For UK customers, Monzo is a regulated bank, and eligible deposits are protected by the FSCS up to £120,000 per depositor per bank under Monzo’s December 2025 information sheet. That protection is not a guarantee against fraud, temporary account-access problems, investment losses or losing money above the limit. No sale of Monzo Bank Limited is established in the cited company material: a reported share sale at its parent level does not, by itself, mean the bank or customer accounts were sold.
Is Monzo a real UK bank?
Yes. Monzo says Monzo Bank Limited is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA). Its status as a bank matters for eligible deposits and regulation; it does not make every product Monzo offers a bank deposit or remove all risks. Monzo’s safety guidance describes its regulatory status and account protections.
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How much is protected if Monzo fails?
Monzo’s FSCS information sheet, Version 2.0, dated December 2025, states that eligible deposits are covered up to £120,000 per depositor per bank. This is the limit stated in that sheet; check the current terms and your account’s eligibility because protection rules and disclosures can change. See the December 2025 information sheet and Monzo’s deposit-protection explanation.
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Monzo accounts are aggregated
The limit applies to a depositor’s eligible deposits at the bank, not separately to every Monzo account. The information sheet illustrates this with £80,000 in savings and £50,000 in a current account: the FSCS would pay £120,000, leaving £10,000 potentially uncovered.
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Joint and business accounts
For an eligible joint account, each holder has their own £120,000 limit, according to the information sheet. Eligible business deposits are treated as belonging to one depositor. Confirm that the specific account and funds qualify, and keep your contact details up to date.
What FSCS deposit protection does not cover
This limit is for eligible deposits if a bank fails; it is not blanket protection against scams, card fraud, a temporary inability to access an account, or losses exceeding the cap. Investments have separate protection rules, and the reviewed Monzo investment disclosures do not establish a single investment-protection limit for this article. A card chargeback may help with some purchase disputes, but Monzo says it is not guaranteed; chargeback is not FSCS deposit protection.
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What security measures does Monzo offer?
Monzo describes app biometrics, extra checks for larger payments or withdrawals from Pots, trusted contacts or known locations, a secret QR code, Call Status to check whether an incoming call is genuinely from Monzo, virtual card details, device review and card freezing. These are controls customers can use, not proof that fraud or account-access problems cannot happen. The details are on Monzo’s safety page.
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The FCA announced a £21 million fine for failings in Monzo’s financial-crime controls, including onboarding, customer risk assessment and transaction monitoring. The regulator said Monzo completed a change programme to remediate and enhance its wider framework. This is a material governance concern, but it is not evidence that eligible deposits have lost FSCS protection: regulatory enforcement and deposit eligibility are different questions. Read the FCA’s announcement for its findings.
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Has Monzo been sold?
The cited materials do not establish that Monzo Bank Limited has been sold. Monzo’s FY2025 annual report refers to a secondary share sale and describes Monzo Bank Holding Group Limited as the group financial holding company, with Monzo Bank Limited as its UK bank subsidiary. A shareholder selling shares in a holding company is not, by itself, proof that the licensed bank was sold or that customer accounts moved. The relevant documents are the FY2025 annual report and the Companies House filing history for Monzo Bank Holding Group Limited.
Would my account automatically move if Monzo were sold?
There is no transaction-specific answer because the cited sources do not set out an announced sale of Monzo Bank Limited. The effect would depend on which legal entity changed ownership, the deal terms, and any notices or regulatory directions. Do not assume that an account, app access, interest rate, terms or deposit-protection position would necessarily stay the same—or automatically transfer.
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If a transaction is announced, read the bank’s customer notices and official transaction documents. Check which authorised bank would hold your deposits, whether your eligible balances would remain within the applicable FSCS limit, and whether the bank or regulators require you to take any action.
Is Monzo safe to use overall?
The evidence supports a qualified answer, not a guarantee. Monzo is a UK-regulated bank, and its December 2025 sheet sets out FSCS protection for eligible deposits up to £120,000 per depositor per bank. Monzo also describes security controls, while the FCA’s fine documents past financial-crime control failures and the regulator’s stated remediation. Those facts help explain the protections and risks; they do not amount to an independent assessment of Monzo’s solvency or a measure of how effective its security features are.
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Monzo reports £25.7 billion in deposits and 15.2 million total customers in its FY2026 annual report overview. Those are company-reported scale figures, not independent measures of safety or solvency. See Monzo’s FY2026 annual report overview.
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