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Do Monzo hold the money in Savings Pots?

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

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

For Easy Access Savings, Flexible 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 Flexible ISAs will be available the next working day.

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

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Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.