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Grow your savings with Monzo Savings Pots

Earn interest on your savings? Check.

Custom pot images, automated savings and rounding up spare change? Check, check and check.

Save for the things that matter

With custom images, automated savings challenges, roundups, and competitive interest rates. Along with all the protection that comes with being a fully regulated UK bank.


Spend more than £1, we'll round up the change to the nearest pound and add it to your Savings Pot.

Automated savings

Make saving a habit by putting money aside automatically every time you spend.

Earn interest

Earn up to 3.46% (AER/Gross fixed) interest on your savings. That’s on a 12-month Fixed Pot with a £500 minimum deposit to open. (Fixed means the money will be locked away for 12 months while you earn interest on it.)

FSCS protected

The money you put into Savings Pots is protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS).

The FSCS apply this limit to each person and to the total amount of any money you have with the provider, whether held through Monzo or not.

Please note, this means if you have separate accounts with our savings providers outside of the Monzo app, then the deposits held in those accounts will also count towards the limit of £85,000.

Fixed term savings pot screen

Under one roof, but separated

No one wants to muddle their savings with their spending money.

We’ve designed the Monzo app so you can keep your Savings Pots separate from your balance, but all in one convenient place.

Savings pots screen

Keep your eyes on the prize

Add any image to a Savings Pot to help you stay on track and achieve your goals.

Savings round ups screen

Save little and often

Roundups automatically put your spare change from a payment into savings to help you save every day.

We've also built automatic savings triggers to put money aside for you. Like putting a fiver into a Rainy Day Pot everytime it gets hotter than 20 degrees.

Monzo customers using roundups had an average Savings Pot balance more than five times higher than those who weren't.

Microsaving is a great way to give your savings an extra boost or start on your savings journey. Join the Monzo Savings Squad and share your savings tips with other members of our community.

Saving's about more than just interest rates

So what are you waiting for? Check out our savings options today.

You can also find guides on savings accounts on our blog.