What Is the Monzo Sort Code?

Last reviewed: 30 June 2026
Audience: UK banking customers

Editorial note: This guide prioritises Monzo’s official help pages, the Financial Conduct Authority register, Pay.UK and UK Finance. Third-party directories and Monzo Community discussions are used only as supporting evidence where Monzo does not publicly list every customer sort code on its main help pages.

Important information: This article provides general banking information, not personalised financial advice. Always use the sort code and account number displayed for the relevant account in your Monzo app. Contact Monzo through the official app when your details are missing, disputed or rejected.

Monzo is publicly listed with six sort codes in the range 04-00-03 to 04-00-08. This range includes 04-00-03, 04-00-04, 04-00-05, 04-00-06, 04-00-07 and 04-00-08.

However, a sort code being allocated to Monzo does not necessarily mean it is currently issued to every account type or available to every customer. Your correct Monzo sort code is always the six-digit code displayed alongside your account number in the Monzo app.

This guide explains Monzo’s listed sort-code range, how to find the code assigned to your account and what to do if an employer, payment provider or website does not recognise it.

Quick Answer: What Is the Monzo Sort Code?

Monzo is listed with the sort-code range 04-00-03 to 04-00-08,

giving it six allocated codes:

• 04-00-03
• 04-00-04
• 04-00-05
• 04-00-06
• 04-00-07
• 04-00-08

That does not mean you can use any of these codes interchangeably. You must use the exact sort code shown for the relevant account in your Monzo app.

Question	Direct answer
How many sort codes are listed for Monzo?	Six, covering 04-00-03 to 04-00-08.
Are all six issued to ordinary customers?	Monzo’s public help page does not confirm which codes are currently customer-facing.
Which code should you use?	The exact code displayed in your Monzo app.
Can you replace one Monzo code with another?	No. A sort code and account number must be used as the assigned combination.
Where can you check your code?	In the relevant account’s Home feed or under Manage and Account Details.

What Does a Monzo Sort Code Mean?

A sort code is a six-digit number used within the UK banking system to help route payments to the appropriate bank and account-processing arrangement.

It is normally displayed as three pairs of digits:

04-00-04

A website that does not accept hyphens may display or request the same code as:

040004

These are two formats for the same six-digit code.

Your sort code works with your account number. The sort code identifies the banking route, while the account number identifies the individual account within that route. A person making a UK bank transfer will normally need the recipient’s account name, sort code and account number.

Is your Monzo sort code unique to you?

No. A sort code is not a unique personal identifier.

Many customers may share the same sort code. Their accounts are distinguished by their individual account numbers and the records held by the bank.

You should therefore not be concerned simply because another Monzo customer has the same sort code. However, you must still check the account name, sort code and account number before making or requesting a payment.

Is your sort code printed on your Monzo card?

Monzo’s current help page says that, when your card is visible in the app, the sort code and account number may appear on the digital card. You can also find them under the account-management area or at the top of the account’s home feed.

Do not confuse your sort code with:

• the long debit-card number;
• the card expiry date;
• the three-digit security code;
• your account number;
• your IBAN or BIC.

These numbers serve different purposes.

How Many Monzo Sort Codes Are There?

Monzo is publicly listed as having six allocated sort codes, running consecutively from 04-00-03 to 04-00-08.

The listed range is:

Sort code	Publicly listed bank
04-00-03	Monzo
04-00-04	Monzo
04-00-05	Monzo
04-00-06	Monzo
04-00-07	Monzo
04-00-08	Monzo

It is important to distinguish between a code being allocated to Monzo and being actively issued to a particular type of customer account. Monzo’s official account-details guidance does not provide a public breakdown showing which codes are used for personal, joint, business, operational or testing purposes.

A Monzo community discussion from September 2023 stated that 04-00-03 and 04-00-04 were the public-facing codes at that time, while other allocated codes were mainly used for testing. That historical community information should not be treated as proof of the current position in 2026.

How Do You Find Your Monzo Sort Code in the App?

Monzo’s current help guidance provides several ways to find your account details.

Step 1: Open the official Monzo app

Open the Monzo app directly from your device and complete the normal security checks.

Avoid signing in through unsolicited links sent by text, email, messaging apps or social media. Fraudsters may create convincing messages that appear to come from a bank.

Step 2: Select the correct account

Tap the account for which you need the information.

This may be your:

• personal current account;
• joint account;
• business account;
• other eligible Monzo account.

Do not assume that the details shown for one account automatically apply to another.

Step 3: Open the account details

Monzo’s help page currently says to:

1. Tap the Home icon in the app’s menu bar.
2. Select the relevant current, joint or business account.
3. Tap Manage on the right-hand side of the transaction feed.
4. Scroll to Account Details.

Monzo also says the sort code and account number may appear at the top of the account’s home feed, above the balance.

App layouts can change, so follow the labels shown in the current version of the Monzo app.

Step 4: Copy the information carefully

Use the app’s copy or sharing function where available. This can reduce the risk of:

• reversing digits;
• omitting a zero;
• placing the account number in the sort-code field;
• copying details from the wrong account.

Before sharing the information, confirm:

• the registered account name;
• the six-digit sort code;
• the account number;
• the account type;
• any reference requested by the payer.

Why can’t you see your Monzo account details?

Monzo says account details are only displayed after the debit card has been activated.

When your card is already active but the details are unavailable, you can:

• confirm that you selected the correct account;
• update the Monzo app;
• close and reopen it;
• check your internet connection;
• confirm that the account-opening process is complete;
• contact Monzo through the Help section of the official app.

These are general troubleshooting steps. Only Monzo can explain an account-specific restriction or technical problem.

What Is the Difference Between a Sort Code and Account Number?

Your sort code and account number are separate identifiers.

Detail	Typical format	Main purpose
Sort code	Six digits, such as 04-00-04	Routes a UK payment to the appropriate banking destination
Account number	Usually eight digits	Identifies the individual UK account
IBAN	Longer combination of letters and numbers	Identifies an account for international transfers
BIC or SWIFT code	Letters, sometimes with numbers	Helps identify a bank in international payment systems
Debit-card number	Usually 16 digits	Identifies the payment card rather than the bank account

A UK bank-transfer form commonly asks for both the sort code and account number. MoneyHelper also advises that a transfer usually requires the recipient’s account name, sort code and account number.

Which number appears first?

UK account details are commonly shown with the sort code followed by the account number.

For example:

Sort code: 04-00-04
Account number: 12345678

The account number above is fictional and is included only to demonstrate the format.

Why are both numbers required?

The combination enables the payment system to route money to the intended account.

A sort code alone does not identify an individual customer. An account number without the correct banking route may also be insufficient.

What Can You Use Your Monzo Sort Code For?

Your Monzo sort code may be required for several everyday banking activities.

Receiving a UK bank transfer

A person or organisation paying money into your account may request:

• your registered account name;
• your sort code;
• your account number;
• a payment reference.

Copy these details directly from the relevant Monzo account.

Receiving your salary

You can provide your Monzo account details to an employer or payroll department.

Use your registered account name rather than a nickname. UK Finance advises customers receiving payments to provide their full name because initials, informal names or shortened versions can affect Confirmation of Payee checks.

Setting up a Direct Debit

An organisation setting up a Direct Debit will generally ask for your account number and sort code. Monzo directs customers to the Home area of the app to retrieve these details.

Before authorising a Direct Debit, check:

• the organisation’s identity;
• what service you are paying for;
• the expected amount;
• the payment frequency;
• the cancellation terms.

Moving money between your own accounts

You can use your Monzo account details to transfer money from another UK bank.

Where supported, Open Banking or an in-app account connection may allow you to move money without entering the details manually.

Receiving business payments

When receiving money into a Monzo business account, select the business account before copying the details.

Giving a customer your personal account information by mistake could cause bookkeeping, reconciliation and record-keeping problems even when the payment arrives successfully.

Why Is a Website Rejecting Your Monzo Sort Code?

A rejected sort code does not necessarily mean your Monzo account information is incorrect.

The form may be using old or incomplete reference data. It may also have formatting rules that do not accept spaces or hyphens.

Pay.UK provides a sort-code checker based on information updated weekly. It can show whether a code supports services such as Faster Payments, Bacs Direct Credits, Direct Debits and CHAPS.

However, the information displayed in your authenticated banking app should remain your starting point.

Check for typing and formatting errors

Common mistakes include:

• entering 40-00-04 instead of 04-00-04;
• omitting a zero;
• entering the account number in the sort-code field;
• including hyphens when the form accepts digits only;
• adding unsupported spaces;
• copying details from the wrong account;
• using a code found online rather than your own code.

When a form requests six digits without punctuation, enter 04-00-04 as 040004.

Compare the code with the Monzo app

Return to the relevant account and check all six digits.

Do not substitute another Monzo code simply because the form accepts it. A code can belong to Monzo while still being wrong for your account.

Ask the organisation to check its system

Tell the organisation that the details are shown in your banking app and ask it to review the bank-reference data used by its payroll, billing or payment software.

Community reports have described businesses failing to recognise Monzo codes even when customers had copied the information from their accounts. These reports provide useful context but do not diagnose every rejection.

Contact Monzo securely

When you have confirmed the details but they continue to be rejected, contact Monzo through its official app.

Do not post complete account information, screenshots of transactions or other sensitive information in a public forum.

How Does Confirmation of Payee Affect Monzo Transfers?

Confirmation of Payee is a name-checking service designed to help determine whether the name entered by a sender matches the account connected to the sort code and account number.

