Monzo Routing Number: US Expansion Guide

What is the Monzo routing number?

Monzo uses routing number 021214891 for its U.S. banking accounts, provided through its partnership with Sutton Bank. Monzo is a UK-based digital bank that expanded into the United States to offer its mobile-first banking experience to American customers.

Monzo's U.S. product operates differently from its UK counterpart. While Monzo holds a full banking license in the UK, its U.S. accounts are offered through Sutton Bank, an FDIC-insured institution, ensuring deposit protection for American customers.

How to find your Monzo routing number

Open the Monzo app and tap on your account to view your routing and account numbers. Monzo displays your U.S. banking details in the account settings section, formatted for direct deposit and transfer setup.

If you are a Monzo UK customer traveling to the United States, note that your UK account details are different from U.S. routing and account numbers. You need a Monzo U.S. account to access U.S. banking features.

Monzo direct deposit and features

Monzo U.S. supports direct deposit using your assigned routing and account numbers. Provide these details to your employer to receive your paycheck directly into your Monzo account. Early direct deposit may be available depending on when your employer submits payroll.

Monzo is known for its budgeting tools, instant notifications, and fee-free spending abroad. The app provides real-time transaction alerts, spending categories, and savings pots to help users manage their money effectively.

Monzo transfers and limitations

Monzo U.S. supports ACH transfers to and from external bank accounts for moving money between institutions. Standard ACH transfers typically take one to three business days to complete.

Monzo's U.S. product does not currently support domestic or international wire transfers. For wire transfer needs, you will need to use a traditional bank or a fintech platform with wire capabilities. Monzo focuses on everyday spending and budgeting.

Business banking with Slash

Monzo is a great personal banking app, but businesses need more. Slash offers a full business banking platform with complete ACH and wire transfer support, unlimited virtual cards, automated expense categorization, and real-time financial reporting.

Slash is built for businesses that demand professional financial tools. With up to 2% cashback on card spend, multi-entity management, multi-user access, granular spend controls, and seamless accounting integrations, Slash is the smart choice for business banking.