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document.body.classList.add('dark-theme'); if (view === 'app') document.body.classList.add('webview--app'); </script><div id="__next"><header class="HeaderVariant_header__M43dc" data-experiment-reorder="true"><a class="HeaderVariant_skipToContent__gKtbS" href="#mainContent" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Skip to Content&url=#mainContent&currentUrl=/refer-a-friend">Skip to Content</a><div class="HeaderVariant_headerContainer__yB1yF"><div class="HeaderVariant_headerLogoContainer__k3fGL"><a class="Button_button__OFOdO Button_none__lgccr Button_center__lDq2_ HeaderVariant_logoLink___LBJB" data-monzoanalytics-no-tracking="true" role="link" target="_self" rel="" aria-label="Monzo Bank Homepage" tabindex="0" href="/"><span aria-hidden="true"><span class="Button_text__S2FJ_"><div class="HeaderVariant_logoImageContainer__HlZzw"><svg viewBox="0 0 112 21"><path fill="currentColor" d="M0 19.3V.7h4.958v2.493a5.505 5.505 0 0 1 5.063-2.84 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2.843-6.828Zm6.97 11.467a4.602 4.602 0 0 0 4.387-2.702 4.59 4.59 0 0 0-.879-5.073 4.598 4.598 0 0 0-5.04-1.073 4.598 4.598 0 0 0-2.871 4.276 4.488 4.488 0 0 0 4.403 4.572ZM74.926 19.3V15.42l7.663-9.91h-7.663V.699h13.835v4.4l-6.762 9.388h6.9v4.812H74.927Z"></path></svg></div></span></span></a></div><div class="HeaderVariant_headerNavigationContainer__1NPta"><nav aria-label="Main" data-orientation="vertical" dir="ltr" data-testid="" class="Navigation_navigation__MiBte" data-toplevel-id="" data-subitem-id=""><div aria-hidden="true" class="NavigationSEORenderer_navigationSEORenderer__udHb5" data-testid="seo-navigation-renderer"><ul><li data-testid="seo-navigation-renderer-top-level-item"><h2>Personal</h2><ul><li data-testid="seo-navigation-renderer-landmark"><h3>Current accounts</h3><p>It all starts with our personal current account</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/personal" data-monzoanalytics-no-tracking="true">Personal account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/joint-account" data-monzoanalytics-no-tracking="true">Joint account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/under-16s" data-monzoanalytics-no-tracking="true">Under 16s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/16-17" data-monzoanalytics-no-tracking="true">16-17s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account" data-monzoanalytics-no-tracking="true">See all current accounts</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Plans</h3><p>Upgrade your personal account from 拢3 a month</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/plans" data-monzoanalytics-no-tracking="true">Compare plans</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Why Monzo?</h3><p>Bank on an award-winning app</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/pots" data-monzoanalytics-no-tracking="true">Save with Pots</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/cashback" data-monzoanalytics-no-tracking="true">Earn cashback</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/travel" data-monzoanalytics-no-tracking="true">Travel without fees</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/monzo-split" data-monzoanalytics-no-tracking="true">Spend with friends</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/get-paid-early" data-monzoanalytics-no-tracking="true">Get paid early</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/security" data-monzoanalytics-no-tracking="true">Protect your money</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/see-your-mortgage" data-monzoanalytics-no-tracking="true">Connect your mortgage</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/refer-a-friend" data-monzoanalytics-no-tracking="true">Refer a friend</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Savings</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings">Saving with Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings/instant-access">Instant access savings</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Investments and pensions</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/investments">Investments</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/pensions">Pensions</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Credit cards and loans</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex">Flex Purchase credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex-build">Flex Build credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/loans">Loans</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/overdrafts">Overdrafts</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Insurance</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/contents-insurance">Contents Insurance</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Help and support</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help">Help centre</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/security">Security at Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/fraud">Staying safe from fraud</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/money-worries">Support with money