Training Example: Monzo Bank – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H2] Monzo for all your money
Get clear on your spending. Unlock smarter ways to save. Invest with confidence.Open a free bank account
[IMG: Which? Recommended Provider for Current Accounts, November 2025.]
[IMG: Current Account Switch Guarantee]
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[IMG: Which? Recommended Provider for Current Accounts, November 2025.]
[IMG: Current Account Switch Guarantee]
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You could get back less than you invest. UK residents. Ts&Cs apply.
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[H2] Earn up to 3.65% AER (variable) with Select Access
Park your savings and earn more interest, without locking your money away. Got Perks or Max? You'll get a boosted rate of 3.65% AER (variable).Explore Select Access Savings
[IMG: Which? Recommended Provider for Current Accounts, November 2025.]
[IMG: Current Account Switch Guarantee]
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[IMG: Which? Recommended Provider for Current Accounts, November 2025.]
[IMG: Current Account Switch Guarantee]
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£500 minimum deposit. Free Monzo current account or plan required. UK residents 18+. Ts&Cs apply. Plans start from £7 a month.
[H2] Tell me about...
Free featuresPaid features
[H2] Manage your money today
Get instant notifications, spending insights, and Pots to separate your money, with a free Monzo bank account.
[H3] Payday, the Monzo way
Get paid one business day early, and the chance to double your salary, if you’re paid by Bacs.
[H3] Sort your salary
Send your salary to allocated Pots as soon as you get paid.
[H3] Separate your money
Create up to 20 Pots to keep things organised.
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[H3] Earn while you spend
Shop and earn cashback at top brands like Asda, Boots and National Express.
[H2] Manage your money today
Upgrade your personal account to get our best money management tools.
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[H3] Create your own categories
Group your spending in a way that suits you.
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[H3] Connect other accounts
See your other bank accounts and credit cards in Monzo.
[H3] Save as you spend
Automatically round up your spare change by 2, 5 or 10 times the amount.
[H3] Create virtual cards
Make and delete extra cards for budgeting and safer shopping.
[H2] Humans on hand, 24/7
You can speak to a real-life human through our in-app chat – whenever, wherever. We're here for you 24/7.Join Monzo for free
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[H2] Make payday twice as nice
We could double your salary if you get paid into Monzo by Bacs. There’ll be 10 lucky Monzo customers every month.Find out more
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SaveInvestRetire
[H2] Build your money for tomorrow
Save for the things that matter.
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[H3] Earn 3.65% AER
Earn up to 3.65% AER (variable) with a Select Access Saving Pot or Select Access Cash ISA. 1
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[H3] Save with roundups
Automatically turn spare change into savings every time you spend. Interest is paid monthly.
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[H3] Get clear on your goals
Give your Savings Pots a purpose with targets, names and images.1. Select Access has a £500 minimum deposit. If you withdraw more than twice in 12 months, we’ll lower your rate to 2.60% AER (variable) if you have a free current account, or to 3.10% AER (variable) if you have Perks, Max, Plus or Premium until the one-year anniversary of opening this Pot.
[H2] Build your money for tomorrow
Funds to fund your future. The value of your investments could go up or down and you could get back less than you put in.
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[H3] Start small
Build towards your future by investing as little as £1.
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[H3] Set it and forget it
Automate your investments deposits to help build a habit.
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[H3] Learn with every tap
Read our simple investing guides as you go.
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[H3] Transfer an ISA, get a bonus
Get a bonus if you transfer an ISA of £1,000 or more to a Stocks & Shares ISA. Ts&Cs apply.18+, Monzo current account required to invest.
[H2] Build your money for tomorrow
Save for future you. The value of your pension could go up or down and you could get back less than you put in.
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[H3] Find your old pensions
Just tell us where and when you worked, and we’ll do the rest.
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[H3] Combine them in one place
See all your pensions under one roof to get a clearer view of your future money.
