Get 30% cash back at FIGS
Open a Monzo account and get 30% cash back on everything at wearfigs.com in February.* That’s real cash, paid instantly into your new Monzo digital bank account.
Why doesn't your bank do that?
Monzo is a financial technology company; not a bank. Banking services are provided by Lead Bank, pursuant to a license from Mastercard International Incorporated. Terms apply.
Make your money more Monzo
Cash back for all
Along with 30% cash back on scrubs, earn 5% cash back on all your spend for your first month.
Cash back where it matters
After your first month, choose your 5 favorite places to get cash back at, including Starbucks, Walmart and more.
Earn 3.75% APY on Savings*
Interest is paid monthly on every Savings Jar. There’s no minimum balance and you can take your money out whenever you need to.
Protection for your money
With Monzo, your money is eligible for FDIC pass-through insurance up to $250,000 through Lead Bank; Members FDIC.** And we also use Biometrics and PIN protection for added peace-of-mind.
All your money in one place
Stop switching between countless apps and accounts. Link your other bank, credit or savings accounts and see everything in one place.
Instant spending notifications
Stay in the loop with real-time alerts that show exactly how much you spent and with a business name you’ll recognize.
Help whenever you need it
Speak to us whenever you need, wherever you are. Our team’s there to help you through in-app chat.
Free ATM coverage nationwide
Choose from 40,000+ MoneyPass ATMs where you can withdraw cash for free.
Get paid up to 2 days early
If you get your paycheck into Monzo, you can get access to your money earlier.
Save as you spend
Every time you spend money, we’ll round it up to the nearest dollar and put the spare change in a Jar for you. All you need to do is switch on roundups.
*How does FIGS offer work? Offer available to new users who sign up to Monzo and spend on wearfigs.com in February.
How does cash back work?*Monzo Preferred account required for 5% cash back and 3.75% APY. Monzo Everyday account users get 1% cash back and 2.00% APY. Earn up to $60 cash back a month. Exclusions apply. FIGS cash back offer is available on both accounts. Not affiliated with or endorsed by FIGS.
** How does APY work? As of June 18, 2025, you'll earn 3.75% APY (Annual Percentage Yield) with a Monzo Preferred account subscription and 2.00% APY for Monzo Everyday users. No minimum deposit needed. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000. Monzo isn't a bank. Banking services and debit card are issued by our partners, Lead Bank or Sutton Bank, Members FDIC. T&Cs apply.
** How does FDIC insurance work? Your funds are held at Lead Bank, Members FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Lead Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about here.