What benefits are included with Perks?

Monzo Perks is £9 a month • 18+ • UK resident • Ts&Cs apply

Perks includes:

Weekly Greggs treat

Claim a sausage roll, regular sized hot drink, doughnut or muffin every week at Greggs.

All you have to do is select what you want in the Monzo app and show the QR code we give you at the till.

Annual Railcard

Claim an annual Railcard every year to save 1/3 or more on eligible train journeys.

Choosing the right Railcard for you depends on things like your age, where you live, and how you like to travel.

Annual Uber One Membership

Enjoy £0 Delivery Fee and 5-10% credit back on eligible orders and rides.

A monthly cinema ticket at Vue

Get one cinema ticket at Vue ticket every month, plus 10% off food and non-alcoholic drinks (exclusions apply).

YouTube Premium Lite

Watch most videos ad-free, offline and in the background. Music and Shorts are excluded.

Boosting savings rates

With Perks, you can earn:

3.25% AER (variable) on balances up to £1,000,000 in Instant Access Savings (including Personal, Joint and Cash ISA).

For Joint Instant Access Savings Pots, the interest rate earned depends on the lower of the two account holders' plan rates. Up to 3.65% AER (variable) on balances up to £1,000,000 in Select Access Savings and Select Access Cash ISA.

The Select Access Savings Pot rate applies as long as you make 2 or fewer withdrawals per year, per Pot. If you make a 3rd withdrawal from that Pot, its rate will temporarily drop to 2.60% AER (variable) for free accounts, or 3.10% AER (variable) for Plus, Premium, Perks & Max. The lower rate applies until your Pot anniversary, when your withdrawal allowance resets.

Instant Access Savings rates depend on your Monzo plan:

Discounted investment fee

You also get everything that's included in our Extra plan Including connected banks, credit insights, custom spending categories and more.

With Perks, you can also use custom categories, virtual cards, advanced roundups and auto-spreadsheet on your joint account.

To explore Monzo Perks further click here.

You may see a different interest rate (that includes a bonus rate) in the app if you have switched an Easy Access Savings Pot or Cash ISA to an Instant Access pot or Instant Access Cash ISA recently. You can check the interest rate of your Savings Pots here in the app.