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[H3] Add money whenever you like
Whether it’s a little or a lot, every bit counts towards your future.
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[H3] Make pensions less puzzling
Our 90-second lessons break down everything you need to know.18-70 years, Monzo current account required to open a pension.
[H2] It all starts with a Hot Coral card
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[IMG: Max]
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[H3] Current account
Our signature Hot Coral current account that fits your finances. Enjoy fee-free payments abroad, instant notifications, credit insights, Pots and automated roundups. Learn moreUK residents. Ts&Cs apply.
[H3] Flex
An award-winning credit card with Section 75 protection.Get credit you can count on with a credit limit up to £10,000, 29% APR representative (variable), £1,200 credit limit, 29% yearly interest (variable).Learn moreEligibility criteria and Ts&Cs apply. Age 18+. UK residents. Not keeping up with payments may negatively impact your credit score. Each purchase is repaid over a maximum of 24 monthly payments.
[H3] Joint account
A shared bank account that helps you manage joint costs. Get dedicated joint account cards, and save together with Instant Access Savings Pots.Learn moreYou'll both need a Monzo account. Aged 18+. UK residents. Ts&Cs apply.
[H3] Max
Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more.Upgrade your current account from £17 a month.Learn moreAges 18-69. UK residents. 3 month minimum term. Ts&Cs apply.
[H3] Perks
Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat.Upgrade your current account for £7 a month.Learn moreAge 18+. UK residents. Ts&Cs apply.
[H3] Extra
Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories.Upgrade your current account for £3 a month. Learn moreAge 18+. UK residents. Ts&Cs apply.
[H3] Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.Learn moreAges 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
[H3] Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.Learn moreAges 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
[H3] Under 16s account
A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications.Learn moreAges 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply.
[H3] Business account
An account packed with everything you need to make life easier for you and your customers.Awarded Best Business Banking Provider at the 2024 British Bank Awards.Learn moreOnly sole traders or limited company directors in the UK can apply. Ts&Cs apply.
[H2] Which? recommended 2 years in a row
Join 15 million people already banking with Monzo.Join Monzo for free
[IMG: Which? Recommended Provider for Current Accounts, November 2024 and November 2025]
[H2] Security you can bank on
Keep your money safe with industry-first fraud protection and 24/7 support.How we protect your money
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[H3] Call Status
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This feature tells you if you're really speaking to Monzo, or if it could be a scammer. It helps prevent around 1000 fraud attempts a month.
[H3] Instant notifications
Get notified the second you spend, so you're in the know wherever you go.
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[H3] Card freeze
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Instantly freeze your card in the app if it gets lost, stolen or you suspect fraud.
[H3] Biometric login
Switch on face or fingerprint ID to unlock your app and authorise payments.
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[H3] Extra security controls
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Add an extra layer of protection when making large payments. Use known locations, a secret QR code or trusted contacts to verify it's you.
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[H3] Call Status
[IMG: A circular, hot coral badge with the white text]
This feature tells you if you're really speaking to Monzo, or if it could be a scammer. It helps prevent around 1000 fraud attempts a month.
[H3] Instant notifications
Get notified the second you spend, so you're in the know wherever you go.
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[H3] Card freeze
[IMG: A circular, hot coral badge with the white text]
Instantly freeze your card in the app if it gets lost, stolen or you suspect fraud.
[H3] Biometric login
Switch on face or fingerprint ID to unlock your app and authorise payments.
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[H3] Extra security controls
[IMG: A circular, hot coral badge with the white text]
Add an extra layer of protection when making large payments. Use known locations, a secret QR code or trusted contacts to verify it's you.
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[H2] 15 million personal and
business customers have
changed the way they bank
Trustpilot
[H2] Download the app
Open the App Store on your iPhone, or Google Play Store on your Android device. Search for Monzo. Tap ‘Install’ or ‘Get’ to download the app.
