Monzo
Free
- Fee-free cash withdrawals abroad
- Up to £200
- Credit scores
- 1
- UK current account
- FSCS protection up to £120,000
- Monzo Saving Challenge (no interest)
- Fee-free cash withdrawals abroad up to £200
- Hot coral card
Monzo pricing
Digital bank offering current accounts, savings, credit cards, investments and budgeting tools through a mobile app.
- Free plan
- Yes
- Paid from
- £3/mo
- Plans
- 4
- Free trial
- -
What is Monzo?
Monzo is a UK digital bank that provides personal and joint current accounts, savings accounts and ISAs, credit cards, loans, investments and pensions, all managed through a mobile app. It is aimed at UK residents who want to budget and save, with tools such as Pots for separating money, Salary Sorter for dividing income, round ups that move spare change into savings, and cashback offers. Accounts are free to open, and paid plans add extra features and benefits. Business accounts are also available.
Plans and prices
Extra
£3/mo
- Connected accounts
- One
- Credit scores
- 1
- Fee-free cash withdrawals abroad
- Up to £200
- Fee-free cash deposits
- 3
- Connected banks and credit cards
- Virtual cards
- Advanced roundups
- Custom categories
- Auto-spreadsheet
- Credit insights (1 score)
- Instant Access savings rate 3.00% AER
- Select Access savings rate 3.15% AER
+ 4 more
- Fee-free cash withdrawals abroad up to £200
- 3 fee-free cash deposits
- Discounted investment fees
- Billsback chance to get bills paid back
Perks
£9/mo
- Credit scores
- 2
- Fee-free cash withdrawals abroad
- Up to £600
- Fee-free cash deposits
- 3
- Everything in Extra
- Annual Railcard
- Weekly Greggs treat
- Monthly cinema ticket at Vue
- Annual Uber One Membership
- 3 month free trial of YouTube Premium Lite
- Instant Access savings rate 3.25% AER
- Select Access savings rate 3.65% AER
+ 4 more
- Fee-free cash withdrawals abroad up to £600
- 3 fee-free cash deposits
- Discounted investment fees
- Billsback chance to get bills paid back
Max
£19/mo
- Credit scores
- 2
- Fee-free cash withdrawals abroad
- Up to £600
- Fee-free cash deposits
- 3
- Minimum term
- 3 months
- Everything in Extra and Perks
- Worldwide travel insurance
- Worldwide phone insurance
- UK & Europe breakdown cover
- Add family for extra £4 a month
- Instant Access savings rate 3.50% AER
- Select Access savings rate 3.65% AER
- Fee-free cash withdrawals abroad up to £600
+ 4 more
- 3 fee-free cash deposits
- Discounted investment fees
- Billsback chance to get bills paid back
- Monzo Saving Challenge 5% AER
Prices in GBP, as shown by monzo.com. Source: pricing page. Last checked October 30, 2026.
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I want to decide whether Monzo (monzo.com) is the right tool and which plan to pick. Below is what the StableMRR pricing directory read from Monzo's own pricing page (last checked 2026-10-30). It can be out of date, so treat it as a starting point. Category: Fintech / Banking and finance What it does: Digital bank offering current accounts, savings, credit cards, investments and budgeting tools through a mobile app. Plans: - Monzo: Free. Limits: Fee-free cash withdrawals abroad Up to £200, Credit scores 1. Includes: UK current account, FSCS protection up to £120,000, Monzo Saving Challenge (no interest), Fee-free cash withdrawals abroad up to £200, Hot coral card - Extra: £3/mo. Limits: Connected accounts One, Credit scores 1, Fee-free cash withdrawals abroad Up to £200, Fee-free cash deposits 3. Includes: Connected banks and credit cards, Virtual cards, Advanced roundups, Custom categories, Auto-spreadsheet - Perks: £9/mo. Limits: Credit scores 2, Fee-free cash withdrawals abroad Up to £600, Fee-free cash deposits 3. Includes: Everything in Extra, Annual Railcard, Weekly Greggs treat, Monthly cinema ticket at Vue, Annual Uber One Membership - Max: £19/mo. Limits: Credit scores 2, Fee-free cash withdrawals abroad Up to £600, Fee-free cash deposits 3, Minimum term 3 months. Includes: Everything in Extra and Perks, Worldwide travel insurance, Worldwide phone insurance, UK & Europe breakdown cover, Add family for extra £4 a month Alternatives in the directory: 21bitcoin, ADM Guard, Acorns, Agentic Traders Pricing page: https://monzo.com/current-account/plans Directory listing: https://stablemrr.com/p/monzo-com First ask me three short questions about my team size, budget and what I need it for. Then recommend one plan, tell me what could make it a bad fit, and compare it with the alternatives. Finish with what I should check on the vendor's site before I pay.
Pricing facts
- Pricing model
- Freemium
- Billing
- monthly
About Monzo
- Headquarters
- United Kingdom
- Platforms
- web, ios, android
- Integrations
- PayPoint, Post Office
Features
- UK current account
- FSCS protection
- Monzo Saving Challenge
- Billsback
- Connected banks
- Virtual cards
- Advanced roundups
- Custom categories
- Auto-spreadsheet
- Credit insights
- Savings rate boosts
- Fee-free cash withdrawals abroad
- Fee-free cash deposits
- Discounted investment fees
- Partner perks
- Travel insurance
- Phone insurance
- Breakdown cover
Price history
No price changes recorded since we started tracking on October 30, 2026.
Alternatives to Monzo
| Product | Category | Free plan | Paid from | Plans | Checked |
|---|---|---|---|---|---|
| 21bitcoinApp to buy, save and self-custody Bitcoin with a German bank account and regulated custody. | Banking and finance | No | - | 5 | Oct 29, 2026 |
| ADM GuardCompliance platform for registering automated decision-making systems and producing audit trails for Australian Privacy Act APP 1.7 to 1.9. | Banking and finance | No | A$99/mo | 4 | Oct 29, 2026 |
| AcornsA financial wellness app that automates saving, investing, banking, and family money management. | Banking and finance | No | $4/mo | 3 | Oct 29, 2026 |
| Agentic TradersAI trading platform where users describe a strategy in plain English and an AI agent trades crypto, forex, stocks and commodities. | Banking and finance | Yes | $19/mo | 3 | Oct 29, 2026 |
| AngelListPlatform for venture fund administration, investor management, and private market investing. | Banking and finance | No | - | 2 | Oct 29, 2026 |
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How this page was made. Plans and prices are read automatically from monzo.com's public pricing page, checked against the page text, and re-checked about every week. Method. Something wrong? Tell us.