Banking offer
Get £10 when you open Monzo
Monzo's referral offer can pay a reward after you open a personal account and spend on your card within the qualifying window. It is a simple account-opening offer, not a bank switch bonus.
Open Monzo →18+. Eligibility and T&Cs apply. Check Monzo's own terms before signing up. Rewards, eligibility and timings can change, and Monzo decides whether the offer has been completed correctly.
How it works
- 1
Open the Monzo link
Use the Frugl referral link so Monzo can recognise the offer.
- 2
Create your account
Complete Monzo's account opening checks in the app and make sure the referral is applied.
- 3
Spend on your card
The current referral terms usually require a card spend within 30 days. ATM withdrawals and transfers may not count.
The key terms
- 18+. Eligibility and T&Cs apply.
- Personal account reward is listed on Frugl as £10.
- You need to open the account through the referral journey.
- Spend requirements and excluded transaction types can apply.
- Monzo can change or withdraw referral offers at any time.
- This is a personal referral link from Frugl's developer, who may earn a reward. It does not cost you extra.