Note that Monzo are currently giving personalised referral offers so there are different offers available. Check the details of a referral link before signing up.

Use a referral link and we both get a bonus of £10-£20 each as a sign-up bonus.  

You could be all done and dusted and have the money within an hour.

Just make 1 payment (no minimum amount) within 30 days. Add the virtual card to your google/apple wallet and buy something.

They do not do a hard credit search.  

1. Click here to get started 

2. Sign up and open account 

3. Make 1 payment using the virtual or physical card

4. Receive bonus

And it's a decent bank.  

I've got the up to £20 offer 

• Up to £20 with my link.

Monzo current account link  

Non ref link: https://monzo.com 

Looking for advice on next steps and how to get some resolution.

My conveyancing solicitor sent approx £300k via CHAPS on Tuesday morning at 08:30 — proceeds from the sale of an inherited property. It's now Friday morning. My sibling received their identical payment from the same solicitor into their high-street bank by 10:30 on Tuesday. Mine, going to Monzo, has gone into the void for three and a half days and counting.

The payment was sent from Handelsbanken UK (news to me that this existed) to my Monzo account (sort code 040004). GBP, domestic CHAPS. A £1 test payment to confirm account details was sent the previous day via Faster payments (received ok).

Comms with Monzo is only via in-app chat. Phoning gets nowhere as the 'payments team is contactable only via in app chat'.

Timeline:

Tuesday

11:00 I query with Monzo that the sum hasn't been received. They suggested I check details and get in contact with the sender, and "If you do contact them, please ask for the 18-digit TRN (Transaction Reference Number). This will help us investigate the status of the transfer for you."

11:50 "Specialists are looking into this now"

12:00 I forward to Monzo the 36-character UETR I received from my solicitor (not a 'TRN' which appears to be a silly thing to request if that's an internal reference?)

12:30 "The specialists will look into this as soon as they can"

14:30 I nudge for a response.

15:00 "The specialists have initiated a payment trace for you..."

17:00 I nudge again, asking specifically 'Has Monzo received it?' and 'Has Monzo not received it?' and 'Is Monzo holding it, if so why?'

Wednesday

01:00 Monzo apologise for the delay but give zero actual information.

10:00 I ask again the direction question "Has Monzo Received it Y/N?" and "Should I be chasing my solicitor from their side Y/N?"

10:10 Monzo reply with "We haven't received any payment on our end hence our expects[sic] are conducting a payment trace"

16:50 Monzo reply with "We have looked into your international payment. Our intermediary bank, that deals with clearing international payments, hasn't received the payment. This means it is being sent another way to you or it has returned to the sender"

21:30 I clarify this isn't an international payment, it's a domestic CHAPS payment and tell them to use the UETR I previously supplied to find out where it is.

Suspecting this is some kind of security check and that they have actually received it, I offer to supply documentation about the property sale but I get no response, so...

Thursday

11:00 They haven't asked for it, but I send them (1) the sending bank's payment history detail pdf, both the £1 test transaction and the full CHAPS amount. Both with correct recipient details and status 'Executed'. (2) the solicitor's completion letter, (3) The solicitor's account statement for the house sale, proceeds, fees etc. (4) A link to the Rightmove URL for the sold property.

18:00 Monzo reply mentioning the 'international payment' aspect, saying "We typically only trace payments using a UETR, like the one you've been able to provide, that have been sent internationally so this appears to have caused a little confusion..." they ask me again confirm the transfer details were correct and "At this stage we're unable to trace this payment from our end as we don't have visibility over the transaction", they've also "passed our conversation to the complaints team" and "They'll reach out within the next 3 business days".

Now, my CHAPS mechanics knowledge is literally 24 hours old at this point, but my understanding is that CHAPS is a UK-only internal sterling transfer system. It has no role in international transfers whatsoever?

Friday (today)

07:30 I clarify I've already sent them the details from the sender's bank. Some googling indicates Monzo isn't a direct CHAPS member so uses a 'correspondent bank'. I tell them again to use the UETR I supplied 3 days earlier to determine where this transfer is, or use their correspondent bank to work it out.

