You cannot link Chase directly to Monzo, but you can move money between them
Monzo does not offer a direct connection to Chase Bank accounts through its app or settings. You cannot authorize Monzo to pull from or push to Chase the way you might with some other banks. However, you can transfer money between Chase and Monzo using standard bank transfer methods — the same ones you would use to move money between any two banks.
The transfer takes one to three business days depending on which direction you are sending money and whether it is a weekend or holiday. Chase processes outgoing transfers on business days, and Monzo receives incoming transfers through the standard Automated Clearing House (ACH) network that all U.S. banks use.
If you are trying to move money regularly between the two accounts, you have two main routes: set up a standing transfer from Chase to Monzo, or add Monzo as an external account in your Chase app and transfer on demand.
Key Takeaways
- Monzo and Chase do not integrate directly, so you cannot authorize one app to access the other.
- You can transfer money from Chase to Monzo or Monzo to Chase using ACH transfers, which take one to three business days.
- Chase's app lets you add Monzo as an external account and send money without leaving Chase.
- Monzo can receive incoming transfers from any bank account, including Chase, if you provide Monzo's routing and account numbers.
- Setting up a recurring transfer from Chase is the fastest way to move money regularly without logging into both apps each time.
How to transfer from Chase to Monzo
Open your Chase mobile app or log into Chase.com. Select the account you want to transfer from, then look for "Send Money" or "Transfers" — the exact label depends on whether you are using the app or website. Choose "Transfer to another bank" or "External transfer."
Chase will ask you to add Monzo as an external account if you have not done so before. You will need Monzo's routing number (021000021) and your Monzo account number, which you can find in the Monzo app under Account Settings or by tapping the card image. Enter the amount and confirm. Chase processes the transfer on the next business day, and Monzo receives it within one to three business days total.
If you plan to transfer regularly, you can set up a standing order in Chase instead. Go to "Transfers," select "Set up recurring transfer," and choose the frequency (weekly, biweekly, monthly, or custom). Chase will repeat the transfer on the schedule you set without you having to initiate it each time.
How to transfer from Monzo to Chase
Open the Monzo app and tap the card or account name at the top. Scroll down and select "Send Money" or "Payments." Choose "Send to bank account" and select "Add new account" if Chase is not already listed.
Enter your Chase routing number and account number. You can find your Chase account number on a check, in the Chase app under Account Details, or by calling Chase customer service. Monzo will verify the account by sending two small deposits to Chase (usually $0.01 each) within one to two business days. Once you see those deposits in Chase, return to Monzo and confirm the amounts to complete verification.
After verification, you can send money from Monzo to Chase whenever you want. The transfer takes one to three business days. Monzo does not currently offer recurring transfers to external accounts, so you will need to initiate each transfer manually.
Why Monzo and Chase do not integrate directly
Integration between apps requires both banks to build and maintain a connection through an API (process programming interface). Chase has chosen to integrate with some financial apps but not others, based on its own security and business priorities. Monzo, as a newer bank, has fewer integrations than older banks like Chase, though it continues to add them.
The lack of direct integration does not affect your ability to move money — ACH transfers are the standard method that all U.S. banks support. The trade-off is that transfers take a few business days instead of being when ready, but the process is straightforward and costs nothing.
Timing and fees for transfers between Chase and Monzo
Chase charges no fee for outgoing transfers to external accounts. Monzo also charges no fee for incoming or outgoing transfers to other U.S. banks. The only cost is the time it takes: one to three business days depending on when you initiate the transfer and whether weekends or holidays fall in between.
If you transfer on a Friday afternoon, the transfer may not begin processing until Monday, and you may not see the money in Monzo until Wednesday or Thursday. If you transfer on a business day before 5 p.m. Eastern Time, Chase typically processes it that day, and Monzo receives it the next business day or the one after.
Neither bank offers when ready transfers to external accounts. If you need money in Monzo when ready, you would need to use a debit card, ATM withdrawal, or another method that does not rely on bank-to-bank transfer.
What information you need to set up transfers
| To transfer from Chase to Monzo, you need: | To transfer from Monzo to Chase, you need: |
|---|---|
| Monzo's routing number: 021000021 | Your Chase routing number (varies by branch; check your checks or Chase app) |
| Your Monzo account number (in Monzo app under Account Settings) | Your Chase account number (on checks or in Chase app) |
| The amount you want to transfer | The amount you want to transfer |
| Your Chase login credentials | Your Monzo login credentials |
Frequently Asked Questions
Can I use Monzo's debit card to withdraw cash from a Chase ATM?
Yes. Monzo's debit card works at most ATMs in the U.S., including Chase ATMs. Monzo does not charge a fee for domestic ATM withdrawals, though some ATM operators may charge their own fee. This is faster than a bank transfer if you need cash when ready.
Will Chase hold my transfer to Monzo while it verifies the account?
No. Chase does not hold transfers to external accounts. Once you authorize the transfer, Chase sends it to the ACH network, and Monzo receives it on its end. The delay is just the standard processing time, not a hold.
What if I enter the wrong account number when setting up the transfer?
The transfer will go to the wrong account. Chase does not verify that the account number belongs to Monzo before sending. If you notice the error before the transfer completes, contact Chase when ready to try to stop it. If the money has already left Chase, you will need to contact the receiving bank to recover it.
Can I set up automatic transfers from Monzo to Chase like I can from Chase to Monzo?
No. Monzo does not offer recurring transfers to external bank accounts. You can set up recurring transfers from Chase to Monzo, but transfers from Monzo to Chase must be initiated manually each time.
Does Monzo report transfers from Chase to my Monzo account as income?
No. Transfers between your own accounts are not reported as income by either bank. Only deposits from other people or businesses are reported on tax forms like 1099s.