Do Monzo hold the money in Savings Pots?

Alongside offering Monzo’s own Instant Access Savings Pots and Instant Access Cash ISAs, we've partnered with trusted providers to offer Easy Access Savings, Easy Access ISA’s and Fixed Term Savings Pots.

We choose partners that are flexible, reliable, and can offer competitive interest rates.

For Easy Access Savings, Easy Access Cash ISAs, and Fixed Term Savings your money is held with the provider you signed up with but you'll be able to see your balance and any interest you’ve earned in the app. Withdrawals from Easy Access Savings and Easy Access Cash ISAs will be available the next working day.

For Instant Access Savings and Instant Access Cash ISAs, we hold your money so you can take it out at any time ⚡