Monzo llega a España: un banco nuevo con un 4% de ahorro
Oct 28, 2026·1 min read·Graded Spanish · word-by-word audio
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Monzo es un banco digital de Reino Unido. Hoy empieza a trabajar en España. Quiere competir con la banca tradicional. Para eso, ofrece una cuenta de ahorro con un 4% de interés. Los primeros 5.000 euros tienen este 4% durante un año. El resto del dinero tiene un 2,5%. La cuenta tiene IBAN español y Bizum desde el primer día.
Monzo se enfoca en particulares, familias y empresas. Son los tres segmentos importantes para el banco. La entidad quiere que la gente use la cuenta para el día a día: pagar recibos, hacer transferencias o usar Bizum. Por ahora, Monzo no ofrece crédito. Pero no cierra la puerta a este negocio en el futuro.
El banco también estudia entrar en el negocio de la inversión. Es un mercado que ha crecido mucho en los últimos años. Sierra dice que quieren lanzar productos de inversión después de los primeros meses. Monzo compite con todos los bancos, digitales y tradicionales. Su objetivo es captar clientes de la banca clásica.
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Watch out, English speaker
English speakers often use querer + infinitive correctly for 'want to do something' (same subject), but forget that when the subject changes, Spanish requires querer que + subjunctive. In English, 'I want you to do it' uses an infinitive, but in Spanish you must say Quiero que lo hagas — using the indicative haces is a common mistake.
Another trap: English 'want that' is never used, so learners may try quiero que with the same subject (e.g., Quiero que yo haga), which is ungrammatical. Remember: same subject → infinitive; different subject → que + subjunctive.
Key vocabulary
bancom.
bank
“Monzo es un banco digital de Reino Unido.”— Monzo is a digital bank from the UK.
Pattern banco digital digital bank
Compare entidad financiera financial institution
Plural: bancos
💡 Note that it is homonymous with "banco" (bench); distinguish by context.
ahorrom.
savings
“Ofrece una cuenta de ahorro con un 4% de interés.”— It offers a savings account with 4% interest.
Pattern cuenta de ahorro savings account
Compare depósito deposit
Plural: ahorros
💡 The noun form of the verb ahorrar (to save); the double r is pronounced as a trill.
interésm.
interest (financial); interest
“Los primeros 5.000 euros tienen este 4% de interés.”— The first 5,000 euros have this 4% interest.
Pattern tipo de interés interest rate
Compare rentabilidad profitability
Plural: intereses
💡 Note the accent mark on é; the plural is irregular.
clientem./f.
customer, client
“Monzo quiere ser el banco líder en número de clientes.”— Monzo wants to be the leading bank in number of customers.
Pattern captar clientes attract customers
Compare usuario user
Plural: clientes
💡 The masculine and feminine forms are identical; distinguish by the article: el cliente / la cliente.
competirv.
to compete
“Quiere competir con la banca tradicional.”— It wants to compete with traditional banking.
Pattern competir con compete with
Compare rivalizar compete
Present: compito, compites, compite…
💡 A verb with an e→i vowel change, similar to pedir.
ofrecerv.
to offer
“Ofrece una cuenta de ahorro con un 4% de interés.”— It offers a savings account with 4% interest.
“El banco también estudia entrar en el negocio de la inversión.”— The bank is also studying entering the investment business.
Pattern productos de inversión investment products
Compare colocación investment
Plural: inversiones
💡 From the verb invertir (to invest); words ending in -sión are mostly feminine.
captarv.
to attract, capture
“Su objetivo es captar clientes de la banca clásica.”— Its goal is to attract customers from classic banking.
Pattern captar clientes attract customers
Compare atraer attract
Present: capto, captas, capta…
💡 Commonly used in business contexts; captar la atención means to attract attention.
Grammar spotlight
querer + infinitive / querer que + subjunctive
A2
When querer is followed directly by an infinitive, it means 'to want to do something' (same subject). When querer is followed by que + subjunctive, it means 'to want someone else to do something' (different subjects).
“Monzo quiere ser el banco líder. / La entidad quiere que la gente use la cuenta.”— Monzo wants to be the leading bank. / The entity wants people to use the account.
⚠️ Don't write 'quiere que la gente usa'; after que, the subjunctive 'use' is required.
Sentence patterns to steal
Monzo quiere ser el banco líder en número de clientes.
Monzo wants to be the leading bank in number of customers.
querer ser el/la + noun + líder en + fieldReplace 'banco líder' and 'número de clientes', e.g. 'la empresa líder en ventas'
Por ahora, Monzo no ofrece crédito.
For now, Monzo does not offer credit.
Por ahora, + subject + no + verb + objectReplace the subject and verb, e.g. 'Por ahora, no tenemos más información'
Su objetivo es captar clientes de la banca clásica.
Its goal is to attract customers from traditional banking.
Su objetivo es + infinitiveReplace the infinitive phrase, e.g. 'aprender español'
Bizum: Spain's mobile payment phenomenon
Bizum is an instant mobile payment service launched jointly by Spanish banks. It works by linking your phone number, so there's no need to enter an IBAN. In Spain, people almost always use Bizum to split the bill with friends or pay small amounts, and it has become part of everyday life. Monzo supported Bizum from day one when it entered the Spanish market, showing that it values local payment habits.