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Bank of Scotland Mobile App Vs. Monzo - Mobile Banking

Bank of Scotland Mobile App vs Monzo - Mobile Banking Usage & Stats

Secure, convenient, on the go Discover why millions of current account customers choose our app. Stay on top of your money with customisable tools that help you keep track of your day-to-day spending and stay ahead of your bills. EASY AND SIMPLE ACCESS • Use your face or fingerprint to log in faster and more securely. • Just open the app and explore your spaces to get quick access to everything you need, from balances and savings to pensions and investments. CONTROL FOR YOUR CARDS • Whether your card is lost, stolen, or simply misplaced, relax knowing you can freeze it, order a new one or look up your card details. BE IN THE KNOW • Stay ahead of your bills - your upcoming payments summary lets you know what’s being paid and when. • Spending insights helps you understand where your money goes every month. • Check your credit score and get personalised hints and tips to help you stay in control of your money and move closer to your big dreams, like getting a new home. • Never miss important updates again: personalise your notifications to stay on top of everything. IN FOR A PENNY • Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound and moves the change into a savings account. • Get cashback from your favourite retailers with Everyday Offers. HOW WE’LL CONTACT YOU Using our app won’t affect how we contact you. Our emails will address you by your title and surname, and include the last four digits of your account number, or the last three digits of your postcode. Any text messages we send you will come from BANKOFSCOT. Be aware of any message that differs from this – it could be a scam. IMPORTANT INFORMATION Your phone’s signal and functionality may affect your service. Terms and conditions apply. You must not download, install, use or distribute our Mobile Banking apps in the following countries: North Korea; Syria; Sudan; Iran; Cuba and any other country subject to UK, US or EU technology export prohibitions. When you use this app we collect anonymous location data to help combat fraud, fix bugs and improve future services. Everyday Offers is available to Bank of Scotland current account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply. Fingerprint Logon requires a compatible mobile running Android 7.0 or higher and may not work on some tablets. Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Google Play Store
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Finance

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Monzo - Mobile Banking

Monzo is the digital banking app that rewards you for being you. With one app to manage all your finances, in real time. Open an account in a few minutes. CASH BACK FOR ALL Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account. Cash back means cash: withdraw, spend or save it. Cash back is instant, straight into your account or Savings Jar. Instant access to cash with our network of 38,000 free ATMs across the US. Real-time notifications each time you spend on your debit card. Set a target for how much you want to spend and we’ll help you stay on track.* NO STRESS SAVINGS With a Preferred account, get our best savings rate of 3.75% APY interest. With an Everyday account, you’ll receive 2.00% APY. Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster. Set aside money for trips, bills, emergency funds and more in a Savings Jar. Automatically contribute a portion of your paycheck towards your goals. Turn your spare change into savings with automatic roundups. ONE APP FOR ALL YOUR FINANCES Connect all of your accounts and cards for a big picture view of your finances. You can connect all your accounts on with Preferred. Get money saving insights across all your bank accounts and credit cards. Get paid early with a direct deposit. Your money is eligible for FDIC pass-through insurance up to $250,000 SERIOUSLY SECURE Your money is eligible for up to $250,000 in FDIC pass through insurance.** Anti-fraud systems that help keep your money safe, without adding friction for you. Protect your money with Touch ID, Face ID, and PIN. *Monzo Preferred account may be required to access certain features. Fees and terms apply, see monzo.com/us for more details. Monzo’s Savings Jar Annual Percentage Yield (APY) is as of November 25 2025. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108 Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov. The Monzo Mastercard Debit Card is issued by Sutton Bank or Lead Bank, Members FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ¹Your funds are held at Sutton Bank or Lead Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank or Lead Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.