Save your way with Pots & ISAs
Grow your dosh in Monzo with up to 3.25% AER interest (variable), paid monthly.
Keep your funds at your fingertips in personalised Pots, or earn tax-free interest with an ISA. It’s saving done your way.
The taxes you pay depend on your circumstances and could change in the future. Monzo current account required. UK residents only. Ts&Cs apply.
Many ways to save with Monzo
Check out all of our Savings Pots and ISAs in a handy-dandy comparison table.
Sort your savings with Pots
Instant withdrawals, no minimum deposit and up to 20 different Savings Pots. The perfect place to plant your pennies.
Earn tax-free with ISAs
Whether you’re saving or investing, doing it in an ISA means you won’t pay income or capital gains tax on anything you earn.
Boost your interest rate
Earn an exclusive interest rate with Monzo Perks, for £7 per month. UK residents aged 18+, Ts&Cs apply.
Monzo Savings Pots
Savings Pots are a place for you to put money aside and earn interest on it, just like a savings account. They’re different to Monzo’s regular Pots, which help with day-to-day budgeting (and don’t earn interest).
Monzo ISAs
Earn tax-free on your savings and investments with ISAs. Your money grows in the same way as your Savings Pot, but any interest you earn is exempt from UK income tax – which could help you reach your goals faster.
The taxes you pay depend on your circumstances and could change in the future.
FSCS protected
We’re a fully regulated UK bank and your eligible deposits are protected by the Financial Services Compensation Scheme (FSCS).
Your eligible cash deposits, including savings, are protected up to £120,000 per person. Your eligible investments are protected up to £85,000 per person.
Check out our Understanding FSCS protection article if you’d like to learn more.
Compare Savings Pots and ISAs
Instant Access
Joint Instant Access
Under 16s Instant Access
Instant Access Cash ISA
Stocks & Shares ISA
Instant Access
months minimum
Features
Tax-free earnings
Taxable interest
Interest rate
2.75% AER (variable)
Boosted interest rate
3.25% AER (variable) for Perks & Max customers
Annual limit
No annual limit. Add up to £1m
Instant, fee-free withdrawals
Savings Pot owner
Personal current account holder
Minimum deposit
£0
Risk
Low - you'll earn interest on your savings
Fees
£0
Roundups
Advanced roundups
Perks & Max customers
Auto deposits
Features
Tax-free earnings
Taxable interest
Taxable interest
Taxable interest
On interest
On investment earnings
Interest rate
2.75% AER (variable)
2.75% AER (variable)
2.75% AER (variable)
2.75% AER (variable)
No interest on investments
Boosted interest rate
3.25% AER (variable) for Perks & Max customers
3.25% AER (variable) for Perks & Max customers
3.25% AER (variable) for Perks & Max customers
No interest on investments
Annual limit
No annual limit. Add up to £1m
No annual limit. Add up to £1m
No annual limit. Add up to £10,000
£20,000
£20,000
Instant, fee-free withdrawals
3-4 working days, fee-free
Savings Pot owner
Personal current account holder
Both joint account holders
Parent account holder
Personal current account holder
Personal current account holder
Minimum deposit
£0
£0
£0
£0
£1
Risk
Low - you'll earn interest on your savings
Low - you'll earn interest on your savings
Low - you'll earn interest on your savings
Low - you'll earn interest on your savings
High - you could get back less than you invest
Fees
£0
£0
£0
£0
Platform and management fees
Roundups
Advanced roundups
Perks & Max customers
Perks & Max customers
Perks & Max customers
Perks & Max customers
Auto deposits
Start saving with Monzo today
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