How to Open Monzo Account: Step-by-Step Guide
Today, a smart financial tool at your fingertips is an essential. That’s where Monzo comes in: a flexible, all-in-one solution designed to simplify everyday banking. With the Monzo mobile app, you can manage your money anytime, whether it’s grabbing lunch with a colleague or planning a weekend getaway.
This step-by-step guide walks you through how to open a Monzo account and what you’ll need to successfully apply. Just follow a few quick steps, and you’ll be ready to start banking in minutes.
Who Can Open a Monzo Account?
Creating a bank account is one of the key steps toward smarter spending, saving, and budgeting. However, bank rules aren’t one-size-fits-all, so it’s important to check before you get started.
Here’s a quick answer to “What do I need to open a Monzo account?” You must be 16 years or older, reside in the UK, and provide a valid form of identification.
What You Need to Open a Monzo Account
Check the eligibility criteria below to see who can open a Monzo account and what's required:
- Age. You must be at least 16 to create a Monzo account. For younger users, Monzo offers an Under 16s option, designed to help teens spend, save, and learn money management with parental oversight.
- Residency. You can apply even if you’re not a UK tax resident, but you must live in the UK and have a residential address. Without it, the bank can’t open your account.
- Documents. You’ll need a valid ID — Monzo accepts a passport, driving licence (including provisional), national ID card (except CitizenCards), or a biometric residency permit.
- Mobile Number. To open a Monzo account online, you'll need a mobile number to register and verify your identity. All updates and security codes will be sent to this number, so make sure it’s active and accessible.
Once you have these requirements ready, you can set up a Monzo account in minutes through the app.
Step-by-Step Guide to Opening a Monzo Account
Monzo account opening is simple — just follow these steps:
Step 1: Download the Monzo App
The first step is to download the Monzo application on your smartphone — search for Monzo in the App Store or Google Play. After installation, open the app and sign up.
Step 2: Provide Your Details
Enter your personal information: name, date of birth, UK address, email, and phone number. Monzo may also ask a few questions about how you plan to use your account and what you do for a living to ensure security and personalize your experience.
Step 3: Verify Your Identity
Monzo verifies each customer’s identity by comparing a photo of your ID with a short selfie video. You can do this online (simply upload a valid ID and a recorded quick video). This process is needed to make sure the person opening the account is real.
Step 4: Choose the Right Account
Monzo offers different account types. Some include basic features, while others, such as Monzo Plus or Monzo Premium, provide extra perks like higher interest on savings, overdraft options, and additional insurance. Pick the one that best fits your needs — you can upgrade it later through the app.
Step 5: Activate Your Card
Monzo will send your new card by post, usually within a couple of days.
Once your card arrives, you can activate it by following the steps in the app. After activation, your account is ready to use.
Bottom Line
Opening a bank account doesn’t have to be a headache — with Monzo, it’s quick and simple if you meet the requirements. With the right documents, a short video, and just a few minutes, you can start banking with your new account in no time. Monzo's user-friendly app, smart budgeting tools, and responsive customer support take money management to a new level. See for yourself — choose the account that suits your needs and unlock its benefits.
