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Make Monzo a bit more you

Upgrade your account based on what’s important to you — from £3 a month.

Aged 18+ (18-69 for Max) • UK residents • Ts&Cs apply

  • Best Banking App Award 2023

Looking for a packaged bank account?

Choose from our 3 plans. They’re our take on packaged bank accounts, except they’re a bit more you.

Extra

Unlock advanced tools that let you see your other bank accounts in one place, dig into your credit health, multiply spare change, and more.

£3 a month • Aged 18+

Perks

Get more every day: our advanced tools, plus a weekly Greggs treat, an annual Railcard every year, and 4.60% AER (variable) on Instant Access Savings Pots, paid monthly.

£7 a month • Aged 18+

Max

Get everything in Extra and Perks, plus worldwide travel and phone insurance, UK & Europe breakdown cover and 4.60% AER (variable). Add the family for an extra £5 a month.

From £17 a month • 3 months minimum • Aged 18-69

Spend a little, get a whole lot back

Our plans include a range of benefits. Get Max and you’ll get them all.

Compare our plans

(This bit's for table fans)

Monzo Card Free

Monzo

Monzo Card Extra

Extra

Monzo Card Perks

Perks

Monzo Card Max

Max

Free

months minimum

The best of Monzo

  • A UK current account

  • Your eligible deposits are protected by the FSCS up to £85,000 per person

  • All the Monzo features you know and love

Advanced tools

  • Connected banks and credit cards

  • Virtual cards

  • Advanced roundups

  • Custom categories

  • Auto-spreadsheet

  • Credit insights

Our best rates

  • Instant Access savings rate

    4.10% AER (variable)

  • Fee-free cash withdrawals abroad

    Up to £200

  • 3 fee-free cash deposits

  • Discounted investment fees

Our Partner perks

  • Annual Railcard

  • Weekly Greggs treat

Insurance and cover

  • Worldwide travel insurance

  • Worldwide phone insurance

  • UK & Europe breakdown cover

Our cards

  • Card colour

    Hot coral

The best of Monzo

A UK current account

Your eligible deposits are protected by the FSCS up to £85,000 per person

All the Monzo features you know and love

Advanced tools

Connected banks and credit cards

Virtual cards

Advanced roundups

Custom categories

Auto-spreadsheet

Credit insights

Our best rates

Instant Access savings rate

4.10% AER (variable)

4.10% AER (variable)

4.60% AER (variable)

4.60% AER (variable)

Fee-free cash withdrawals abroad

Up to £200

Up to £200

Up to £600

Up to £600

3 fee-free cash deposits

Discounted investment fees

Our Partner perks

Annual Railcard

Weekly Greggs treat

Insurance and cover

Worldwide travel insurance

Worldwide phone insurance

UK & Europe breakdown cover

Our cards

Card colour

Hot coral

Hot coral

Bold coral

Burnt coral

Common Questions

What are virtual cards?

Extra cards that you can create and delete as you like for budgeting and security.

Only want to spend a certain amount on croissants this month? Create a ‘Pastries’ Pot, link a virtual card to it and once the Pot’s run dry, you’ve hit your limit.

Buying something online but worried about entering your physical card’s details? Create a virtual card specifically for online shopping and if you think someone’s got hold of the details, delete the virtual card.

You can have up to 5 live virtual cards at any time and can create up to 9 every 30 days, with a maximum of 100 per year.

What are connected banks and credit cards?

Get a clear view of your finances by adding other bank accounts and credit cards to Monzo.

See your balances and transactions, and move money around with easy bank transfers.

We encrypt the information we get from your other bank and if you change your mind, you can remove an account at any time.

We use Open Banking to connect accounts, which is a service that the Financial Conduct Authority (FCA) regulates. For security reasons we ask you to renew the connection every 90 days.

Which banks and credit cards do you connect with?

This means you can see your other account balances, transactions, and trends all in the Monzo app. We let you add most major UK banks to Monzo. The ones below are the ones that are available now on personal/business accounts. Supported banks: American Express, Bank of Scotland, Barclaycard, Barclays, Capital One, Chase, First Direct, HSBC, Halifax, Lloyds Bank, M&S Bank, MBNA, NatWest, Nationwide, RBS, Revolut, Sainsbury's Bank, Santander, Starling Bank and TSB.

We're hoping to add more soon and we're already working on the next group of accounts to be added!

Go to Monzo Labs in your Account Settings and switch on 'Test Other accounts in Monzo' to connect to one of the following accounts which are still in testing:

Amazon, Aqua, Argos Classic, Bip, Fluid, John Lewis, Marbles, NewPay, Opus, Pulse, Tesco Bank, Tide Business Banking, Virgin Money and Wise

How does the custom categories feature work?

You can create and edit a custom category by opening a recent payment and tapping the category for that payment.

If you edit a payment's categories, we'll categorise all future payments for the same merchant in the same way.

How does the credit insights work?

Credit insights gives you a clear picture of your credit health and ways to improve it.

You’ll see your Equifax and TransUnion credit scores as well as your credit report, updated weekly. So you can keep an eye on things and take action if something doesn’t look right.

We’ll also show you the factors that are impacting your scores and what you can do to improve how lenders see you.

You’ll be able to understand how to improve your credit health with credit-boosting actions. You can track the progress of your actions and see the estimated impact that ticking them off will have on your scores.

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