{"app_store_id":1052238659,"slug":"monzo-bank-mobile-banking-1052238659","name":"Monzo Bank - Mobile Banking","subtitle":"Personal & business banking","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/06/23/ac/0623ac15-8bc1-55fe-8e00-e9aab4c967bf/AppIconProd-0-0-1x_U007ephone-0-1-0-0-sRGB-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/monzo-bank-mobile-banking/id1052238659?uo=4","price":0,"currency":"USD","rating":4.74982,"rating_count":5688,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":"2026-10-21T03:36:12.818Z","primary_genre":"Finance","version_date":"2026-10-15T10:00:50Z","updated_at":"2026-10-21T03:36:12.818Z","stale":false,"missing_since":null,"one_liner":"A UK mobile bank app for current accounts, spending tracking, savings Pots, bill splitting, investing and credit cards.","verified_maker":false,"maker_site":null,"file_size_bytes":495339520,"minimum_os":"17.0","content_rating":"4+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a8/c5/2a/a8c52af4-2000-ac92-b285-c8b4d2a4c67e/iOS_1242x2208_01.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6a/06/91/6a069106-eaaa-1362-783b-e10b505b9c58/iOS_1242x2208_02.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/92/b5/7e/92b57eb5-408f-77f1-b81d-252be00d58b7/iOS_1242x2208_03.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/3d/00/6c/3d006cf2-681d-e133-4a38-088239e5b509/iOS_1242x2208_04.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/01/1e/7c/011e7c3a-46c2-939a-23a7-fe390cba5f28/iOS_1242x2208_05.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/2c/34/fc/2c34fc7b-b788-ebee-d83e-249360fb79bd/iOS_1242x2208_06.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/57/96/21/57962135-59c6-59e2-5bad-0d2279beceef/iOS_1242x2208_07.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/88/d8/88/88d8886d-0c49-5f81-c0ea-6f4d3375f81a/iOS_1242x2208_08.jpg/392x696bb.jpg"],"developer_name":"Monzo Bank Limited","editors_choice":false,"url":"https://apptierlist.com/apps/monzo-bank-mobile-banking-1052238659/","api_url":"https://apptierlist.com/api/v1/apps/monzo-bank-mobile-banking-1052238659","schema_version":"1.0","generated_at":"2026-10-22T09:45:12.743Z","data_as_of":"2026-10-22T09:04:12.618Z","description":"MAKE YOUR MONEY MORE MONZO\n\nImages and description are relevant for the UK only.\n\nHi, we're Monzo – a bank that lives on your phone.\n\nNumbers are kind of our thing. Here are a few of our favourites:\n\n16 million: how many people bank with us\n1 million: how many businesses bank with us\n24/7: the hours and days you can chat to our customer support\n\nOPEN A FREE MOBILE BANK ACCOUNT IN MINUTES\nTrack spending, save money, split bills and manage your finances, all in one app\nSent money by mistake? Undo a payment within seconds before it leaves your account\n\nGET TO KNOW WHERE YOUR MONEY GOES\nGet instant notifications when money comes in and out of your account\nLearn about your spending habits with weekly and monthly insights\nSchedule your bills or regular monthly payments and manage subscriptions\nGet that payday feeling one business day early when your salary is paid via Bacs\nFree yourself from travel fees. Pay anywhere, in any currency on your debit or credit card (we pass Mastercard's exchange rate directly onto you, without hidden fees)\n\nSUPERCHARGE YOUR SAVINGS WITH POTS\nCreate personalised Pots to separate spending money and savings\nTurn spare change into savings with automatic roundups\nEarn interest on money with Instant Access Savings Pots\n\nSPLIT AND PAY THE MONZO WAY\nSplit bills, send reminders, and keep track of joint costs\nGet paid back or make payments with a link (limits apply: £500 for requesting money and £250 for making payments with a link)\n\nINVEST IN WHAT MATTERS TO YOU\nChoose from a range of investing options to suit your interests, financial goals, and the level of risk you’re happy with\nStart with as little as £1\nGrow your investing know-how with bite-sized topics on investing essentials\nThe value of your investments may go up or down. You could get back less than you put in. UK residents 18+. Ts&Cs apply\n\nMONZO FLEX: AN AWARD-WINNING CREDIT CARD\nMonzo Flex is a credit card you can count on. It gives you real-time balance updates, a credit limit up to £10,000 and a 0% offer you can use time and time again.