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[IMG: Get it on Google Play]
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[H2] No phone? No problem.
If your phone's lost or stolen, you can log into your account on another device, like a laptop or tablet. You can freeze and unfreeze your accounts, check your transactions and balance, and remotely log out of all your devices.Log in
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[H2] Did you know?
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[H3] Over 2 million people
have joined Monzo's Saving Challenge in 2026.
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[H3] £131
is how much extra our customers save on average each year using roundups.
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[H3] £8.5 billion
is the total amount our customers are saving in Instant Access Savings Pots.
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[H3] Around 1000
fraud attempts are caught each month thanks to our Call Status feature.
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[H3] £4.56 million
was the total cashback earned by Monzo customers in 2024.
[H3] Join over 15 million customers who are doing more with their money
Join Monzo todayResetPublished February 2026
[H2] Independent service quality survey results
Personal current accountsAs part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
[H3] Great Britain
[IMG: Graph showing the results of the CMA scoring of UK banks in the Overall Service Quality category. The CMA asked customers how likely they would be to recommend their personal current account provider to friends and family. The rankings with percentage scores are: 1st Monzo with 82%. 2nd Starling with 77%. 3rd Nationwide with 75%. 4th First Direct with 74%. 5th Chase with 72%.]
View full results for Great Britain
[H3] Northern Ireland
[IMG: Graph showing the results of the CMA scoring of UK banks in the Overall Service Quality category. The CMA asked customers how likely they would be to recommend their personal current account provider to friends and family. The rankings with percentage scores are: 1st Monzo with 81%. 2nd Nationwide with 78%. 3rd Starling with 75%. 4th HSBC UK with 71%. 5th Chase with 69%.]
View full results for Northern IrelandPublished February 2026
[H2] Authorised push payment (APP) fraud rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Monzo’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR's latest APP Scams Pe

[H1] Find your pensions and bring them home
We can combine your old pensions and keep them all under one roof.It only takes 2 minutes to start the search. Then, if you decide to combine them with Monzo, you can top up your pension whenever you like.Get startedThe value of your pension could go up or down and you could get back less than you put in. You need a free Monzo current account to open a Monzo Pension. 18-70 years old only. UK residents only. Ts&Cs apply.
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[IMG: Best British Bank Award 2025]
[IMG: Which? Recommended Provider 2024]
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[H2] Simple steps to pension progress
[H3] Find your old pensions
Tell us where you worked and when - that’s all we need to get started.
[H3] Combine them into one
You’ll see all your old pensions as one, giving you a clear picture of your future.
[H3] Add money at any time
Whether it’s a little or a lot, every bit helps. Plus, you get tax relief whenever you make a pension contribution - that's when the government tops you up.
[H2] Give future you a head start
Saving for later doesn’t have to be hard work. Finding your pensions and keeping everything in one place means you can stay on top of your retirement goals.
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[H3] Update cookie preferences
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[H2] Adjust your cookie preferences
We use 4 types of cookie. You can choose which cookies you’re happy for us to use. For more detail, and a list of the cookies we use, see the Monzo cookie policy.
[H3] Make pensions less puzzling
Our bite-sized lessons break down pensions for you. Each one is only around 90 seconds, but packed full of key info to help you understand more about your future money. Find them in the app.Get started
[H4] Built to change with you
[H4] Know your money's in good hands
[H4] No hidden fees, ever
[H3] Your guide to self-invested personal pensions (SIPPs)
A Monzo Pension is a self-invested personal pension (or a SIPP). This guide breaks down the things you need to know about a SIPP, and more importantly the SIPP you can open with us - what it is, who it's for, rules around SIPPs, plus so much more.Learn more
[H3] Important documents
Sometimes the best things in life are found in PDF links. Check out all of the important documents about the Monzo Pension.Investment terms & conditions for Monzo Pension - terms between customers and Monzo for the investment services for Monzo PensionSeccl Custody Limited SIPP Operator Terms - terms between customers and Seccl Custody Limited for pension scheme operationKey features document - key features of the Monzo PensionMonzo Pension FeesBlackRock LifePath Target Date Fund factsheets: 2030/ 2035/ 2040/ 2045/ 2050/ 2055/ 2060/ 2065
[H2] Not a Monzo customer yet?
