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up</span></a></div></div></div></div></menu></nav></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_forceDarkMode__UnZnw 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"><div class="LottieAnimation_LottieAnimation__tExOM undefined"></div></div></div></div><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw 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_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="earn-375-apy-on-your-savings-with-monzo">Earn 3.75% APY on your savings with Monzo</h1><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>No catch, no small print. Just instant access savings with a rate 8x better than the national average.*</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1bnihm89_1bm5qmtc&adj_redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Open a Monzo Account</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_legalText__DQPp3"><p>Banking services provided by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.</p></div></div></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_paleBlue__b1aal 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="LottieAnimation_LottieAnimation__tExOM undefined"></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="smart-tools-to-supercharge-your-savings">Smart tools to supercharge your savings</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You set a savings goal, and we'll help you get there. We'll work out what you need to contribute and set up automatic deposits.</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" href="https://we83.adj.st/home?adj_t=1bnihm89_1bm5qmtc&adj_redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up%2F&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Start saving</span></a></div></div></div></div></div></div></div></section></div><section class=" Section_section__mRxGN Section_forceDarkMode__UnZnw 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/ro61k101ee59/3dPKFElqxgFB85FwvVu0d3/4b0e379f00af7e9193b027386b2f4a6b/Plan__2_.png?w=2400&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/3dPKFElqxgFB85FwvVu0d3/4b0e379f00af7e9193b027386b2f4a6b/Plan__2_.png?w=2400&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/3dPKFElqxgFB85FwvVu0d3/4b0e379f00af7e9193b027386b2f4a6b/Plan__2_.png?w=2400&q=75" alt="" width="1290" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw 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_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="start-small-with-no-catch">Start small with no catch</h1><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>No fees, no minimum deposit, and you can withdraw your money instantly whenever you need it.</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1bnihm89_1bm5qmtc&adj_redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up%2F&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Start saving</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx 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="LottieAnimation_LottieAnimation__tExOM undefined"></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="the-security-of-a-fully-regulated-bank">The security of a fully regulated bank</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your money is FDIC-insured up to $250,000 across all of your accounts and held by a regulated bank.***</p></div></div></div></div></div></div></div></div></div></section></div><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h4 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-5 Title_left___R_Ga Title_marginBottom__TiQqA" id="and-since-we-dont-bury-the-footnotes">And since we don't bury the footnotes</h4><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>* What鈥檚 the national average interest rate?</strong></p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The national average interest rate for savings accounts is 0.42% as posted on FDIC.gov, as of December 16 2024.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>** How does FDIC insurance work?</strong> Your funds are held at Sutton Bank, Member FDIC. Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.fdic.gov/resources/deposit-insurance/diguidebankers/pass-through/index.html" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">here</span></a>.</p></div></div></div></div></div></div></div></div></section></div><div class="CTASection_cta__tFYme CTASection_aboveFooter__B_5Ct "><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_coral__27ckz Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalSmall__i62HY Block_paddingVerticalXxlarge__Ylzar Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE CTASection_ctaSectionBlock__8SQt9"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-3 Title_center__fqUI_ Title_marginBottom__TiQqA" id="join-over-10-million-people-on-monzo">Join over 10 million people on Monzo</h2><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>Download the Monzo app on iOS or Android and join more than 10 million people who've changed the way they bank.</p></div></div></div><div class="Row_Row__NBdhV Row_center__Jve6z"><a aria-label="Download on the App Store" href="https://we83.adj.st/home?adj_t=1bnihm89&adj_redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up&adj_engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__6VAjq undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1bm5qmtc?redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></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" 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src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1bm5qmtc?redirect=https%3A%2F%2Fmonzo.com%2Fus%2Fsign-up&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div><div class="Footer_social__8eyG7"><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://twitter.com/monzoUSA" rel="noopener noreferrer external" aria-label="Twitter"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr 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target="_blank" href="https://facebook.com/monzoUSA" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/facebook.94997288.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__JzD6V Footer_forceDarkMode__Oimpe"><div class="Footer_copyrightNotice__ZGhed"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Footer_termsContainer__qr7IS"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo鈥檚 Savings Jar Annual Percentage Yield (APY) is 3.75% as of January 8, 2025. The APY may change at any time.</small></p></div><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>This website is operated by Monzo Inc. Monzo reserves the right to restrict or revoke any and all offers at any time.</small></p></div><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo is a financial technology company, not a bank or FDIC-insured depository institution. Monzo accounts are subject to pass-through FDIC insurance up to $250,000 per ownership category, should Sutton Bank fail. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply which you can learn more about <a href="https://www.fdic.gov/resources/deposit-insurance/diguidebankers/pass-through/index.html" target="_blank" rel="noopener noreferrer" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=inline&link_location=Text inline&link_text=here&url=https://www.fdic.gov/resources/deposit-insurance/diguidebankers/pass-through/index.html&currentUrl=/us/savings">here</a>.</small></p></div><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>The Monzo mobile banking app facilitates access to banking and deposit services provided by Sutton Bank, Member FDIC. The Monzo Mastercard Debit Card is issued by Sutton Bank, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.</small></p></div><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>漏 2024 Monzo, Inc. All rights reserved.</small></p></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"anonID":"anon_7bd1b229-005f-4a2c-be1e-4ea310a3df7b","experimentsWithDefaults":[],"preview":false,"head":{"title":"Interest on Savings Jars | Monzo","locale":"en-US","rootUrl":"https://monzo.com","slug":"/us/savings","description":"Earn interest on your savings with Monzo. No catch instant access savings, with tools to help you reach your goals faster. 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