Hear directly from our engineering and data interns on why they applied to Monzo, how reality compared to their expectations, and what it’s actually like to do high-impact work here.

Engineering and Data Internships at Monzo 

Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 730427.

Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details. Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo's failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage. © 2025 Monzo, Inc. All rights reserved.

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After tarifa plana, you'd need to invoice

Save {{ amount }} a month in cuota for your first year

Reasonable cover without stretching your budget now.

Higher cuota. More cover for sick pay, pension and other benefits.

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Your cuota goes into Social Security. It covers your pension, sick pay, and parental leave — amongst other things.

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Based on your answers, you may qualify for tarifa plana, reducing your cuota to around 88,64 € a month in your first year. That’s an €80 baseline plus 0,9% MEI on the minimum contribution base.

To keep it, you'll need to stay registered and keep your Social Security payments up to date.

This is an approximate figure to help you plan. Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive, and we apply the national rates based on your estimated yearly profit. Everyone gets a tax-free personal allowance around {{ allowance }} a year for a single person with no dependents. We take that off before working out what you owe, which is why an estimate below it can show {{ zero }}.

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We estimated this from your projected income and the contribution level you chose.

Includes: Pension, disability pension, temporary disability/sick pay, caregiver leave.

Mecanismo de Equidad Intergeneracional — MEI (approx. 0,9%)

Contingencias profesionales (approx. 1,3%)

New autónomos may qualify for the tarifa plana, which reduces the cuota payment for the first year.

Cuota is your monthly autónomo contribution to Social Security. See more information about your cuota in the 'Select your contribution' section below.

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Monzo mark-up over Mastercard rate

Total mark-up over European Central Bank rate

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The latest updates, stories, ideas and guides from the Monzo team.

Warren Yu

Engineering and Data Internships at Monzo