To get started with a Monzo Pension, all you need is our free Monzo current account, which is packed with helpful ways to manage your money.It only takes 10 minutes to apply, straight from the app.Open a free Monzo account
[H2] Questions? Get the answers
[H3] What is a self-invested personal pension?
A Monzo Pension is a type of pension called a self-invested personal pension. It gives you the ability to save for your retirement. But unlike a workplace pension, you have the ability to choose how it’s invested.A SIPP can be a tax-efficient way to boost your retirement savings. You can have a SIPP alongside other investments, such as the ones inside Stocks and Shares ISAs and workplace pensions. The taxes you pay depend on your circumstances and rules could change in the future.A SIPP is not designed to replace your workplace pension, if you’re employed, it’s meant to complement and work alongside it.If you’re self-employed, a SIPP is one way of saving for your retirement.
[H3] Should I combine my pensions?
First, a quick reminder: pension consolidation is a very personal financial decision, and it's not right for everyone. We'd always recommend seeking independent financial advice before combining your pensions.You usually get a new pension with each new job you have. So it’s easy for pensions to rack up. And over time, this can be difficult to keep track of. By combining your pensions into one place, you’ll be able to see exactly how much you’ve built up – and work out if you’re on track for the future. You’ll also cut down on future admin as you’ll only need details for one pension when you retire. And you’ll know exactly what you’re paying for your pensions too. Each provider has their own fees, so it’s tricky to work out what you’re paying when you have several pensions. With a Monzo Pension, you’ll pay transparent fees – you’ll pay a 0.25% platform fee (or 0.20% with Monzo Perks or Max) across your pension and investment accounts up to £100,000, plus ongoing management fees that depend on what you invest in.That means your maximum annual platform fee is capped at £250 (or £200 with Monzo Perks or Max). Bear in mind, at the point of combining your pension, you may be charged exit fees by your different pension providers.
[H3] Can I combine any type of pension?
You can combine old workplace and personal pensions.You won’t be able to transfer your current workplace pension that you’re paying in to. If you’ve already started taking money from a pension, you won’t be able to transfer that. And if your old pension has safeguarded benefits, we won’t transfer that either.
[H3] I'm still not sure. Where can I get more support?
You should be sure combining your pensions is right for you.Before you make the move, make sure you know your old pension's fees. If you transfer your pension to one with higher fees, it'll impact the value of your pension over a long-term period.Still need a little support? The government's Money and Pensions Service can help if you have any questions around pensions or money guidance, and debt advice too. And if you're still unsure, speak to a financial adviser, or if you're over 50, you can get free and impartial guidance through Pension Wise.
[H3] What fees will I pay for a Monzo Pension?
You'll pay a 0.25% platform fee (or 0.20% with Monzo Perks or Max) across your pension and investment accounts up to £100,000, plus ongoing management fees that depend on what you invest in.That means your maximum annual platform fee is capped at £250 (or £200 with Monzo Perks or Max).Your fees accrue daily, and are charged monthly.
[H3] Does this affect my current workplace pension?
No, not at all. You should continue paying into your current workplace pension as normal.When you pay into your workplace pension, so does your employer (up to a certain amount, which will be agreed in your contract). So you get more for your money by contributing to that, rather than a personal pension.
[H3] What information do I need to combine my pensions?
The more information you’re able to tell us, the sooner we’ll be able to combine your pensions.It’s best if you know your pension provider name, reference number and rough pension value.But don’t worry if you don’t have all this information. We can still look for your pension – even if all you know is where you worked and when.
