Who can use this offer?
- Eligibility
- UK residents aged 16+ who have never had or applied for Monzo
- Spending or deposit
- One card purchase within 30 days; no minimum spend
Read the provider’s full terms and confirm your eligibility before applying.
How to claim the offer
Follow these steps only if the provider confirms the invitation and its current terms.
- Open the personal invitation and enter the mobile number you will use in the app.
- Within 30 days, download Monzo, pass its checks and open your account.
- Add enough money for an ordinary card purchase and pay using your debit card or digital wallet.
Important conditions
- Under the standard allocation, £10 has a 94% chance, £20 a 5% chance and £50 a 1% chance. The invitation and app determine your reward.
- After the referrer’s first 100 referrals, or under certain business-account circumstances, the reward can fall to £5.
- ATM withdrawals, transfers and virtual-card transactions do not count. Account approval is required.
- No bank switch is required. Paid account plans are optional.
Checks & provider information
- Last checked
- 18 Oct 2026
The personal invitation and Monzo’s referral terms were checked on 18 October 2026. The old link opened a business invitation and has been moved to the separate Monzo Business listing.
Monzo terms
