Annual fee
£228
£19 per month
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
Worldwide travel, phone and UK/Europe breakdown cover plus lifestyle perks, with fee-free card spending abroad.
No cashback or points — Monzo's top packaged plan: worldwide travel insurance (Zurich / Qover), worldwide phone insurance, UK & Europe breakdown cover, plus lifestyle perks (weekly Greggs, annual Railcard, monthly Vue ticket, YouTube Premium Lite, Uber One) and a higher fee-free ATM limit abroad.
Need a Monzo current account first. No minimum pay-in.
3-month minimum term. Travel cover includes cancellation up to £5,000, medical up to £10m, valuables up to £750, winter sports and car-hire excess up to £3,000, with a £50 excess. LoungeKey visits are discounted (£24), not free. Family cover is an extra £4/month (£23 total) on the current fee sheet.
The Monzo Max is a packaged debit account rather than a rewards card, so if you want cashback this is not it. What it does well is travel spending: Mastercard rates with practically nothing off the real exchange rate, and fee-free ATM withdrawals up to £600 every 30 days outside the EEA. The bundle of perks is genuinely broad, covering worldwide travel and phone insurance, breakdown cover, a Railcard, weekly Greggs and more. I would just note the fee has risen to £19 per month, with a three-month minimum term before you can leave.
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