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Monzo logo

Monzo Pricing

monzo.com · Personal Finance · refreshed 2026-05-06
Personal Finance
2 tiers
Public API
Quick answer

Monzo pricing starts at $3/mo for the Plus plan. 3 tiers total including a free tier.

Page fetched 2026-05-09 · monzo.com · Tier-based subscription
Monzo pricing page screenshot — https://monzo.com/current-account/
Source · live pricing page on 2026-05-06

monzo.com/current-account/

Open
Pricing
Monzo — 2 products
As of 2026-05-09 · monzo.com/current-account/
Free
Free
Standard current account
No monthly fee
Instant notifications
Plus
$3/mo
flat
Enhanced spending insights
Additional perks
Max
$17/mo
flat
Worldwide travel and phone insurance
3.25% AER interest on savings pots
Weekly treat and cinema ticket
Cost calculator
See your real cost on each plan

Adjust seats to compare Monzo plans side-by-side and check the annual break-even.

Plus
$3.00/mo
$3.00/mo
Max
$17.00/mo
$17.00/mo
Open live pricing pageSee agent-readiness analysis
Frequently asked
Monzo pricing FAQ

Monzo pricing starts at £3/mo for the entry plan; paid plans up to £17/mo. Billed monthly.

Yes — Monzo publishes a free tier. no monthly fee.

Yes — Monzo's purchase motion is self-serve. A checkout URL is published on the pricing page. No demo is required.

xpay scored Monzo as human-assisted: some plans are self-serve, others require sales contact. Monzo publishes a pricing page with 2 discoverable plan tier(s). No per-unit price was found on the page; an agent has no direct way to estimate the cost of a single task. Public API documentation is reachable without an auth wall. For the full purchase simulation see the linked Agent-Ready Index scorecard.

In the Personal Finance category, xpay's Agent-Ready Index lists alternatives ranked by their ability to support AI agent purchase. Visit the agent-readiness scorecard for Monzo to compare with 3 nearest peers.

Alternatives in Personal Finance
Top Monzo alternatives by pricing transparency
Buxfer pricing
buxfer.com
Lunch Money pricing
lunchmoney.app
EQUO pricing
tryequo.com
Pallo pricing
pallo.com
Qashboard pricing
qashboard.com
GreenWise pricing
greenwise.tech
Balance Pro pricing
balancepro.money
Avocado Finance pricing
avocadofinance.io
Browse all Personal Finance alternatives →
AI agent readiness
Can an AI agent buy from Monzo?
Partially Agent-Ready

46

/ 100 in xpay's Agent-Ready SaaS Index

Monzo scores 46/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available.

See the full scorecardIncludes the 6-step agent purchase simulation, score breakdown across 7 dimensions, and the one-line fix that would lift Monzo into the Agent-Ready Verified band.
Quick facts
At a glance
Free access

no monthly fee

Billing cycle

Monthly

Lowest paid

$3/mo

Self-serve checkout

4 tiers

Products × tiers

2 × 3

Pricing model

Tier-based subscription

More Personal Finance alternatives
Most agent-ready

Preso Finance

presobudget.com
51

WellPaid

getwellpaid.com
50

Goodbudget

goodbudget.com
49

Spendee

spendee.com
49

PocketSmith

pocketsmith.com
49
Monzo pricing summary derived from a live read of https://monzo.com/current-account/ on 2026-05-06. For the agent-readiness assessment — including the 6-step purchase simulation and a per-dimension scorecard — see xpay's Agent-Ready SaaS Index entry for Monzo.

Explore SaaS pricing across categories

25,480+ SaaS scored on agent-buyability — browse by readiness band, category, or jump straight to a pay-per-run tool on xpay.tools.

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