Monzo rates: up to 5% AER
neobank · FRN 730427 · monzo.com
Easy access
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Instant Access Savings Pot | Free | 2.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Savings Pot | Extra £3 a month | 3.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Savings Pot | Perks £9 a month | 3.25% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Savings Pot | Max from £19 a month | 3.50% | AER | 2026-11-01 | since 2026-11-01 | |
| Savings Challenge | Extra £3 a month · bonus | 5% | AER | 2026-11-01 | since 2026-11-01 | |
| Savings Challenge | Perks £9 a month · bonus | 5% | AER | 2026-11-01 | since 2026-11-01 | |
| Savings Challenge | Max from £19 a month · bonus | 5% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Savings Pot | Free · from £500 | 3.15% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Savings Pot | Extra £3 a month | 3.15% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Savings Pot | Perks £9 a month | 3.65% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Savings Pot | Max from £19 a month | 3.65% | AER | 2026-11-01 | since 2026-11-01 | |
| Under 16s savings account | Free | 2.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Under 16s savings account | Extra £3 a month | 2.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Under 16s savings account | Perks £9 a month | 2.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Under 16s savings account | Max from £19 a month | 2.75% | AER | 2026-11-01 | since 2026-11-01 |
Fixed rate bonds
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Rate Savings Pot | 1 year · from £500 · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | Free · 1 year · from £500 · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | Extra £3 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | Perks £9 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | Max from £19 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | 2 years · from £500 · fixed | 4.60% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Savings Pot | 3 years · from £500 · fixed | 4.60% | AER | 2026-11-01 | since 2026-11-01 |
Cash ISAs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Instant Access Cash ISA Pot | Free | 2.75% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Cash ISA Pot | Extra £3 a month | 3.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Cash ISA Pot | Perks £9 a month | 3.25% | AER | 2026-11-01 | since 2026-11-01 | |
| Instant Access Cash ISA Pot | Max from £19 a month | 3.50% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Cash ISA Pot | Free · from £500 | 3.15% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Cash ISA Pot | Extra £3 a month | 3.15% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Cash ISA Pot | Perks £9 a month | 3.65% | AER | 2026-11-01 | since 2026-11-01 | |
| Select Access Cash ISA Pot | Max from £19 a month | 3.65% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Cash ISA Pot | Free · 1 year · from £500 · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Cash ISA Pot | Extra £3 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Cash ISA Pot | Perks £9 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate Cash ISA Pot | Max from £19 a month · fixed | 4.70% | AER | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| monzo.com/savings-isas/fixed-rate | 2026-11-01 12:12 UTC | ok | 316743cd53a9 |
| monzo.com/savings-isas/ | 2026-11-01 12:12 UTC | ok | b8d942a9ef6f |