UK Finance describes four possible outcomes:

• Match: The name matches.
• Close match: The name is similar but may require checking.
• No match: The entered name does not match the account.
• Unavailable: The name check could not be completed.

What can cause a name mismatch?

A mismatch can occur when:

• the name was misspelt;
• a nickname was entered;
• initials were used instead of the full name;
• the wrong personal or business account type was selected;
• a trading name differs from the registered account name;
• the sort code or account number was entered incorrectly;
• the recipient supplied the wrong information.

It can also be a warning sign that a fraudster has changed payment details.

Should you continue after a mismatch?

Do not ignore a mismatch merely because the sort code appears to belong to Monzo.

Stop and verify the details directly with the intended recipient through a trusted contact method. For example, when payment instructions arrive by email, confirm them using a telephone number you already know to be genuine.

UK Finance warns customers to be cautious when they are told to ignore a no-match result and advises against proceeding with payments they are unsure about.

Is It Safe to Share Your Sort Code and Account Number?

Your account name, sort code and account number are routinely shared when you need to receive money. They are not the same as your PIN, app password or one-time passcode.

However, they are still financial information and should be shared only when there is a legitimate reason.

Information a legitimate payer may need

A person or business sending you money may reasonably request:

• your account holder’s name;
• your sort code;
• your account number;
• a payment reference.

Information you must not provide

Someone does not need the following information simply to send money to you:

• your Monzo login details;
• your app password;
• your debit-card PIN;
• your full card security code;
• a one-time passcode;
• remote access to your phone or computer;
• approval for an unexpected payment;
• a transfer to a supposed “safe account”.

Monzo says it will not ask customers to move money out of Monzo into another account for safety. Its current fraud guidance says that a request to move money to a “safe account” is a scam.

UK fraud prevention guidance also states that banks and law-enforcement agencies will not ask you to transfer money to protect it from fraud.

What should you do after accidental exposure?

When you accidentally publish your account details:

1. Remove the information where possible.
2. Monitor your transactions and Direct Debits.
3. Contact Monzo if you notice anything unfamiliar.
4. Be alert to callers who use the exposed details to appear legitimate.
5. Never disclose authentication codes or approve an unexpected payment.

If an unauthorised or fraudulent Direct Debit is collected, contact Monzo promptly. The Direct Debit Guarantee provides protection where a Direct Debit has been taken incorrectly or fraudulently, although the bank may investigate whether the collection was genuinely unauthorised.

Confirmed Facts About Monzo Sort Codes

The following points can be stated with appropriate source distinctions:

1. Monzo is publicly listed with the sort-code range 04-00-03 to 04-00-08.
2. The range contains six individual sort codes.
3. Monzo’s official help page does not publish a complete breakdown of how each code is currently used.
4. Every Monzo customer should use the code displayed for their own account.
5. A sort code must be used with its corresponding account number.
6. One Monzo sort code must not be substituted for another simply because a website recognises it.
7. Monzo says customers can find their account details in the relevant account’s Home feed or under Manage and Account Details.

Do You Use a Monzo Sort Code for International Payments?

A UK sort code is mainly used for domestic payments.

For an international transfer, the sender may require your:

• International Bank Account Number, or IBAN;
• Bank Identifier Code, or BIC;
• registered account name;
• bank address or other payment information.

The exact requirements depend on the sending bank, currency and payment route.

How do you find your Monzo IBAN and BIC?

Monzo’s current help guidance says to:

1. Select the account for which you need the IBAN.
2. Tap the three dots in the bottom-right corner of the account card.
3. Select Add Money.
4. Scroll to Other ways to add money.
5. Select International bank transfer.
6. Find the IBAN beneath your name and BIC.

You can then copy the IBAN or share the account details.

App navigation can change, so follow the current labels displayed in your account.

Can you construct an IBAN from the sort code yourself?

Do not guess or manually construct your international bank details.

An IBAN contains country, bank, account and validation information. Use the exact IBAN shown by Monzo for the relevant account.

Common Monzo Sort Code Myths

Does every Monzo customer use the same sort code?

Explain that Monzo has six listed codes but individual customers must use their assigned code.

Can you use any code from 04-00-03 to 04-00-08?

Explain that the codes are not interchangeable.

Does an allocated Monzo sort code mean it is issued to customers?

Explain that allocation does not confirm current use for personal, joint or business accounts.

“A Monzo sort code is enough for every international transfer”

International transfers may require an IBAN, BIC and other information.

Retrieve these details directly from the relevant account in the Monzo app.

“A genuine Monzo code proves that the recipient is trustworthy”

A valid bank code identifies a banking destination. It does not prove that the person requesting money is honest.

Check the recipient, review the Confirmation of Payee response and be cautious when someone changes payment details or pressures you to act urgently.

