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target="_self" href="/help/emergencies" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚨 Emergencies</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-extra" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🎉 Monzo Extra</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-perks" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍩 Monzo Perks</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-max" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Max</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p 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Mortgage in Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-getting-started" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💰 Payments: getting started</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-troubleshooting" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤔 Payments: troubleshooting</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-paying-monzobusiness" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Payments: Paying a Monzo Business</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN 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category_listItem__ulZvk" target="_self" href="/help/business-getpaid" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💸 Monzo Business: Get Paid</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-plus" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⭐️ Monzo Plus </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-premium" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Premium</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/your-needs" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>❤️ Helping us understand your needs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/web-logging-in-to-the-app" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📲 Logging in </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-flex" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤸🏽‍♀️ Monzo Flex</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/legal-stuff" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⚖️ The legal stuff</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/service-quality-results" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Service quality survey results</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/investments" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📈 Investments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions-transfers" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension Transfers</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/isas" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍯 ISAs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/book-of-money" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📖 The Book of Money</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/new-users-transactions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Transactions</li></span></a></ul></nav></aside></div></div><div class="category_navMenu__L48r_ Section_container__ToDDs Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingnone___L3Po Section_mobileOnly__BtjwW"><div class="Section_contentContainer__AM_ay"><nav><details class="Details_Details__sA5dY"><summary><div class="Text_text__yIi78 Text_secondary__cVHbg"><p>Help articles</p></div><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.down.svg" aria-hidden="true" alt="" loading="lazy"/></summary><ul class="category_listItems__1Ocu2"><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/opening-an-account" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚪 Opening a Monzo account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/app-help" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📱 App help and mobile payments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/1p-savings-challenge" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 1p Savings Challenge</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/Account Security" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🔒 Account Security</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/budgeting-overdrafts-savings" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📊 Pots, budgeting and saving</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/year-in-monzo-2024" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🎉 Year in Monzo 2024</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/cashback" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤑 Cashback</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/Monzo-Home-Insurance" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💼 Contents Insurance</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/overdrafts-loans" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🏦 Overdrafts and loans</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/emergencies" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚨 Emergencies</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-extra" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🎉 Monzo Extra</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-perks" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍩 Monzo Perks</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-max" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Max</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-card-pin" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💳 Monzo card and PIN </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/account-and-profile" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>👤 Monzo account and profile</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-for-under-16s" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🧒 Monzo for Under 16s</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/Mortgages in Monzo" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🏡 Mortgage in Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-getting-started" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💰 Payments: getting started</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-troubleshooting" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤔 Payments: troubleshooting</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/payments-paying-monzobusiness" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Payments: Paying a Monzo Business</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-fraud-category" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🕵️ Fraud and staying safe online</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-with-friends" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💑 Monzo with Friends</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/switching-to-monzo" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💯 Switching to Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/travelling" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>✈ Travelling with Monzo</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/joint-accounts" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>👭 Joint accounts</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-accounts-signup" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💼 Monzo Business: Opening an account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-accounts" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💼 Monzo Business: Make the most of your account</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/business-getpaid" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💸 Monzo Business: Get Paid</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-plus" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⭐️ Monzo Plus </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-premium" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🚀 Monzo Premium</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/your-needs" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>❤️ Helping us understand your needs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/web-logging-in-to-the-app" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📲 Logging in </li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/monzo-flex" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🤸🏽‍♀️ Monzo