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Fee information

Monzo Plus v1.0 - 10th July 2020

This document informs you about the fees for using the main services linked to the payment account. It will help you to compare these fees with those of other accounts.

Fees may also apply for using services linked to the account that are not listed here. Full information is available in the Terms and Conditions.

A glossary of the terms used in this document is available free of charge.

Monzo Plus account services
Maintaining the account: £5 per month
Total annual fee £60
Refusing a payment when you don't have enough money: £0
Allowing a payment when you don’t have enough money: £0
Payments (excluding cards)
Direct Debit: £0
Standing Order: £0
Sending money within the UK: £0
Sending money outside the UK: Provided via TransferWise (see additional services below)
Receiving money from outside the UK: Not applicable
Cards and cash
Issuing a debit card: Free
Cash withdrawal in pounds in the UK: £0
Cash withdrawal in foreign currency in the European Economic Area (EEA): £0
Cash withdrawal in foreign currency outside of the European Economic Area (EEA): First £400 in a 30 day period free, 3% after that
Debit card payment in pounds: £0
Debit card payment in foreign currency: £0
Overdrafts and related services
Arranged overdraft: Your interest rate is set out in the Overdraft Agreement
Unarranged overdraft: 33.4% per annum (variable) which is equivalent to a rate of 39% EAR (variable)
Other services
Cancelling a cheque: Not applicable
Package of services
Travel money outside of the European Economic Area (EEA) 3% charge after £400 fee-free withdrawal limit in a rolling 30-day period
Services beyond these quantities will be charged separately
Information on additional services
Information on fees for services exceeding the quantity of services covered by the package of services (excluding fees listed above)
International money transfer - Transferwise: See for details
Ordering a replacement card: We won’t charge you for delivery of your first replacement card in the UK.

We may also charge you the £5 delivery fee each time you replace your card after that.
We won’t charge you the delivery fee for replacements where we’re responsible for you needing a new card.
Ordering a replacement card abroad: We’ll charge you the £30 international card delivery fee, and may charge £5 for the replacement card if you’ve used up your free allowance.

We’ll charge a fee for replacing cards which have been lost, stolen or misused. These fees cover both the cost of replacing and delivering the card. This doesn’t apply to circumstances where we’re responsible. We’ll take the fee from your Monzo account as soon as you order the card.
Cash deposit: 1 free cash deposit each calendar month, then £1 per deposit after that in the same month.
To view this in the regulator's standardised format please go here