How to Open a Monzo Account in the UK (2025) — Step-by-step

Monzo is a popular app-first UK bank with simple sign-up, budgeting tools, and an easy debit card — often a top choice for migrants starting life in the UK.

Monzo banking app on smartphone with coral debit card on a modern desk setup
Opening a Monzo account in the UK — digital banking made simple for migrants and residents.

This guide walks you through the Monzo sign-up flow, the documents you may need (ID & proof of address), how to receive your debit card, what to expect for payroll, and quick fixes for common signup problems in 2025.

Want someone to check your documents before you apply? View Resinaro Services →

Quick checklist (before you start)

  • Passport or BRP (good, readable photos)
  • UK mobile number for verification SMS
  • Proof of UK address (if requested)
  • Good selfie / short video for liveness checks
  • Revolut/Monzo app installed and updated

Step-by-step

  1. Download the Monzo app from the App Store or Google Play.
  2. Start registration with your email and UK mobile.
  3. ID check — Monzo typically asks for a short selfie video (liveness) and a photo of your passport or BRP.
  4. Address verification — if requested, upload a recent utility/bank/council tax statement or tenancy agreement.
  5. Receive card — Monzo posts a Mastercard debit card to your UK address; you’ll activate it in-app.
  6. Set up salary — provide your Monzo sort code and account number to your employer for payroll.

Proof of address — common documents

Monzo is flexible but rules can change. If asked, prefer documents dated within 3 months (or as requested):

  • Bank statement with your name & postcode
  • Council tax bill
  • Utility bill (electricity, gas, water)
  • Tenancy agreement or rent book
  • Official government letters (HMRC, DWP)

If you lack UK address proof, Monzo sometimes offers alternatives — be honest in the app and follow their support flow.

Monzo vs Revolut vs Starling vs Traditional banks

FeatureMonzoRevolutStarlingTraditional Bank
App & budgetingExcellent (pots, budgets)Good (multi-currency)Good (business features)Varies
Account setup speedFastVery fastFastSlower
Debit cardYes — MastercardYesYesYes
FSCS protectionFSCS for eligible deposits (check Monzo)Varies by productFSCS protectedFSCS protected
Best forEveryday banking & budgetingInternational transfers & multi-currencyBusiness & personal bankingFull-service banking

Common issues (and fixes)

  1. Video selfie rejected → Retry in a well-lit area, follow the app frame guidance, and avoid hats/glasses during the check.
  2. Card not delivered → Confirm your postcode and address spelling in-app; contact Monzo support if it’s late.
  3. Cannot add salary → Give your employer the exact sort code/account number from the Monzo app (copy/paste avoids errors).
  4. Address proof flagged → Upload a different document (bank statement or council tax) and ensure the date is visible.

Useful links

FAQs

Do I need a UK address to open Monzo?

You usually need a UK address to receive a card. If you’re temporarily without one, Monzo may offer alternative checks — follow the app instructions or contact support.

How long until my Monzo card arrives?

Card delivery times vary by area but typically arrive within a few working days. Check tracking in the app if available.

Can I open Monzo for joint or business use?

Monzo offers business accounts and some joint account features — see Monzo’s product pages for eligibility and differences.

Want help preparing proof-of-address or checking documents before you apply?

View Resinaro Services →

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Open a Monzo Account in the UK (2025) — Guide for Migrants