\n\nProtect eligible purchases made with the Flex card with Section 75 Protection\nApply from your Monzo bank account. Eligibility criteria & Ts&Cs apply. 18+. Not keeping up with payments may negatively impact credit score\nRepresentative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable)\n\nBUSINESS BANKING FEELS BETTER WITH MONZO\nMonzo Business Banking helps small businesses stay on top of their finances. Voted Best Business Banking Provider at the 2024 British Bank Awards.\n\nChoose from Lite for free or upgrade to Pro or Team from £9 p/month\nEnjoy automated Tax Pots, multi-user access, invoicing, expense cards and more\nConnect Xero, FreeAgent, Sage or QuickBooks for taxes and accounting\nSend and receive money internationally: make payments from your bank account (depending on the currency, you may need a Wise account. Fees apply) and receive money from 40+ currencies via SWIFT\nOnly sole traders and limited company directors in the UK can apply. Ts&Cs apply.\n\nTRUSTED BY MILLIONS\n16 million customers and counting\nVoted Best Business Banking Provider – 2024 British Bank Awards\n\nDownload Monzo today and join millions using mobile banking to make money simple.\nManage your finances, savings, travel payments, credit cards and business banking, all in one award-winning app.\n\nYour eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £120,000 per person.\n\nYou'll need a Monzo current account to access Investments, Instant Access Savings Pots and the Monzo Flex Credit Card.\n\nUK Residents only, Ts&Cs apply. Award is by Smart Money People.\nRegistered address: Broadwalk House, 5 Appold St, London EC2A 2AG","facts":{"developer_id":995273047,"developer_url":"https://monzo.com","first_released":"2016-02-04T15:43:22Z","support_url":"https://monzo.com/faq","privacy_url":"https://monzo.com/privacy/","website_url":"https://monzo.com/","app_version":"8.5.0","release_notes":"We're always keeping things running smoothly with regular bug fixes and maintenance. If there's something new, we'll shout about it. (Not literally. Apps can't shout).","rating_current_version":4.74982,"rating_count_current_version":5688,"star_counts":[219,44,79,257,5090],"genres":["Finance"],"languages":["EN","ES"],"content_advisories":null,"device_families":["iphone"],"chart":null},"freshness":{"apple_read_at":"2026-10-21T03:36:12.818Z","catalog_read_at":"2026-10-18T00:06:11.618Z","reviews_checked_at":"2026-10-21T03:36:12.818Z","summary_written_at":"2026-10-17T23:00:12.314Z","placed_at":"2026-10-17T06:30:13.635Z","scored_at":"2026-10-22T09:04:12.618Z"},"editorial":{"one_liner":"A UK mobile bank app for current accounts, spending tracking, savings Pots, bill splitting, investing and credit cards.","what_is":"Monzo Bank is a mobile-only bank for UK customers, offering a free current account with spending insights, instant notifications, and bill or payment scheduling. The listing also describes savings Pots, bill splitting, investing options, the Monzo Flex credit card, and Monzo Business Banking. The description states that images and text are relevant for the UK only.","good_for":["Tracking day-to-day spending and getting instant payment alerts","Splitting bills and sharing joint costs with friends or housemates","Saving through Pots and automatic roundups"],"pricing":"Monzo Bank - Mobile Banking is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free to download?","a":"Yes, the listing says free to download. Business plans are described as Lite free, or Pro or Team from £9 per month."},{"q":"Who can use Monzo Bank?","a":"The listing describes the app as a UK service. Investing is for UK residents 18+ with Ts&Cs applying. Monzo Flex requires eligibility criteria and is for 18+. Business Banking is only for sole traders."