Monzo Billsback Terms and Conditions

Before we start, as we’re the promoter of Billsback, legally we have to give you our address. So it’s Monzo Bank, Broadwalk House, 5 Appold Street, London, EC2A 2AG.

Billsback is open to all UK residents aged 18 or over, except Monzo employees. To be eligible for Billsback, you must:

Billsback is one of the default benefits of your subscription. You’ll be opted in automatically if you’re eligible. You don’t need to do anything more to enter your eligible bills in the draw. You can opt out of Billsback at any time in the app.

Billsback starts on October 1st 2025. It doesn’t have an end date, but we can change this at any time.

Unless you opt out of Billsback, each eligible bill paid from your Monzo account will be entered into our draw and have the chance to be paid back to you.

We’ll pay back at least 1,000 eligible bills each month. Winning bills will be selected at random from all the eligible bills. Each eligible bill will have an equal chance of being selected. The odds of winning depend on the total number of eligible bills per month:

We’ll enter your eligible bills into the draw when they get paid from your Monzo account. If your bill is chosen, we’ll notify you in the app and pay the money back into your account.

The payment should happen straight away, but please allow up to 24 hours to receive your payment. There’s no limit to how many bills you can have paid back in a single month, and having a bill paid back won’t affect your eligibility for future draws.

To be considered eligible for Billsback, a bill must meet all of the following criteria:

We will also treat your monthly subscription payments for your Monzo Extra, Perks, Max or Max + family plan as eligible bills.

Each bill is only eligible to be entered into our draw once. Bill payments made via Monzo Flex are not eligible.

Bills paid from a joint account will be eligible for Billsback, as long as at least one of the account holders has an active Monzo Extra, Perks, Max or Max + family plan, and neither has opted out of Billsback.

If you’re a Monzo employee, unfortunately any bills you pay from your Monzo personal or joint account won’t be eligible for Billsback. If you do have a joint account, any eligible bills paid from the other person's personal account will be entered into the draw, as long as they’re opted in.

By paying an eligible bill from your Monzo account, we’ll assume that you’ve read and agreed to these terms. Just so you know, we have the right to refuse to pay back a bill if these rules have been breached.

You can’t exchange your Billsback money or ask for an alternative. All our decisions on any aspect of Billsback are final, binding and we won’t respond to queries about it.

We’ll end or temporarily withdraw Billsback if we suspect any fraudulent, abusive or suspicious behaviour. We may also temporarily pause Billsback if we identify an issue which impacts our ability to provide the draw as expected. If this happens, we’ll let you know. If any of these circumstances happen, we reserve the right to end or pause Billsback without notice. Otherwise, we’ll give 30 days’ notice before closing Billsback.

We can amend or add to these rules if necessary.

We'll collect, store, and process your data in line with our privacy notice. We may need to share the surname and postcode area of all winners with the regulator, Advertising Standards Authority, on request. If this happens, we’ll let the winners know.

And the last thing from us: English law applies to Billsback and these rules. English courts will settle any disputes. All our decisions on any aspect of Billsback are final and binding, and we won't respond to any queries about them.

We’ll use the Merchant Group Names listed in these tables to check whether your bill is eligible for Billsback. This information is provided by Mastercard, so the name shown below is how it’ll appear to us on the transaction, rather than the name of the provider that you might see.

Any payments to Merchant Group Names which are not exact matches for those listed below won’t be eligible for Billsback. We’ll let you know if we make any changes to the eligible providers.

Direct debit-only Eligible Providers

Bills paid to the following Merchant Group Names will be eligible only if paid by direct debit. All other eligibility criteria apply in the same way.