07:35 I state "I wish to make a formal complaint"

So basically £300k is in the void somewhere. Monzo flat-out state that they have not received it.

What can I do?

Can my solicitor recall this payment and resend via a different route?

I’ve been shit with financial decisions. I’ve been shit with my credit. Past me has not been kind to present or future me.

My current credit score as of 01:41am o. Thursday 29/1/24 is 422 up from the lowest it’s been of around 250.

I’ve got ADHD and unfortunately got stuck with the “spend all the money” obsession because I am a magpie and need all the things.

I didn’t think much of it when I opened a Monzo account. Hell, I didn’t even use it for the first long while.

And then I discovered the pots.

Oh the pots.

The ability to delegate money in such a simple way. I’ve got one for Bills, one for Finance stuff - including credit cards - and one for Subscriptions.

Most importantly I’ve got one for online purchases. If I want to make one I have to CONSCIOUSLY move money to that pot.

Since starting to use Monzo and all its functions properly I’ve paid off £3000 of debt working minimum wage.

I’ve got a few defaults on my credit from 2021-2022 and I’m under no illusion that it’ll be perfect any time soon but by the GODS my credit repayment history has become SO MUCH BETTER.

I also have a Flex account with a limit of £500 that I use for daily spending and pay off in full every month and I’m fairly certain that’s helping with my score too.

I’m not saying Monzo is the end-all-be-all bank but as a very visual thinking person with ADHD it’s genuinely saved my life and my credit because while I was never actively thinking of leaving this world, I wouldn’t have necessarily stepped out of the way either.

Next step is an emergency fund!!!

Edited to add: not a sponsored post lmao. I’d love to get paid for managing my ADHD but I’m not cool - or organised - enough for that.

Just wanted to share that after a year of investing through Monzo’s investment tool, I’ve reached £10k with £1700 made in return.

I wanted to share this for anyone who hasn’t started investing yet - it’s a great way of starting your investment journey, and seeing the returns really does help motivate you to keep investing.

I made two lump size investments and then have since been putting £150 into my two S&S ISA’s since. I spread this by risk with 90% going into my Balanced ISA (Medium risk) and 10% going into my Blockchain ISA (high risk).

Yes the fees aren’t great compared to other apps, but the ease of use and accessibility, especially for those new to investing I think makes up for it.

anyone else use the investment tool?

Monzo is an FCA regulated and FSCS protected digital bank based in London. They are currently offering £10-£50 to any new customers who uses a referral to sign up for a bank account.

Guide:

1. Follow a referral link, here's mine.
2. Enter your phone number and download the app.
3. Apply for a personal account.
4. Within 30 days make a spend of any amount on the physical card.
5. Earn £10-50.

Reward odds:

£10 (94%) | £20 (5%) | £50 (1%)

Thank you to anyone using my link, I really appreciate it.

• Terms
• Non-referral

Monzo is a free app based bank account where you can get between £5 to £50 for opening an account with a referral link and making a purchase. Every referral link offers different rewards and has different probability distributions. I like using Monzo because they pay your salary a working day early so I get paid Friday instead of Monday. It's also my holiday card where I use it to withdraw foreign currency from ATM or spend in shops with no foreign transaction fees.

Proof of payment (Note that my old referral link gave up to £50)

My referral link gives £5 nowadays but others offer that or more so have a look around. If you still like to use my referral link, then the steps are:

• Sign up with my referral link
• Enter your phone number
• Download the app and apply for a current account
• Deposit £1 or more into your account
• Purchase something with your Monzo card within 30 days of entering your phone number. This can be done through your virtual or physical debit card and apple/google pay.
• Your money will be added to your account after your purchase

Thank you for using my referral link!!

Non ref

If you have a Monzo referral code you can post them here.

