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Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, Member FDIC. The Monzo Personal and Joint Debit Card is issued by Lead Bank, Member FDIC, pursuant to licensing by Mastercard International Inc. See Lead Bank Terms and Lead Bank Cardholder Agreement for more details. Funds held in the Monzo deposit accounts are held with Lead Bank, Member FDIC, and are eligible for up to $250,000 in pass-through insurance in the event Lead Bank fails and if specific deposit insurance requirements are met and your card is registered. FDIC insurance does not protect funds in the event of Monzo's failure or from the risk of theft or fraud. See FDIC Prepaid Cards and Deposit Insurance Coverage. © 2025 Monzo, Inc. All rights reserved.

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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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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.

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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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