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The stack · Index · Monzo Business
Profile · United Kingdom · checked 1 Sep 2026

Monzo Business

Monzo Bank Limited. Read here in the order of the method: entity first, licence second, protection third, interface last.

Legal entity
Monzo Bank Limited
Home country
United Kingdom
Licence type
Bank
Stage 2 · Licence

What the register says.

UK bank, firm reference number 730427, authorised in August 2016.

  1. Open FCA Financial Services Register and search the legal entity, not the brand.
  2. Search the number, not the name. Numbers do not get rebranded.
  3. Write down the field Firm reference number 730427 together with the date you checked it.

Register to open

FCA Financial Services Register
https://register.fca.org.uk/
Field: Firm reference number 730427
Stage 3 · Protection

What happens if this entity fails.

FSCS on eligible deposits, up to 120,000 pounds per depositor.

The reference number here is taken from an FCA final notice rather than a marketing page, which is the difference between a number you can cite and a number you copied.

What we have not verified yet

  • Current business account tiers and their limits
  • Support response times for business customers

An empty cell is more honest than a guess. These lines stay here until we can put a source next to them.

Stage 1 · Interface

What to look at before you migrate.

Monzo is a mobile first bank, and business banking sits inside the same app as personal. Check what your finance team loses when a device is lost.

Sources for this profile: FCA final notice, Monzo Bank Limited. Checked 1 Sep 2026.

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