activate Your Monzo Card

Your Monzo card will be sent to you promptly. Once it arrives, follow some simple instructions in the app to activate it.

Congratulations! You've successfully opened and activated your first Monzo account. Now, maximise its potential with the Emma app.

Connect your Monzo account to Emma to manage your finances effortlessly with personalised budgeting tools, insightful visuals and relevant money-saving tips.

Monzo and Emma create a robust financial hub to help you achieve your financial goals.