Real-Life Example: Payroll Rejects Your Monzo Sort Code

Suppose your Monzo app displays 04-00-03, but your employer’s payroll form only recognises 04-00-04.

You should not change the code merely to make the form accept your submission.

First, reopen Monzo and verify that you selected the correct personal, joint or business account. Check all six digits of the sort code and the complete account number.

Next, tell payroll that the information has been copied directly from your banking app. Ask the team to check whether its payroll or bank-validation software uses current sort-code reference data.

When payroll still cannot accept the details, contact Monzo through the official app and explain the problem.

When providing evidence to your employer, avoid sending a screenshot that reveals:

• your balance;
• recent transactions;
• card information;
• savings balances;
• unrelated personal data.

Share only the information that payroll legitimately requires.

Monzo Sort Code Troubleshooting Checklist

Problem	Check first	Appropriate next step
You cannot see your account details	Confirm that the debit card is activated	Open Manage and check Account Details
A form rejects the code	Check all six digits and the required format	Ask the organisation to update or review its reference data
Confirmation of Payee shows a mismatch	Check the registered account name and account type	Verify the recipient independently
You have several Monzo accounts	Check which account is selected	Copy the details from the intended account
You are receiving money internationally	Check whether the sender requires an IBAN and BIC	Retrieve the international details from the app
You copied a code from a website	Compare it with your authenticated account	Use the code displayed by Monzo
Someone tells you to substitute another code	Do not change your details merely to pass validation	Contact Monzo or the payment provider
You notice an unfamiliar Direct Debit	Check whether the collecting name differs from the brand	Contact Monzo promptly if it remains unrecognised

Common Misunderstanding: Does Every Monzo Sort Code Work for Every Account?

No. The six codes form a listed Monzo range, but they are not interchangeable account details.

For example, if your app displays 04-00-06, you should not enter 04-00-04 because an employer’s form recognises the older code. The combination of your assigned sort code and account number is what identifies the correct receiving account.

Key Takeaways

• Monzo is listed with six sort codes from 04-00-03 to 04-00-08.
• An allocated range does not prove that every code is currently issued to every customer or product.
• Monzo does not publish a full customer-facing code allocation table on its help page.
• The correct code is the one displayed for your account in the Monzo app.
• Never replace your assigned sort code with another code from the Monzo range.
• Ask an employer or payment provider to update its validation data if it rejects confirmed account details.

Conclusion

The answer to “What is the Monzo sort code?” is not one universal six-digit number. Monzo is publicly listed with six codes from 04-00-03 through 04-00-08, but your correct Monzo sort code is the one assigned to your individual account.

Open the relevant account in the Monzo app and copy the sort code and account number shown there. If a form rejects the details, ask the organisation to check its banking directory rather than substituting another Monzo code.

Frequently Asked Questions

Where can you find your Monzo account number?

Open the relevant account in the Monzo app, tap Manage, and look under Account Details, or check the top of the account’s home feed. Monzo only displays your account number and sort code after you have activated your debit card.

What sort code is 04-00-03?

The sort code 04-00-03 has been reported for some Monzo accounts, including newer accounts discussed in the Monzo community. You should use it only when 04-00-03 appears in your own Monzo app.

How do you find your Monzo sort code?

Open the Monzo app, select the relevant personal, joint or business account, tap Manage, and scroll to Account Details. You may also see the sort code at the top of the account’s home feed above your balance.

Which bank has the sort code 04-00-04?

The sort code 04-00-04 is assigned to Monzo Bank in London according to Wise’s UK sort-code directory. Always compare it with the sort code displayed in the recipient’s Monzo app before making a payment.

Is 04-00-05 a Monzo sort code?

The sort code 04-00-05 has appeared publicly on accounts identified as Monzo accounts, although Monzo’s help page does not publish a complete list of customer sort codes. Use 04-00-05 only when it is shown under the account details in your Monzo app.

Is 04-00-06 a Monzo sort code?

The sort code 04-00-06 has also appeared publicly in connection with Monzo accounts, but it should not be treated as a universal Monzo sort code. Check your own account or confirm the recipient’s details before using it for a transfer.

How do you find the sort code on a Monzo Under 16s account?

Monzo Under 16s accounts do not have their own account number or sort code because they are linked to the parent or guardian’s Monzo current account. To let someone send money to the child, the parent or guardian can share the child’s payment link from the Under 16s account.

Sources

1. Monzo Help — Your account number and sort code — official instructions for finding account details and the debit-card activation condition.
2. Monzo Help — Finding your Monzo IBAN to receive international payments — official instructions for locating an IBAN and BIC.
3. Monzo Help — Setting up a Direct Debit — official guidance on using an account number and sort code for Direct Debits.
4. Monzo Help — Paying someone whose account number does not match — official explanation of Confirmation of Payee