Monzo is a UK digital bank founded in 2015, operating via a mobile app with a distinctive coral-coloured debit card. It offers personal current accounts with features including instant spending notifications, fee-free spending abroad, savings pots, salary sorting, bill splitting, and built-in budgeting tools. Monzo holds a full UK banking licence and deposits are FSCS-protected. The bank runs an active referral programme where both the referrer and new customer receive a random bonus of £5, £10, £20, or £50 after the new user makes their first card payment. Referrals are capped at 10 per customer. Monzo serves millions of UK customers and also offers paid Plus and Premium tiers.
20 referrals
Make any spend, can be as little as 10p, then get £10-£50 reward. Instant
@redhead2802
InstantID RequiredSpend Required
£50View ReferralView
Upto £50 from Monzo
@d4rn0tt
ID Required
£50View ReferralView
£10, £20 or £50 from Monzo
@spectagout
InstantID RequiredSpend Required
£10-50View ReferralView
£10, £20 or £50 when you join Monzo
@savvynewbie
ID Required
£10-£50View ReferralView
Get a mystery offer of £20 £50 or £100 from Monzo
@kymme2004
£20-£100View ReferralView
£20 £50 or £100
@znuvy
InstantID Required
£20View ReferralView
Get £20, £50, or £100 when you join Monzo from Monzo
@benperryman3
ID RequiredSpend Required
£20-100View ReferralView
Free cash from Monzo
@lynseynfoy
InstantID RequiredSpend Required
£10-£50View ReferralView
Get £20, £50, or £100 when you join Monzo
@MojoA·
ID RequiredSpend Required
£20-100View ReferralView
Monzo mystery reward
@jyoti
£20-100View ReferralView
Have a Monzo referral? Submit yours
Common questions
What's the best Monzo referral right now?
20 community-verified Monzo referrals are live. The top reward right now is 50. Top contributor: @redhead2802. Cards rank by real usage (votes, clicks, approvals), so the strongest offer is the first one you see above.
How much can I earn with a Monzo referral?
Current rewards on Monzo land in the 50 range. Exact amounts depend on the promotion, the reward side (referrer vs referee), and whether you qualify. Tap any offer above to see the full breakdown.