[H3] How do the funds consider environmental, social and governance (ESG) factors?
These funds don't have a sustainability-focused objective, but at least 70% of the funds total assets are invested in funds that either meet ESG government ratings or consider ESG criteria within their investment processes. These funds mostly invest in other funds. Not all of the underlying funds, or their investments, will consider ESG factors.For more information on how the fund carries out its ESG policy, see the fund prospectus.
[H3] Can I take money out of my personal pension?
Pensions are legally locked to ensure you have money for retirement, so you can’t take money out until you turn 55 (rising to age 57 from 6 April 2028). And if you do make an unauthorised early withdrawal, HMRC will usually hit you with a 55% tax bill.The only exceptions for this are if you’re diagnosed with a terminal illness or a condition that means you can never work again.
[H3] What tax relief do I get from contributing to my personal pension?
When you pay into your personal pension, the government gives you a top-up – which is tax relief. For most people, that means for every £80 you put in, the government adds £20, so you end up with £100 in your pension pot. If you pay a higher rate of tax, you can claim back even more through your tax return, boosting your pension further.
[H3] Can I make one-off payments into my personal pension?
Yes, just head to the Pensions area in the app and tap ‘Add money’ to make contributions directly from your Monzo current account whenever you like.
[H3] Can I use this as my pension if I’m self-employed?
Yes, absolutely. Monzo Pensions are self-invested personal pensions (SIPPs), which means you decide how much you save and when you contribute, so they’re well suited for anyone who’s self-employed.iShares® and BlackRock® are trademarks of BlackRock, used under licence. BlackRock has no obligation or liability in connection with any product or service offered by Monzo.
[H2] Open a free current account
Download the Monzo app on iOS or Android and join more than 15 million personal and business customers who've changed the way they bank.
[IMG: Download on the App Store]
[IMG: Get it on Google Play]

[H1] Invest in what matters to you
Choose from a range of options to suit your interests, values, financial goals and the level of risk you’re happy with.Simple, transparent fees and the option to invest as little as £1.The value of your investments could go up or down and you could get back less than you put in.Open a free Monzo accountYou need a Monzo current account to use Investments. UK residents 18+. Ts&Cs apply.
[IMG: Best British Bank Award 2025]
[IMG: Financial Services Compensation Scheme Protected]
[IMG: Which? Recommended Provider 2025]
[H2] Keep it simple with ready-made funds
Pick from diversified ready-made funds based on your attitude to risk.
[H3] Careful
You’re happy with potentially smaller returns for less risk. About 80% of money in this fund ends up in bonds, and about 20% in shares.
[H3] Balanced
You're aiming for a higher return than Careful, with a medium level of risk. Roughly 34% of money in here ends up in bonds, and about 66% in shares.
[H3] Adventurous
You’re happy taking more risk if it means your returns could be higher. 100% of money in this fund ends up in shares.
[H2] Or build your own portfolio
Focus on topics that interest you, emerging industries or certain parts of the world.
[H3] Tech focused
Some of the world’s biggest tech companies.
[H3] Blockchain creators
Companies developing blockchain and cryptocurrency tech.
[H3] Metaverse
Companies worked on digital tech like VR and gaming.
[H3] Global companies
The world’s biggest companies across global stock markets
[H3] British companies
Top 100 largest companies traded on the London Stock Exchange.
[H3] More to choose from
We have 15 investments in total. Check them out.The value of your investments could go up or down and you could get back less than you put in.
[H3] An account to suit you
Open your Investment account as a stocks and shares ISA, which lets you invest up to £20,000 a year tax-free. Or consider a General Investment Account if you’ve already used your ISA allowance.You can also transfer your cash or stocks and shares ISA from another provider over to Monzo. It’ll give you a good idea of how you’re working towards your future goals.The taxes you pay depend on your circumstances and rules could change in the future.Start investing
[H3] Transfer an ISA, get a bonus
We’ll give you a bonus if you transfer an ISA of £1,000 or more to a Stocks & Shares ISA.Receive between a £10 and £500 bonus depending on the value of your ISA when the transfer completes. Ts&Cs apply.Open a Stocks & Shares ISA
[H2] Feel confident in your choices
[H3] Let experts do the hard work for you
We're offering investments from BlackRock’s iShares range and beyond. They're one of the world’s largest fund managers, so your money’s in expert hands.
