Monzo Perks Debit Card Review 2026

How you earn

Lifestyle perks worth over £300 a year plus fee-free card spending abroad — no travel or phone insurance.

• No 3-month lock-in (unlike Max). Partner perks can change. Railcard eligibility depends on age and where you live. Billsback is a draw, not a guaranteed rebate (up to £150 if selected).
• UK residents 18+. No upper age cap (Max is 18–69). Distinct from the free Monzo debit card and from Monzo Max.
• £9/month for new customers from 13 August 2026 (was £7 — older pages are stale). No travel, phone or breakdown insurance — upgrade to Max for those. Not a cashback account.

Using it abroad

No cashback or points — Monzo's lifestyle plan: weekly Greggs treat, annual Railcard, monthly Vue ticket, YouTube Premium Lite and Uber One, plus boosted savings rates and a higher fee-free ATM limit abroad. No travel, phone or breakdown insurance — that sits on Max.

• Outside the EEA the first £600 in a rolling 30 days is free, then 3%. ATM operators may still charge. Receiving euros or other foreign-currency inbound payments has a 1% conversion fee (capped £1,000).
• Converts at the Mastercard exchange rate.

Who can apply

Need a Monzo current account first. No minimum pay-in.

What else you get

Weekly Greggs treat.

• Monthly Vue cinema ticket plus 10% off food and soft drinks.
• YouTube Premium Lite.
• Instant Access savings 3.25% AER and Select Access 3.65% AER (variable, paid monthly).
• Saving Challenge at 5.00% AER.
• Extra-plan tools (connected accounts, virtual cards, advanced roundups).
• Holographic Blue Coral card.