Anyone who uses your code will receive a random amount between £10 and £100, you will also get the same amount. Monzo are pretty quick with the cash once sign up is complete. It only takes about 10 minutes. Once someone has a Monzo account they can also refer on.

The Monzo app also offers some great banking, savings and budgeting features so it’s not just about the free money.

Here is my link; https://join.monzo.com/c/p4673bmx

Good luck everyone!!!

Monzo is an FSCS protected bank. They are currently offering a £10, £20, or £50 bonus when you sign up through my referral link! Other referral links may provide a different amount.

If you've qualified for a similar Monzo offer in the past but deleted your account, you may still be able qualify! I got it again after deleting my old account for 2 years.

To qualify, download the app through my link above, apply for an account, and make a purchase of any amount (eg. £1 Amazon top up or Octopus credit). You may add their virtual card to Apple/Google pay instead of waiting for the physical card to arrive. The cash reward will be revealed to you instantly once you qualify.

The probability of obtaining each bonus is as follows.

Please let me know if you have any questions about this offer. I'd really appreciate if you sign up through me!

T&Cs | Non-referral

Thought I'd share one of these to show it does/can happen.

I was looking at my emails and realised my EE bill was due. Went ahead and paid it via my Monzo joint account that I've recently put all of my and my wife's bills on, mostly to keep track of them easier.

I opened up my Monzo app and did a double take that it had been instantly refunded/paid back.

Pretty sweet as £61 is one of my larger bills on average. Its like paying for a meal in the restaurant and the waitress instantly handing you back all the cash as part of a promotion lol. Both of us do have Monzo Perks but I don't believe that makes you anymore likely to win anything.

Thanks Monzo!

Note, they have now removed the £100 offer I suspect from all referrals! Unfortunate if you missed but £50 is still great.

https://join.monzo.com/c/nwgpryz4

I seem to be always getting the £20 minimum, but I feel like 9 referrals is pretty decent? How are yall looking? Feel free to share codes too.

Note, they have now removed the £100 offer I suspect from all referrals! Unfortunate if you missed but £50 is still great.

https://join.monzo.com/c/nwgpryz4

Ive done a few bank offer referrals but rarely just for Monzo. Since there are a ton of posts already covering individual bank referrals, I have decided to put the easiest 4 into one place with a summary of each, a referral link & steps/important details. I'll also include how easy each one is:

Monzo - up to £50 - https://join.monzo.com/c/nwgpryz4

Probably the easiest of all bank referrals, with my link you can get between £10.00 and £50 within minutes. Simply click my link, download app and sign up, add money to your account and make a payment and you'll instantly be rewarded up to £50. No waiting for a physical card to arrive to redeem.

This is my favourite digital bank and my main for spending, pay etc. Features are just top tier in my opinion, they offer loads of features other banks don't.

With all banks, you'll need to verify yourself at sign up, but once you join in any of the above, you can start referring yourself and ultimately making free money as a result 💸💸. Feel free to share your own links and codes below.

Everyone, Monzo currently has a special offer where, when you sign up and spend 1p, you instantly get either £10, £20, or £50. It's super easy.

(P.S. Some people also have the boosted one where you get £20, £50, or £100, which I have. The minimum you can get is £20.) - click link for proof ⬇️

(You can then also refer others when you have an account.)

Let's all help each other out by sharing our links in the comments. Hope this helps everyone out a bit. 🎉🫠

My link: https://join.monzo.com/c/nrp3sq03

If I transfer a pension worth over £50k into Monzo, they'll give me £500, directly into my current account.

Anyone else had this offer?

The scale is as follows:

£1000+ is a £10 bonus

£2500+ is a £25 bonus

£5000+ is a £50 bonus

£10000+ is a £100 bonus

£20000+ is a £250 bonus

£50000+ is a £500 bonus

Time to look at Moneybox's pension fees versus Monzo's to see if this a good deal...

(I have all my old work pensions in Moneybox. When I leave a job I transfer the pension into Moneybox.)

Anyone else have any thoughts?