[H3] Level up your investment knowledge
Our bite-sized topics help you understand key elements of investing.
[H3] Follow your investments at a glance
See how your money's spread out and how much it’s grown, all in one clear view.
[H2] Simple, transparent fees
No minimum fees. No trading fees. No surprises. Just more of your money invested and working for you.
[H3] Straightforward platform fees
You’ll pay a 0.25% yearly platform fee (or 0.20% with Monzo Perks or Max) plus ongoing management fees that depend on what you invest in.
[H3] Great value for beginners
We don’t charge minimum account fees, dealing fees or ‘admin’ fees that can quickly eat into your returns especially on smaller portfolios. What you see is what you pay with Monzo.
[H3] Fee-free investing for larger portfolios
If your combined investments and pension grow beyond £100,000, you won’t pay any yearly platform fees on the amount above that.
[H2] Invest automatically
Auto investing features allow you to set your investing habits and let them tick along in the background to achieve your longer term goals.
[H3] Turn on regular investing
Regularly drip feeding money into your investments could help you balance out ups and downs in the stock market that may come along.
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[H3] Invest your spare change
When you spend, we’ll round up the spare change to the nearest pound. And once it reaches £1, we'll invest it on a set day each week.
[H3] Invest your interest
Automatically invest the interest you earn on your savings each month. No extra effort, just a simple way to keep building.
[H2] Not a Monzo customer yet?
To get started with Monzo Investments, all you need is our free Monzo current account, which is packed with helpful ways to manage your money.It only takes minutes to apply, straight from the app.Open a free Monzo account
[H2] Questions, meet answers
[H3] What type of account can I invest into?
You can invest with us through a stocks and shares ISA and a general investment account. You can pay into more than one of the same type of ISA in a tax year. But if you already have an existing Cash ISA or Stocks and Shares ISA, you can transfer it to us too and carry on building with us.
[H3] Are my investments locked away?
No, you can access your money at any point. But remember, investing is a long-term strategy, so if you think you’ll need your money often, it may be best to put it into an instant access savings account instead.
[H2] Choose your investments
[H3] Careful
You’re happy with potentially smaller returns for less risk. About 80% of money in this fund ends up in bonds, and about 20% in shares.
[H3] Balanced
You're aiming for a higher return than Careful, with a medium level of risk. Roughly 34% of money in here ends up in bonds, and about 66% in shares.
[H3] Adventurous
You’re happy taking more risk if it means your returns could be higher. 100% of money in this fund ends up in shares.
[H2] Themed funds
[H3] Automation and robotics
Companies that supply and develop automation and robotics.
[H3] Blockchain creators
Companies developing blockchain and cryptocurrency tech.
[H3] Clean energy
Companies involved in renewable energy.
[H3] Healthcare innovation
Companies transforming healthcare through research and tech.
[H3] Metaverse
Companies worked on digital tech like VR and gaming.
[H3] Tech focused
Some of the world’s biggest tech companies.
[H2] Geographic and fixed income funds
[H3] American companies
Largest 500 publicly traded companies in USA.
[H3] British companies
Top 100 largest companies traded on the London Stock Exchange.
[H3] Emerging markets
Companies in different sectors from emerging markets countries.
[H3] European companies
Companies across various sectors from developed countries in Europe.
[H3] Global companies
The world’s biggest companies across global stock markets.
[H3] Short-term bonds
Bonds that mature within one year for low risk returns in line with interest rates.
[H6] Last but certainly not least
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