worries</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switching to Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-plus">Plus help</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-premium">Premium help</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switch to Monzo</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h2>Business</h2><ul></ul></li></ul></div><div class="HeaderVariant_headerNavigationExtras__fnwGF"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ NavigationPrimaryCTA_navigationPrimaryCTA__4GFHH HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Sign up"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div><div style="position:relative"><ul data-orientation="vertical" class="NavigationTopLevelItems_navigationTopLevelItemsList__fJhlK" dir="ltr"><li class="NavigationTopLevelItems_navigationTopLevelItem__bhgjl NavigationTopLevelItems_isMobileVisible__J__pz"><button data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=navigation top level item&link_text=Open Personal navigation&link_location=header - Level 1&currentUrl=/refer-a-friend" id="radix-:Ra9b6:-trigger-personal" data-state="closed" aria-expanded="false" aria-controls="radix-:Ra9b6:-content-personal" class="NavigationTopLevelItems_navigationTopLevelItemTrigger__hezLF" aria-label="Open Personal navigation" data-radix-collection-item=""><div class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="personal-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.5 10.833c3.606 0 6.544 2.149 6.663 4.832l.003.168c0 .92-.746 1.667-1.666 1.667h-10c-.92 0-1.667-.746-1.667-1.667 0-2.761 2.985-5 6.667-5Zm0-8.333a3.333 3.333 0 1 1 0 6.667 3.333 3.333 0 0 1 0-6.667Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Personal</span><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg width="1em" height="1em" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M15.88 9.29006L12 13.1701L8.11998 9.29006C7.72998 8.90006 7.09998 8.90006 6.70998 9.29006C6.31998 9.68006 6.31998 10.3101 6.70998 10.7001L11.3 15.2901C11.69 15.6801 12.32 15.6801 12.71 15.2901L17.3 10.7001C17.69 10.3101 17.69 9.68006 17.3 9.29006C16.91 8.91006 16.27 8.90006 15.88 9.29006Z" fill="currentColor"></path></svg></div></div></button><div class="NavigationTopLevelItems_navigationTopLevelToggleContainer__ag2Yv" role="button" tabindex="0" aria-label="Toggle Personal navigation menu"><div class="MobileNavigationToggle_mobileNavigationToggle__4Z_F_ MobileNavigationToggle_onWhite__tdPhh"><div class="MobileNavigationToggle_mobileNavigationToggleContent__sUo9Z"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24"><path fill="currentColor" d="M4 18h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1Zm0-5h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1ZM3 7c0 .55.45 1 1 1h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1Z"></path></svg></div></div></div></li><li><a class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Business&link_location=header - Level 1&link_type=navigation&url=/business-banking&currentUrl=/refer-a-friend" href="/business-banking"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="business-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.834 1.667a2.5 2.5 0 0 1 2.495 2.353l.005.147V5h.833v12.5H5.834V5h.833v-.833A2.5 2.5 0 0 1 9.02 1.67l.147-.004h1.667ZM4.167 5v12.5h-.833c-.92 0-1.667-.746-1.667-1.667V6.667c0-.92.746-1.667 1.667-1.667h.833Zm11.667 0h.833c.92 0 1.667.746 1.667 1.667v9.166c0 .92-.747 1.667-1.667 1.667h-.833V5Zm-5-1.667H9.167a.834.834 0 0 0-.828.737l-.005.097V5h3.333v-.833a.833.833 0 0 0-.833-.834Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/2tWY3KmzfUz8Hm8BcsjuWE/c5cb3656ef5e1f68271b001fd58ff036/Hero_asset.png?w=2320&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/2tWY3KmzfUz8Hm8BcsjuWE/c5cb3656ef5e1f68271b001fd58ff036/Hero_asset.png?w=2320&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/2tWY3KmzfUz8Hm8BcsjuWE/c5cb3656ef5e1f68271b001fd58ff036/Hero_asset.png?w=2320&q=75" alt="Card in envelope with cash" width="1160" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_coral__VkIrk text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="refer-a-friend">Refer a Friend</h1><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Invite your friends to join Monzo and you'll both get 拢10.</p></div><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Share your link with everyone you'd like to invite and we'll give you and them 拢10 (as long as they sign up and make a card payment within 30 days).</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" tabindex="0" href="https://monzo.com/-deeplinks/invite"><span class="Button_text__S2FJ_">Refer friends</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"></div></div></div></div></div></div></div></section><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomnone__1i30t" data-testid="subtitle-section"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 paddingHorizontalAuto Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Subtitle_content__YW5SS spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_" id="how-to-refer-a-friend-to-monzo">How to refer a friend to Monzo</h2></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/3Eizvy2XQiQurJQ919VDXg/3c1660c6bfe7c4f4eed71dd90e18de95/emailmagiclink.emphasis.png?w=480&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/3Eizvy2XQiQurJQ919VDXg/3c1660c6bfe7c4f4eed71dd90e18de95/emailmagiclink.emphasis.png?w=480&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/3Eizvy2XQiQurJQ919VDXg/3c1660c6bfe7c4f4eed71dd90e18de95/emailmagiclink.emphasis.png?w=480&q=75" alt="Airplane with sparkles" width="480" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Step 1:</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Click the button above to get your unique refer a friend link. Share it with your friend.