Monzo Pricing

Finance & Investing Last verified July 31, 2026

From

$4.03/mo

75 Dark Pattern Territory

Monzo pricing

All 5 plans side by side. Prices shown in USD.

Free

Free
  • A UK current account with eligible deposits protected by the FSCS up to £120,000 per person
  • 2.75% AER (variable) interest on Instant Access savings, paid monthly
  • 3.15% AER (variable) interest on Select Access savings, paid monthly (2 or fewer withdrawals a year, £500 minimum deposit)
  • Connect one external bank account or credit card
  • Fee-free withdrawals up to £400 every 30 days in the UK and EEA
  • Fee-free withdrawals up to £200 every 30 days outside the EEA
  • Credit insights for your TransUnion score only

Extra

Cheapest

The bank account for budgeting

$4.03/mo
≈ $48.36/yr if paid monthly
  • Everything in Free, plus 3.00% AER (variable) on Instant Access savings, paid monthly
  • Unlimited connected banks and credit cards
  • Virtual cards, advanced roundups and custom categories
  • Auto-spreadsheet: your transactions added to a downloadable Google Sheet
  • Credit insights for 2 scores (TransUnion and Equifax)
  • Billsback: a monthly chance to have a bill paid back, up to £150
  • Unlimited fee-free withdrawals in the UK and EEA

Perks

The bank account with benefits

$9.39/mo
≈ $112.68/yr if paid monthly
  • Everything in Extra, plus 3.25% AER (variable) on Instant Access savings, paid monthly
  • 3.65% AER (variable) on Select Access savings, paid monthly (2 or fewer withdrawals a year)
  • An annual Railcard and an annual Uber One membership
  • A weekly Greggs treat and a monthly cinema ticket at Vue
  • Discounted investment fees
  • Fee-free withdrawals up to £600 every 30 days outside the EEA
  • 3 fee-free cash deposits every month

Max

The bank account that's got you covered

$22.82/mo
≈ $273.84/yr if paid monthly
  • Everything in Perks, plus 3.50% AER (variable) on Instant Access savings, paid monthly
  • Personal worldwide travel insurance provided by Zurich, powered by Qover
  • Personal worldwide phone insurance provided by Assurant
  • Personal UK & Europe breakdown cover provided by RAC
  • Burnt Coral card
  • 3 month minimum term, for UK residents aged 18-69

Max with Family

$29.53/mo
≈ $354.36/yr if paid monthly
  • Everything in Max, plus your family added to your cover for an extra £5 a month
  • Worldwide travel insurance for you and your family, provided by Zurich, powered by Qover
  • Worldwide phone insurance for you and your family, provided by Assurant
  • UK & Europe breakdown cover for you and your family, provided by RAC
  • 3.50% AER (variable) on Instant Access savings, paid monthly
  • 3 month minimum term, for UK residents aged 18-69

Verified July 31, 2026 · Source: monzo.com

Price history

We just started tracking Monzo's pricing. The chart will appear here once we have at least two dated snapshots.

How to cancel Monzo

A quick read on what to expect — full step-by-step guide is one click away.

75 Dark Pattern Territory

This cancels a Monzo paid plan — Extra, Perks or Max — not your Monzo account, which stays open and free. It is app-only: open your plan's tab, scroll to Settings at the bottom, tap the red Cancel {plan}, scroll the "Here's what you'll lose" sheet to the end, then confirm with Yes, cancel {plan}. Monzo publishes a shortcut that opens the same screen: monzo.com/-deeplinks/cancel-paid. Your benefits run to your next payment date and there is no refund. Leaving Extra is free with no minimum term; Perks and Max can claw back £23 for a Railcard you claimed and £5 for a plan card you ordered, and Max locks you in for 3 months.

Why this score?

Computed from five weighted dimensions: required steps, retention friction, channel restrictions, refund policy, and recovery hostility. See the full rubric.

Sources & corrections

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