Apple TV
Stream hundreds of exclusive Apple Originals – thrilling dramas, epic sci-fi, and feel-good comedies — with new releases weekly and no ads.
Coming soon. £15 a month.
Aura. The UK’s first auto-investing credit card.
Auto-invest up to 1% cashback with every purchase, and get Apple TV, Google AI Plus (Gemini Pro, 2TB storage) and travel perks worth double the yearly Aura fee.
Representative example
Representative APR
64.2% (variable)Credit limit
£1,200Yearly interest
29% (variable)
The value of your investments could go up or down and you could get back less than you put in.
You'll need a Monzo current account to apply for Aura. Eligibility criteria and Ts&Cs apply. UK residents & 18+ only. Missed payments may negatively impact credit scores. 3-month minimum.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 Apr, 2026.
Live for today, build for tomorrow
Enjoy a range of top perks while your auto-invested cashback works in the background. Aura’s got you covered now and in the future.
Partner perks worth £360 a year
More good things, worth double the yearly fee. It pays for itself (and then some).
Google AI Plus
More access to advanced features and models in Google Gemini, plus 2TB of storage to share with up to five other people.
Airport lounge access & fast track
Two lounge passes to use at 1,900+ airports and two fast tracks to breeze through security. Refreshes every year, with unlimited discounted passes also available.
Plus everything you love from Monzo Credit Cards
Credit that’s got you covered, whatever your goals.
0% time and time again
0% interest over 3 months on purchases of £100 or more, as often as you need.
No fees overseas
We’ll charge you the Mastercard exchange rate and nothing extra, wherever you are.
And the usual Monzo magic
Get instant notifications, real-time balance updates and added security, all in the app.
A metal card with aura
Iridescent steel that goes clink when you put it down. It’s heavy metal that’s easy on the ears.
Like what you see?
Join Monzo to find out when you can apply.
Step 1
Open a free Monzo account
It only takes a few minutes to join, and comes with nifty features to help you spend and save.
Step 2
We’ll let you know when you can apply
We’re rolling out Aura gradually.
Step 3
See if you’re eligible and start spending
Check if you’re eligible with no impact to your credit score. If you’re approved, add Aura to your digital wallet so you can use it right away.
Meet our credit cards
Simple, transparent credit that grows with you.
The credit-builder card that keeps getting better
Yearly interest rate
39% (variable)
Credit limit
Up to £750
Purchase protection (Section 75)
No overseas fees
0% interest if you pay in full
Unlock 0% interest over 3 months (on purchases over £100)
Pay on time to double your limit in as little as 3 months
Can help improve your credit score
0% interest over 3 months on bigger purchases, as often as you need
Yearly interest rate
29% (variable)
Credit limit
Up to £10,000
Purchase protection (Section 75)
No overseas fees
0% interest if you pay in full
0% interest if you pay in 3 months (purchases over £100)
Flex purchases from up to 2 weeks ago
Auto-invested cashback and partner perks worth £360+ a year
Yearly interest rate
29% (variable)
Credit limit
Up to £15,000
Everything you get with Flex Purchase, plus:
1% cashback on groceries, 0.5% on everything else - uncapped
Auto-invested cashback (and round-ups)
Fee-free Monzo Investments (you’ll only pay a fund management cost)
Apple TV
Google AI Plus: Gemini Pro, 2TB storage
2 airport lounge passes and 2 fast track passes a year
If you miss a payment you may lose the 0% interest rate on existing purchases and it may negatively impact your credit score. Ts&Cs apply. To open Flex Build, you may need to put down a one-time security deposit, depending on your credit history.
Questions? Answers.
When will Aura be available to me?
We’re rolling out Aura gradually so don’t worry if you can’t apply just yet. We’ll let you know as soon we’re ready for you to apply.
Can I get Aura as an existing Flex customer?
If you’re eligible, you can switch from Flex to Aura. You can’t have Flex and Aura at the same time though so you’ll be moving from one to the other.
If you have Flex already there are no hard searches for checking if you’re eligible for Aura or for switching from Flex. If you do switch, we move your upcoming Flex payments over to Aura for you.
Will applying for Aura affect my credit score?
There’s no impact on your credit score for checking if you’re eligible for Aura.
If you apply and you don’t already have Monzo Flex, there will be a hard search on your credit file. If you have Flex there’s no hard search for applying for or switching to Aura.
How does auto-investing cashback and roundups work?
With auto-investing turned on, we can invest the cashback you earn and the spare change you round up every time you spend with Aura. Aura makes all your Monzo Investments fee-free, not just the investing you do from your Aura spending. You’ll just pay a fund management cost. You can choose from a ready-made fund or build your own portfolio. And you can top up, withdraw or opt out any time.
What if I already have one of the partner perks?
That’s okay, if you have Apple TV or Google AI Plus your new plan will replace your existing one and if you have either of the airport benefits, you’ll simply get additional lounge passes or fast tracks.
You can find more information about what happens to your existing Apple TV and Google AI Plus plans in the Monzo app.
Time to go full Monzo
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
