Question regarding new customers from overseas

Hi Monzo team,

How do you help new NHS staff from overseas open a Monzo account before arriving in the UK?

Some other challenger bank account opening mechanisms are more efficient than Monzos. As a loyal Monzo customer, I want to see that work well with Monzo.


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Regardless of where they are coming from or what they are coming to do/work, they would need to meet eligibility.


Can you kindly share the eligibility details for new international customers coming to the UK, please?

We are a small team of NHS doctors and recruiters and we want to build this process seamlessly for our candidates.


All the information required is in the link.

Step 1: Grab your mobile phone and photo ID
To open a Monzo account you need to be at least 16 years old and live in the UK full time, with the right to reside here.

Before you start, you’ll need your mobile phone and a valid ID. We accept your:

  • Passport
  • Driving licence (your provisional is fine)
  • National ID card
  • Biometric residency permit

As stated in the article @Revels posted - you need to be a UK resident to open a Monzo account.

Part of the verification process is address verification, and Monzo uses the physical card delivery and activation as part of that.

So, I believe it isn’t possible/permitted to open a Monzo account before being in the country.


Just to say that no-one who’s replied on this topic works for Monzo.

Tagging @AlanDoe who does and might be able to help!

That’s great. Thanks, Peter.

There’ll be more than 300 staff arriving from overseas into the NHS through us.
It’ll be helpful to the new staff/NHS/Us as recruiters.
And, Monzo, as well as they’ll be working for the govt and there’s never going to be a risk of job loss for NHS clinical staff.

You underestimate this government :rofl::sob:


Sadly this doesn’t count for anything.


I’m not an expert in this, but I don’t think that banks are overly worried about whether income is stable for just the current account.

While that would probably play a large part in lending (including overdrafts), I think the bigger hurdle generally would be about proving identity, residency status etc for folk we’re welcoming to the country.

(That’s not a value judgment by the way, just how the regulations and bank processes work, I think).

It’s always best to wait until you’re in the UK before applying for a Monzo account, as we’re only regulated in the UK we can only accept UK residents as customers.