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Monzo savings rates
5 accounts listed. The highest rate is 3.50% AER on the Instant Access Savings (easy access).
FSCS protection: up to £120,000 per person across everything you hold with Monzo Bank Limited.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Instant Access Savings | 3.50% | Easy access | £1 |
| Instant Access Cash ISAISA | 3.50% | Easy access | £1 |
| Select Access Savings Pot | 3.15% | Easy access | £500 |
| Select Access Cash ISA PotISA | 3.15% | Easy access | £500 |
Children's saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Under 16s Savings Pot | 2.75% | Easy access | £1 |
Compare Monzo with every other bank
Who holds the money
- Deposit-taker
- Monzo, a trading name of Monzo Bank Limited
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 730427)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £1,029m at 31 March 2026 (latest published accounts).
- Website
- monzo.com. Every "Go to bank" link we show for Monzo leads only to this domain.
Complaints and reviews
- Complaints to the bank
- Complaints the bank itself reported to the FCA about banking and credit cards, for MONZO BANK LIMITED.67,488 complaints opened (2.39 for every 1,000 accounts); the bank upheld 24.0% of the complaints it closed. October 2025 to March 2026 (source)
These figures cover the whole firm behind Monzo, including current accounts, cards and loans, not just savings. Bigger firms have more customers and so more complaints. Periods differ between sources and are months old when published. They never change our rate order. FCA-format figures contain public sector information licensed under the Open Government Licence v3.0.
This page lists every Monzo account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.