Monzo Bank Limited, trading as Monzo, is a British online digital retail bank headquartered in London, UK. Founded in 2015 as Mondo, Monzo offers personal and business banking services including current accounts, savings, ISAs, investments, pensions, credit cards, loans, and insurance. It is fully regulated by the Financial Conduct Authority and Prudential Regulation Authority, serving over 16 million customers with a focus on innovative, app-based banking solutions.