{"id":565422,"date":"2025-09-12T11:38:33","date_gmt":"2025-09-12T10:38:33","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=565422"},"modified":"2026-03-26T11:09:04","modified_gmt":"2026-03-26T11:09:04","slug":"monzo-max-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-max-review","title":{"rendered":"Monzo Max review: Is the account worth it?"},"content":{"rendered":"<h3>What is Monzo Max?<\/h3><p>Monzo Max is one of the paid-for bank accounts you can open with digital bank Monzo. <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a> has 4 accounts to choose from, and Max sits at the premium end of the scale.<\/p><p>Monzo Max offers everything you get with the Free, Extra and Perks accounts, but it also includes a range of insurance policies on top. However, this means the monthly fee is the most expensive out of the paid-for accounts Monzo offers. <\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"5Tz2TdBSrkA\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/5Tz2TdBSrkA\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/5Tz2TdBSrkA\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/5Tz2TdBSrkA\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:57<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-5Tz2TdBSrkA\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<div class=\"eeQuote box u-rounded--lg source-finder 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    <div class=\"eeQuote__heading\">Our expert says: Is a Monzo premium account worth it?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"If you\u2019re looking at the Monzo Extra account, \u00a33 a month might not sound much, but remember that it\u2019s still \u00a336 a year. And in return, all you\u2019ll get is slightly more advanced money management tools. A lot of this is already included with the free account, including spending notifications, budgeting tools and savings pots, so it\u2019s unlikely to be worth upgrading.<\/p><p>Monzo Perks, meanwhile, costs \u00a37 a month or \u00a384 a year. Whether this fee is worth paying will depend on how often you buy a snack or coffee at Greggs, how regularly you go to the cinema, and how often you travel on the train. If you do all of these frequently, it could work to your advantage. After all, a weekly regular cappuccino at Greggs will set you back more than \u00a39 a month, already more than covering the account fee. <\/p><p>However, be aware that if you\u2019re a frequent commuter, a monthly or annual season ticket could work out cheaper than using a Railcard. And if you\u2019re only using Monzo Perks for the Railcard, you\u2019ll save money by buying it separately \u2013 it costs \u00a335 a year.<\/p><p>Monzo Perks is definitely not worth it if you are only paying the extra to get access to a better savings rate or fee-free cash withdrawals. Although the interest rate on the account\u2019s savings pots is competitive, there are better deals on the market. And there are plenty of bank accounts that offer unlimited fee-free cash withdrawals both in the UK and overseas (such as Starling).<\/p><p>Monzo Max is the most expensive of the lot at \u00a317 a month, or \u00a3204 a year. Admittedly, you\u2019ll get worldwide travel insurance, worldwide phone insurance and UK and Europe breakdown cover for that. But my biggest bugbear is that if you want travel insurance for the whole family, you\u2019ve got to pay another \u00a35 a month \u2013 or a whopping \u00a3264 a year. By contrast, the Nationwide Flex Plus account gives you all of this for a lower fee of \u00a318 a month, or \u00a3216 a year.<\/p><p>You will still get the free Greggs weekly treat, monthly cinema ticket and the Railcard with Monzo Max, but again, these may be of limited value. <\/p><p>If you are tempted to apply for Max, it\u2019s worth working out how much it would cost you to buy each of the perks separately first \u2013 or think about applying for the Nationwide account instead. Also check insurance terms and conditions carefully as there will likely be exclusions \u2013 you\u2019ll only be covered up to the age of 69, for example. Keep in mind too, that you might already have cover elsewhere \u2013 perhaps your mobile phone is covered through your home insurance, for instance.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Rachel Wait's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/12\/RachelWaitF1_Supplied_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/rachelwait\" itemprop=\"url\" target=\"_blank\">\n                                Rachel Wait\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Writer<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>What are the benefits? <\/h3><p>As Monzo Max includes all the benefits of Monzo Perks, you can enjoy:<\/p><ul><li>An annual railcard, giving you a third off rail travel<\/li><li>A monthly cinema ticket at Vue<\/li><li>A weekly Greggs treat<\/li><li>An annual Uber One membership<\/li><li>A higher interest rate on your instant access savings<\/li><li>A higher fee-free withdrawal limit when you\u2019re abroad (\u00a3600 a month outside the EEA, unlimited in EEA and UK)<\/li><li>3 fee-free cash deposits<\/li><li>Discounted investment fees<\/li><li>Billsback (a chance to get your bills covered by Monzo, up to \u00a3150)<\/li><\/ul><p>In addition, Monzo Max comes with a range of insurance policies that you won\u2019t be able to get with any of its other plans. These policies only cover the account holder but you can add your family to these policies for a higher monthly fee.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Worldwide travel insurance<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Enjoy multi-trip travel insurance, including cover for cancellation, lost valuables, winter sports, car hire excess waiver and medical bills. Cover is provided by Zurich and there\u2019s a is a small excess charge.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Worldwide phone insurance<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">You\u2019ll have cover for your mobile phone and accessories for loss, theft and accidental damage. Cover is provided by Assurant and once again there\u2019s a small excess charge.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">UK and European breakdown cover<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Your account also comes with car breakdown cover, including home assistance, onward travel and vehicle recovery. It also covers you if you\u2019re the passenger. Cover is provided by RAC.<\/div>\n  <\/div>\n<\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 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<\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Is Monzo's Double Payday feature worth switching for? <\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Monzo has a new feature where each month, 10 lucky customers get double their salary (capped at a maximum of \u00a310,000). For example, if your take-home pay is \u00a32,000, Monzo will add an extra \u00a32,000 to your account. Sounds amazing, right? Let\u2019s see. This kind of perk is designed to encourage you to use Monzo as your main bank account. To qualify, you\u2019ll need to move your salary to Monzo, either by informing your employer or by using the Current Account Switch Service. But is it worth switching for? At the time of writing, Monzo has around 12.5 million current account customers in the UK, which means your odds of having your salary doubled are roughly 1 in 1.25 million. In other words, it shouldn\u2019t be the deciding factor. It\u2019s a fun bonus if you happen to be one of the lucky 10, but not a reason to switch on its own.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                            <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg width=\"19\" height=\"12\" viewbox=\"0 0 19 12\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M13.0023 0.332947H0.333008V5.99998C0.333008 9.12984 2.87019 11.667 6.00004 11.667C7.32857 11.667 8.55054 11.2075 9.51614 10.4384L9.55942 10.505C10.5117 11.2342 11.707 11.667 12.9989 11.667C16.1288 11.667 18.666 9.12984 18.666 5.99998C18.666 2.87013 16.1288 0.332947 12.9989 0.332947H13.0023Z\" fill=\"white\"><\/path>\n      <path d=\"M15.4225 2.71353C15.0196 2.71353 14.6434 2.8667 14.3137 3.12974C14.5834 3.33951 14.7632 3.66248 14.7632 4.03207C14.7632 4.6647 14.2505 5.17746 13.6178 5.17746C13.4813 5.17746 13.3548 5.15083 13.2316 5.10754C13.175 5.39056 13.145 5.69023 13.145 5.99988C13.145 7.81453 14.1639 9.28956 15.4225 9.28956C16.6811 9.28956 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                                        <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Can I open a joint Monzo account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Monzo does offer a joint bank account but you won\u2019t be able to open Monzo Max as one. The joint account is a separate account for those who want to manage household bills, and you\u2019ll both need a personal Monzo account to qualify.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Is Monzo a fully authorised bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, Monzo is authorised by the Prudential Regulation Authority (PRA) and is regulated by the Financial Conduct Authority (FCA). Your money is protected up to \u00a3120,000 under the Financial Services Compensation Scheme (FSCS).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What's the best Monzo account for me?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It all boils down to personal choice. You might be happy to have a straightforward, fuss-free bank account that charges no monthly fee, in which case the Monzo Free account is a good bet. <\/p><p>Alternatively, if you\u2019re happy to pay a monthly fee to enjoy additional account perks, consider which of Monzo\u2019s paid-for accounts comes with the benefits you\u2019re most likely to use.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Is the Monzo Max account worth applying for?<\/p>\n","protected":false},"author":1047,"featured_media":506721,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-565422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Monzo Max review: Is the account worth it? 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