
## Personal Banking

### United Kingdom

- [Terms & conditions if you are a UK-based referrer or referee](https://monzo.com/legal/referral-scheme/terms-and-conditions)

### Ireland

- [Terms & conditions if you are an Ireland-based referrer or referee](https://monzo.com/ie/legal/referral-scheme/terms-and-conditions)

## Business Banking

### United Kingdom

- [Terms & conditions if you are a UK-based referrer or referee](https://monzo.com/legal/business-referral-scheme/terms-and-conditions)

### Ireland

- [Terms & conditions if you are an Ireland-based referrer or referee](https://monzo.com/ie/legal/business-referral-scheme/terms-and-conditions)


Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 730427.

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.

https://webviews.monzo.com/usa/privacy-notice

https://monzo.com/legal/terms-and-conditions/

https://webviews.monzo.com/usa/lead-bank-terms-of-service

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Monzo Bank Europe Designated Activity Company, trading as Monzo, is regulated by the Central Bank of Ireland. Monzo Bank Europe Designated Activity Company is a private company limited by shares registered in Ireland (registration no. 770591). Registered office: Unit 1 - Floor 4, One Central Plaza Dame Street Dublin 2 D02 K7K5, Ireland.

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Monzo is a member of the Irish Deposit Guarantee Scheme. For money deposits the maximum guaranteed amount is 100,000 euros per account holder and entity.

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The number above is only for customer support queries and we won't be able to help with other questions. We're free to call, but if you're calling from abroad, please be aware that you may be charged by your phone provider.

a document from the Financial Conduct Authority, see

Information about our Personal Current Account Services

European Commission's frequently asked questions

If you're looking for information about the Payment Services Directive, see the

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The home for everything you need to know about using Monzo.

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After tarifa plana, you'd need to invoice

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Reasonable cover without stretching your budget now.

Higher cuota. More cover for sick pay, pension and other benefits.

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Your cuota goes into Social Security. It covers your pension, sick pay, and parental leave — amongst other things.

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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.

To keep it, you'll need to stay registered and keep your Social Security payments up to date.

Spanish IRPF (Impuesto sobre la Renta de las Personas Físicas) is progressive — real rates depend on your total income and personal circumstances.

Real tax is calculated on net profit — income minus your actual business expenses. We've assumed the standard 7% deduction Hacienda allows by default. If your real expenses are higher (office rent, tools, professional services, travel), your actual tax bill will be lower than this estimate.

If your annual profit is below the personal allowance (approx. 5.550 € a year), you may not owe IRPF — that’s why some estimates can show 0 €.

This is general guidance. Your gestor will give you the precise figure 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.

Cuota is your monthly autónomo contribution to Social Security. See more information about your cuota in the 'Select your contribution' section below.

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Monzo mark-up over Mastercard rate

Total mark-up over European Central Bank rate

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Referral scheme

Personal Banking

United Kingdom

Ireland

Business Banking

United Kingdom

Ireland