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/4XSOJO0w4Ty9nnZPiV6ehi/dd9a9a02b94c133e7ab139020536fa19/Spending_Categories.png?w=572&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/4XSOJO0w4Ty9nnZPiV6ehi/dd9a9a02b94c133e7ab139020536fa19/Spending_Categories.png?w=572&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/4XSOJO0w4Ty9nnZPiV6ehi/dd9a9a02b94c133e7ab139020536fa19/Spending_Categories.png?w=572&q=75" alt="List in orange and pink" width="572" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Step 2:</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Your friend accepts the invite and applies for a Monzo account (within 30 days).</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/32dZQDt2Y4nzjX0kaj9Pjh/a35646eb93e3816dc551daa15b96b757/Regular_Payments.png?w=572&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/32dZQDt2Y4nzjX0kaj9Pjh/a35646eb93e3816dc551daa15b96b757/Regular_Payments.png?w=572&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/32dZQDt2Y4nzjX0kaj9Pjh/a35646eb93e3816dc551daa15b96b757/Regular_Payments.png?w=572&q=75" alt="Postbox" width="572" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Step 3: </h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Your friend makes their first card payment (within 30 days). You both get 拢10.</p></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/566HgIxqus6rbanwMhkHsY/b502f7ba313a9d63148a00a103e85071/Why_join_Monzo-2x__2_.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/566HgIxqus6rbanwMhkHsY/b502f7ba313a9d63148a00a103e85071/Why_join_Monzo-2x__2_.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/566HgIxqus6rbanwMhkHsY/b502f7ba313a9d63148a00a103e85071/Why_join_Monzo-2x__2_.png?w=800&q=75" alt="Current account hero with card & UI" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="why-join-monzo">Why join Monzo?</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><strong>A UK current account:</strong> With savings, borrowing and overdrafts</li><li class=""><strong>Protection for your money:</strong> Your eligible deposits are protected by the FSCS up to a value of 拢85,000 per person</li><li class=""><strong>Fee-free overseas:</strong> Pay anywhere in any currency using your Monzo card, fee-free. We pass <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/ecb-rates"><span class="Button_text__S2FJ_">Mastercard鈥檚 exchange rate</span></a> directly onto you, without sneaky fees or extra charges.</li><li class=""><strong>Pots for separating money:</strong> Put money aside from your balance</li><li class=""><strong>24/7 support:</strong> Through the app, if you need it</li><li class=""><strong>Instant notifications:</strong> See when, where and how you spend</li><li class=""><strong>Apple Pay and Google Pay:</strong> Spend using your phone</li><li class=""><strong>Spending categories:</strong> Get a clear view of your spending</li></ul></div></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><img src="https://images.ctfassets.net/ro61k101ee59/7o32ZRD9IvmlZTAp6wQGMB/e9b06c20e98e70054dcd54436270d768/Share_your_invite.svg?w=800&q=75" alt="A paper airplane flying through flourishes and sparkles." width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="share-your-invite">Share your invite</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Share your link with everyone you'd like to invite and we'll give you and them 拢10 (as long as they sign up and make a card payment within 30 days).</p></div></div></div><div class="ButtonContainer_buttonContainer__CJDVB"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/-deeplinks/invite"><span class="Button_text__S2FJ_">Refer friends</span></a></div></div></div></div></div></div></div></section></div></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/refer-a-friend" href="/"><img class="Footer_logoImage__XvGRA" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/monzo-logo-on-dark.a1b99872.svg" alt="Monzo Bank"/></a></div><div class="Footer_links__y6OjA"><ul><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f 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class="Button_text__S2FJ_">Terms & Conditions</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fscs-information/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">FSCS information</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/privacy-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Privacy Notice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/cookie-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Cookie Notice</span></a></li><li><a class="Button_button__OFOdO 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