ℹ️ The limits that apply to you are shared across your personal accounts. This means you can withdraw £400 via an ATM from either your personal account, your joint account or a mix of the two but you cannot withdraw £400 from both.

You can spend up to £10,000 per day on your card.

If you use Contactless, you can tap your card to spend up to £100 with each transaction. Sometimes we may ask you to use Chip & PIN instead before you can pay with Contactless again.

You can withdraw up to £400 per day from an ATM using your card.

You might need to pay a 3% fee if you withdraw more than £400 in a single 30-day period, depending on your allowances. You can check those in the app by tapping the three dots under your account balance and then Fees and allowances.

You can send up to £10,000 per day from your Monzo account to other banks. This includes international payments sent through Wise.

There's a separate limit of £10,000 per day to send payments from your Monzo account to other Monzo users.

CHAPS payments and Direct Debits do not have a limit.

You can receive any amount sent from other banks, depending on their limits. This includes Faster Payments (bank transfers), payments from Monzo contacts, CHAPS payments and international payments.

You can receive up to £1,000 every 30 days using your Monzo.me link or QR code.

You can deposit cash of up to £1,000 every 180 days at any PayPoint location or Post Office.

Using your card you can spend up to £10,000 per day and withdraw up to £1,000 per day at an ATM, but other limits vary depending on what type of account you have.

If you're a sole trader

If your business is a limited company

The separate limit of £10,000 per day to send payments from your Monzo account to other Monzo users still applies.

You can let us know if you'd like to increase any of your limits in the app and we'll let you know if we can do it for you.

We aren't able to increase the following limits: