How to Open a Monzo Account in the UK (2025) – Step-by-Step for Migrants
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. This guide explains each step so you know what to expect before you open the app.
This guide walks you through the Monzo sign-up flow, the documents you may need (ID and proof of address), how to receive your debit card, what to expect for payroll, and quick fixes for common signup problems in 2025. It is informational only and not official Monzo advice — always double-check details in the Monzo app and on their website.
If you are also preparing documents for the Italian consulate or other UK bureaucracy, having everything organised helps a lot. See our Prenot@Mi & consulate guide →
Want someone to check your documents before you apply or before a consulate appointment? View Resinaro services →
Ready to apply? Quick self-check
Spunta questi punti prima di iniziare la registrazione in app. It won't guarantee approval, but it reduces the most common problems people have when opening Monzo or other app-based UK banks.
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Quick checklist (before you start)
Before you start filming selfie videos, make sure you have these basics ready. They don't guarantee approval, but they avoid the most common blockers for migrants opening app-based UK accounts.
- Passport or BRP (good, readable photos)
- UK mobile number for verification SMS
- Address in the UK where you can receive the card
- Possible proof of UK address (if requested)
- Monzo app installed and updated
Step-by-step: from download to first salary
The Monzo signup flow is usually fast, but each step exists for a reason — UK banks must check your identity and where you live. Follow calmly and read the small tips so you don't get stuck on technical details.
- Download the Monzo app from the App Store or Google Play.
Resinaro tip: update your phone's operating system first — older versions sometimes cause issues with the camera or video upload.
- Start registration with your email and UK mobile.
Check you can receive emails and SMS on the same phone you will use for the app, so you don't lose codes.
- ID check — Monzo typically asks for a short selfie video (liveness) and a photo of your passport or BRP.
Use a well-lit room, clean the camera lens and follow the frame lines carefully. Hold your document steady and avoid covering any corner.
- Address verification — if requested, upload a recent utility, bank or council tax statement or tenancy agreement.
Documents usually need to be recent and clearly show your name and UK postcode. If you live in a house share or "all bills included" room, building your own proof can take a bit longer — meglio saperlo prima.
- Receive card — Monzo posts a Mastercard debit card to your UK address; you'll activate it in-app.
Make sure your name is visible on the postbox or let your flatmates know to expect a letter in your name.
- Set up salary — provide your Monzo sort code and account number to your employer for payroll.
Always copy and paste the details directly from the Monzo app into the form or email to your employer to avoid typos.
From download to first salary: simple timeline
Step 1 – Download & basic details
Install the app, enter your email and UK mobile number, and confirm your inbox/SMS codes.
Step 2 – ID & address checks
Record a short selfie video and upload your passport/BRP and, if requested, a proof-of-address document.
Step 3 – Card arrives
Your debit card is posted to your UK address. Activate it in the app once it arrives.
Step 4 – First salary paid in
Give your employer the sort code and account number from the app, and check your first salary payment goes through correctly.
Proof of address — common documents (especially if you just moved)
Proof of address is where many migrants get stuck. Monzo can be flexible, but they still need to see that you really live at the UK address you write in the app. Documents usually need to be recent and clearly show your name and postcode.
- Bank statement with your name & UK 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 — for example if you live in a house share with all bills included — it may take longer to collect your own documents. In the meantime, follow the options offered in the Monzo app and consider how you can start receiving letters in your own name. The same documents are often useful for consulate appointments and other UK services.
App banks vs traditional banks – quick overview
App banks (Monzo, etc.)
- Fast signup and modern app experience.
- Great for everyday spending and budgeting.
- Features and limits can change — always read the latest information inside the app.
Traditional UK banks
- Often more branches and in-person services.
- Common choice for some long-term financial products.
- Opening an account may take longer and require more paperwork.
This is a simplified overview, not financial advice. Always check each bank's official website and documentation before making a decision.
