How to Open a Monzo Bank Account as an International Student

Opening a UK bank account is one of the first and most important things you need to do after arriving. Without one, you can't receive your student loan, get paid by an employer, or set up a standing order for rent.

Monzo is by far the easiest option for international students. You can open an account in under 10 minutes using just your passport — no NI number, no proof of address, no branch visit required.

What you need to open Monzo

• A valid passport (any nationality)
• A smartphone (iPhone or Android)
• A selfie video for identity verification
• A UK address (your university halls or a friend's address is fine)

That's it. No NI number. No utility bills. No bank statements.

Step-by-step: How to open Monzo

Step 1 — Download the app

Download the Monzo app from the App Store or Google Play. Open it and tap "Create account".

Step 2 — Enter your details

Fill in your name, date of birth and email address. Create a secure password.

Step 3 — Verify your identity

Scan your passport using your phone camera. Then record a short selfie video following the on-screen prompts. Monzo uses this to confirm you are who you say you are.

Step 4 — Enter your UK address

Enter the address where you want your card delivered. This can be university halls, your new flat or a friend's address. The card arrives in 3–5 working days.

Step 5 — Verification complete

Monzo will review your application within a few hours (often minutes). Once approved, your account is open and you get a sort code and account number immediately — even before the card arrives.

How to get the £5 bonus

Use our referral link below to open your account. Once you've made your first payment, Monzo will add £5 to your account automatically. It's their referral incentive and you qualify as a new customer.

Monzo vs Starling — which is better?

Both are excellent. Monzo has a slightly better app and spending analytics. Starling has no foreign transaction fees at all. For most students, Monzo is the better starting point due to faster setup and the welcome bonus.

Can I use Monzo as my main student bank account?

Yes — thousands of international students use Monzo as their primary UK account. You can receive international transfers, set up direct debits, and use it anywhere Mastercard is accepted. The only limitation is no cash overdraft, but for most students this isn't a problem in the first year.

Frequently asked questions

Do I need an NI number to open Monzo?

No. You only need your passport and a UK address for delivery.

Can I receive money from abroad into Monzo?

Yes. Your Monzo account has a UK sort code and account number. You can receive GBP transfers from international sources using services like Wise or Remitly.

Is Monzo safe?

Yes. Monzo is fully regulated by the FCA and your money is protected by the FSCS up to £85,000.