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Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland.

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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.

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This is an approximate figure to help you plan. Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive. We use standard assumptions to estimate IRPF and don’t account for regional rules, personal circumstances, or other deductible expenses.

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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Some autónomos have IRPF withheld from their invoices, and others make tax payments during the year. We don't model these payments separately because they're advance payments towards your eventual IRPF bill, rather than additional tax.

This estimate isn’t designed for residents of the Basque Country or Navarra, where different personal income tax rules apply.

This means the amount that actually reaches your account from an invoice will likely differ from the figures shown here. This is general guidance. For the exact figure, check with your gestor when you file.

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.

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Activating Bizum in Monzo

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