Founded in 2015 and headquartered in London , Monzo is one of the most popular and feature-rich digital banks in Europe that enables customers to launch a fully-fledged UK bank account from the comfort of their smartphones . Users can choose between a wide variety of accounts , including free and premium ones . Multi-account management , credit cards , and stable savings are a reason why Monzo stays on top of the list . Customers also have access to loans , overdrafts , and security options . A personal account on Monzo also supports modern transactions , including shared tabs , utility and bill management , and versatile savings options . Monzo also offers a physical debit payment card that has proven popular with customers .
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