Monzo vs Revolut vs Starling vs traditional banks
You don't have to choose only one bank forever. Many migrants use an app bank for everyday spending and a traditional bank for other purposes. The table below is a quick, high-level comparison based on typical features, not personalised advice.
| Feature | Monzo | Revolut | Starling | Traditional Bank |
|---|---|---|---|---|
| App & budgeting | Excellent (pots, budgets) | Good (multi-currency) | Good (business features) | Varies |
| Account setup speed | Fast | Very fast | Fast | Often slower |
| Debit card | Yes — Mastercard | Yes | Yes | Yes |
| FSCS protection | FSCS for eligible deposits (check Monzo) | Varies by product | FSCS protected | FSCS protected |
| Best for | Everyday banking & budgeting | International transfers & multi-currency | Business & personal banking | Full-service banking |
3 quick tips for smoother Monzo ID checks
1. Clean the camera and use front-facing light
A quick wipe of the camera lens and standing facing a window or lamp can dramatically improve selfie video quality and reduce rejections — useful for Monzo and many other apps in the UK.
2. Keep your ID on a dark, flat surface
Place your passport or BRP on a dark table and hold the phone directly above it. Avoid patterned bedsheets or shiny surfaces that confuse the camera and cause glare.
3. Avoid public Wi-Fi during video upload
Use a stable home Wi-Fi or mobile data connection so the app doesn't hang or time out during uploads. This also helps when you open other digital accounts or services in the UK.
Common issues (and calm fixes)
- Video selfie rejected → Retry in a well-lit area, follow the app frame guidance, and avoid hats/glasses during the check.
- Card not delivered → Confirm your postcode and address spelling in-app; make sure your name is on the postbox and contact Monzo support if it's late.
- Cannot add salary → Give your employer the exact sort code and account number from the Monzo app (copy/paste avoids errors).
- Address proof flagged → Upload a different document (bank statement or council tax) and ensure the date is visible and recent.
Optional banking starter kit for migrants in the UK
You don't need special tools to open Monzo, but a few simple accessories make UK banking and paperwork much less stressful. These items are useful for any bank or consulate appointment – not just Monzo – and help you keep cards, letters and ID checks under control.
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Slim RFID card holder
Best for: Keeping your UK debit cards together and easy to reach.
- Helps keep Monzo and other cards in one place instead of loose in pockets.
- Useful when you switch from cash to contactless payments in the UK.
- Fits easily in a small bag or coat pocket when commuting.
• Check that it fits standard UK debit card size.
A4 document wallet / organiser
Best for: Storing bank letters, payslips and proof-of-address documents.
- Keeps all your UK paperwork in one place (bank, HMRC, landlord, consulate).
- Helps you quickly find a recent letter when an app asks for proof of address.
- Can be re-used for consulate appointments and translations.
• Look for wallets with multiple labelled sections.
Adjustable phone stand
Best for: Stabilising your phone during selfie videos and ID photos.
- Reduces shaky video when recording KYC selfies for Monzo or other apps.
- Keeps both hands free to hold your passport or BRP at the right angle.
- Also handy for video calls with family or support services.
• Choose a stable base that works on your desk or table.
Compact power bank
Best for: Avoiding low battery during signup and document upload flows.
- Helps when you're travelling or waiting in public spaces while completing checks.
- Useful beyond banking: maps, tickets, and consulate emails on the move.
• Check airline cabin rules if you travel often.
Useful links
FAQs about opening Monzo as a migrant
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 instructions in the app or contact support for the most up-to-date options.
How long until my Monzo card arrives?
Card delivery times vary by area but typically take a few working days. Always follow the latest information inside the app and contact Monzo support if the card is delayed.
Can I open Monzo for joint or business use?
Monzo offers business accounts and some joint account features — see Monzo's product pages and help centre for eligibility, limits and the most recent terms.
Can I open Monzo if I just arrived in the UK?
Many people start the process soon after arriving, as long as they have acceptable ID and a UK address. However, requirements can change, so always follow the instructions inside the Monzo app and check their official help centre.
Is Monzo okay to use for my salary?
Many employers pay salaries into Monzo using the sort code and account number shown in the app. Some employers prefer traditional banks, so always confirm with your HR or payroll team and check Monzo's official information. This page is informational only and not financial advice.
Want help preparing proof-of-address or checking documents before you apply — or before your next consulate appointment?
View Resinaro services →