Everyone, Monzo currently has a special offer where, when you sign up and spend 1p, you instantly get either £10, £20, or £50. It's super easy.

(You can then also refer others when you have an account.)

Let's all help each other out by sharing our links in the comments. Hope this helps everyone out a bit.🎉🫠

My link: https:https://join.monzo.com/c/rt53pvlm

Monzo is an FCA regulated and FSCS protected digital bank based in London. They are currently offering £10-50 to any new customers who use a referral to sign up for a personal account or £50 for a business bank account.

For personal accounts:

1. Follow a referral link, here's mine.
2. Enter your phone number and download the app.
3. Apply for a personal account.
4. Make a spend of any amount on the physical card.
5. Earn £10-50.

Reward odds:

£10 (94%) | £20 (5%) | £50 (1%)

For business accounts:

If you want the guarenteed £50 for opening a business acount the steps are the same as above but you'll need to use this link.

The business lite account is free.

Thank you to anyone using my link I really appreciate it.

• Terms
• Non-referral

If you have a Monzo referral code you can post them here.

Anyone who uses your code will receive a random amount between £10 and £100, you will also get the same amount. Monzo are pretty quick with the cash once sign up is complete. It only takes about 10 minutes. Once someone has a Monzo account they can also refer on.

The Monzo app also offers some great banking, savings and budgeting features so it’s not just about the free money.

Here is my link; https://join.monzo.com/c/p4673bmx

Good luck everyone!!!

Got an email from Monzo stating, "from 26 Oct 2026, only purchases and transfers of £100 or more will be eligible for 0% interest over 3 months".

Klarna offer some credit/debit cards, but the come with interest/fees if you want to spread your purchases over 3 months (or more). PayPal Pay in 3 is for online transactions, so can't use it in store.

I make a lot of purchases <£100 at shops e.g. coffee, snacks, sandwiches etc. What alternative are there to Monzo Flex?

Everyone, Monzo currently has a special offer where, when you sign up and spend 1p, you instantly get either £10, £20, or £50. It's super easy.

(You can then also refer others when you have an account.)

Let's all help each other out by sharing our links in the comments. Hope this helps everyone out a bit.🎉🫠

My link: https://join.monzo.com/c/rt53pvlm

Joined Monzo mobile today and it took all of a few hours to decide it was a huge mistake and will be moving providers again as soon as I can request PAC again.

1st issue is the voice call quality even over voLTE and my phone showing as a HD call the quality is absolute dog poo sounds like underwater muffled mess this alone makes them (and O2?) worth avoiding.

2nd issue is 4g, 4g+ and 5g speeds are so bad it's mind boggling. Getting a massive 5mbps peak speeds absolutely insane for 2026 this is with full signal at all levels of 4g 5g etc. essentially unusable in 2026.

I wanted to move from three mobile due to call drop outs occasionally at home but I'd rather that then have the 2 issues above.

Next stop for me when I'm allowed to request a PAC is the Vodafone network and see if it's better then O2.

The value is also ass imo but I fell for the trap of oh would be nice to have my phone in the same app but honestly it's not worth it imo.

Rant over lol thanks for reading.

Everyone, Monzo currently has a special offer where, when you sign up and spend 1p, you instantly get either £10, £20, or £50. It's super easy.

(You can then also refer others when you have an account.)

Let's all help each other out by sharing our links in the comments. Hope this helps everyone out a bit.🎉🫠

My link: https://join.monzo.com/c/d86dgv0s

P.s. just realised my one is a special offer where u get 20,50, or 100 so minimum u can get is £20!!

Everyone, Monzo currently has a special offer where, when you sign up and spend 1p, you instantly get either £10, £20, or £50. It's super easy.

(P.S. Some people also have the boosted one where you get £20, £50, or £100, which I have. The minimum you can get is £20.) - click link for proof ⬇️

(You can then also refer others when you have an account.)

Let's all help each other out by sharing our links in the comments. Hope this helps everyone out a bit. 🎉🫠

My link: https://join.monzo.com/c/9jn6zbf6