},{"q":"Are there limits on sending or requesting money with a link?","a":"Yes. The listing states limits of £500 for requesting money and £250 for making payments with a link. Investing starts from as little as £1, and the value of investments may go up or down."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T23:00:12.314Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":9,"tier":"S","score":92.4,"components":{"rating":97.1,"votes":95.7,"rank":76.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-17T06:30:13.635Z"},{"list":"money-management","list_name":"money management","list_status":"active","list_url":"https://apptierlist.com/best/money-management/","position":16,"tier":"A","score":86.1,"components":{"rating":97.1,"votes":95.7,"rank":51.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-17T06:30:13.635Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":148244,"at":"2026-10-17T20:24:11.694Z","kind":"tier_changed","list":"banking","app_store_id":1052238659,"app":"monzo-bank-mobile-banking-1052238659","from":null,"to":"S","reason":"score 73.2 to 92","job":"rescore"},{"id":143534,"at":"2026-10-17T06:38:13.388Z","kind":"tier_changed","list":"money-management","app_store_id":1052238659,"app":"monzo-bank-mobile-banking-1052238659","from":null,"to":"A","reason":"score 85.5","job":"rescore"},{"id":143354,"at":"2026-10-17T06:30:13.635Z","kind":"membership_added","list":"money-management","app_store_id":1052238659,"app":"monzo-bank-mobile-banking-1052238659","from":null,"to":"active","reason":"Marketed to track spending, with instant notifications, weekly and monthly spending insights, Pots for budgeting, and bill scheduling.","job":"shadow"},{"id":143353,"at":"2026-10-17T06:30:13.635Z","kind":"membership_added","list":"banking","app_store_id":1052238659,"app":"monzo-bank-mobile-banking-1052238659","from":null,"to":"active","reason":"A bank that lives on your phone: open a free mobile bank account, with debit/credit cards and salary paid via Bacs.","job":"shadow"},{"id":130244,"at":"2026-10-16T16:03:45.557Z","kind":"app_added","list":null,"app_store_id":1052238659,"app":"monzo-bank-mobile-banking-1052238659","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":9,"tier":"S","score":92.4,"components":{"rating":97.1,"votes":95.7,"rank":76.8,"recency":100},"ranks":[{"country":"us","rank":38},{"country":"gb","rank":5},{"country":"au","rank":24},{"country":"de","rank":5},{"country":"ca","rank":49}],"verdicts":[{"verdict":"keep","reason":"A bank that lives on your phone: open a free mobile bank account, with debit/credit cards and salary paid via Bacs.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-17T06:30:13.635Z","attempts":1,"current":true},{"verdict":"keep","reason":"Monzo is a full mobile bank with current accounts, payments and cards, managed entirely from the phone. It fits directly alongside the other mobile banking apps.","verifier":"list check","decided_at":"2026-10-17T06:30:13.635Z","attempts":1,"current":true}]},{"list":"money-management","list_name":"money management","status":"active","review_status":"checked","position":16,"tier":"A","score":86.1,"components":{"rating":97.1,"votes":95.7,"rank":51.6,"recency":100},"ranks":[{"country":"gb","rank":19},{"country":"au","rank":45}],"verdicts":[{"verdict":"keep","reason":"Marketed to track spending, with instant notifications, weekly and monthly spending insights, Pots for budgeting, and bill scheduling.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-17T06:30:13.635Z","attempts":1,"current":true},{"verdict":"keep","reason":"Spending insights, budgeting, Pots, roundups and subscription management are central to how Monzo presents itself. Someone comparing ways to track and manage spending would reasonably consider it.","verifier":"list check","decided_at":"2026-10-17T06:30:13.635Z","attempts":1,"current":true}]}]},"data_version":40755,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/monzo-bank-mobile-banking-1052238659/"}}