Flex</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/legal-stuff" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>⚖️ The legal stuff</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/service-quality-results" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Service quality survey results</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/investments" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📈 Investments</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/ monzo-pensions-transfers" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🌳 Monzo Pension Transfers</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/isas" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>🍯 ISAs</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/book-of-money" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>📖 The Book of Money</li></span></a><a class="Button_button__30ukX Button_fullWidth__L87a1 Button_none__xam_p Button_left__P5ZhN category_listItem__ulZvk" target="_self" href="/help/new-users-transactions" rel="noopener noreferrer external"><span class="Button_text__d9Ltb"><li>💬 Transactions</li></span></a></ul></details></nav><nav class="HelpBreadCrumbs_HelpBreadCrumbs__zizGx HelpBreadCrumbs_paddingleftmedium__mNzKd HelpBreadCrumbs_light__UL2Or"><a class="HelpBreadCrumbs_link__jG_t_" href="/help/"><strong>Help</strong></a><span>/</span><span class="HelpBreadCrumbs_link__jG_t_">Investments</span></nav></div></div><div class="category_subcategories__3Qbqq"><section class="Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingleftmedium__A7mNG Section_paddingrightmedium__VmJd5"><div class="Section_contentContainer__AM_ay"><h3 class="Title_title__SEYIO Title_primary__ztUzQ Title_small__rAnKV Title_left__yaXgz Title_addMargin___ly9N" id="investments">Investments</h3><ul class="HelpArticleList_articleList__8WTKM"><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/choosing-investment-type/"><span>Choosing between a stocks and shares ISA and a General Investment Account (GIA)</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/transfer-gia/"><span>Can I transfer a GIA? </span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-gia-and-isa/"><span>Can I have both a Cash ISA and a Stocks and Shares ISA?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-FSCS/"><span>Are Investments Pots protected? </span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investment-app-update/"><span>Why can't I see Investments Pots?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/where-to-get-investing-advice/"><span>Where can I get advice about my Investments?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-minimum/"><span>What is the minimum amount I can invest?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/What-is-stocks-and-shares-isa/"><span>What is a Stocks and Shares ISA? </span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/what-is-gia/"><span>What is a General Investment Account (GIA)</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-contract-note/"><span>What is a contract note?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investment-pot-fund-details/"><span>What do the Investment Pot funds invest in?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/partnerships-with-blackrock-and-fnz/"><span>We've partnered with FNZ and BlackRock to power Investments</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-or-savings/"><span>Should I save or invest?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-fees/"><span>Monzo Investment Fees</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investment-deposit-and-withdrawal-timeframes/"><span>How long does it take to deposit or withdraw from an investment Pot?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investments-sustainability/"><span>Are Investments Pots sustainably invested?</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/investment-pots-joint-account/"><span>Are Investment Pots available on Joint Accounts? </span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/pot-types/"><span>What’s the difference between a Regular Pot, a Savings Pot, and an Investment Pot? </span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/investments/open-close-investments/"><span>How to open an Investments Pot</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li></ul></div></section></div></div></div></div></main><div class="Footer_footerContainer__vcVmy Footer_forceDarkMode__38lE_"><footer class="Footer_Footer__mENWJ Footer_forceDarkMode__38lE_" role="menu"><div class="Footer_logo__By_cG"><a role="menuitem" href="/"><img class="Footer_logoImage__HW_kA" src="/images/brand/monzo-logo-on-dark.svg" alt="Monzo Bank"/></a></div><div class="Footer_links___OZQm"><ul><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D 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Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"title":"Investments","subtitle":"All you need to know about Investment Pots","categories":[{"webSlug":"opening-an-account","icon":"🚪","displayName":"Opening a Monzo account","id":"Opening a Monzo account"},{"webSlug":"app-help","icon":"📱","displayName":"App help and mobile payments","id":"need-help-card-app"},{"webSlug":"1p-savings-challenge","icon":"💬","displayName":"1p Savings Challenge","id":"1p Savings Challenge"},{"webSlug":"Account Security","icon":"🔒","displayName":"Account Security","id":"Account Security"},{"webSlug":"budgeting-overdrafts-savings","icon":"📊","displayName":"Pots, budgeting and saving","id":"overdrafts-and-savings"},{"webSlug":"year-in-monzo-2024","icon":"🎉","displayName":"Year in Monzo 2024","id":"Year in Monzo 2024"},{"webSlug":"cashback","icon":"🤑","displayName":"Cashback","id":"cashback"},{"webSlug":"Monzo-Home-Insurance","icon":"💼","displayName":"Contents Insurance","id":"Monzo-Home-Insurance"},{"webSlug":"overdrafts-loans","icon":"🏦","displayName":"Overdrafts and loans","id":"overdrafts_loans"},{"webSlug":"emergencies","icon":"🚨","displayName":"Emergencies","id":"emergencies"},{"webSlug":"monzo-extra","icon":"🎉","displayName":"Monzo Extra","id":"monzo-extra"},{"webSlug":"monzo-perks","icon":"🍩","displayName":"Monzo Perks","id":"monzo-perks"},{"webSlug":"monzo-max","icon":"🚀","displayName":"Monzo Max","id":"monzo-max"},{"webSlug":"monzo-card-pin","icon":"💳","displayName":"Monzo card and PIN ","id":"my-monzo-card-pin"},{"webSlug":"account-and-profile","icon":"👤","displayName":"Monzo account and profile","id":"monzo-account-and-profile"},{"webSlug":"monzo-for-under-16s","icon":"🧒","displayName":"Monzo for Under 16s","id":"monzo-for-under-16s"},{"webSlug":"Mortgages in Monzo","icon":"🏡","displayName":"Mortgage in Monzo","id":"Mortgage in Monzo"},{"webSlug":"payments-getting-started","icon":"💰","displayName":"Payments: getting started","id":"payments-getting-started"},{"webSlug":"payments-troubleshooting","icon":"🤔","displayName":"Payments: troubleshooting","id":"payments-troubleshooting"},{"webSlug":"payments-paying-monzobusiness","icon":"💬","displayName":"Payments: Paying a Monzo Business","id":"payments-paying-monzobusiness"},{"webSlug":"monzo-fraud-category","icon":"🕵️","displayName":"Fraud and staying safe online","id":"fraud-category"},{"webSlug":"monzo-with-friends","icon":"💑","displayName":"Monzo with Friends","id":"monzo-with-friends"},{"webSlug":"switching-to-monzo","icon":"💯","displayName":"Switching to Monzo","id":"switch-to-monzo"},{"webSlug":"travelling","icon":"✈","displayName":"Travelling with Monzo","id":"travelling-with-monzo"},{"webSlug":"joint-accounts","icon":"👭","displayName":"Joint accounts","id":"joint-accounts"},{"webSlug":"business-accounts-signup","icon":"💼","displayName":"Monzo Business: Opening an account","id":"business-accounts-signup"},{"webSlug":"business-accounts","icon":"💼","displayName":"Monzo Business: Make the most of your account","id":"business-accounts"},{"webSlug":"business-getpaid","icon":"💸","displayName":"Monzo Business: Get Paid","id":"business-getpaid"},{"webSlug":"monzo-plus","icon":"⭐️","displayName":"Monzo Plus ","id":"monzo-plus"},{"webSlug":"monzo-premium","icon":"🚀","displayName":"Monzo Premium","id":"monzo-premium"},{"webSlug":"your-needs","icon":"❤️","displayName":"Helping us understand your needs","id":"your-needs"},{"webSlug":"web-logging-in-to-the-app","icon":"📲","displayName":"Logging in ","id":"Logging-in-to-the-app"},{"webSlug":"monzo-flex","icon":"🤸🏽‍♀️","displayName":"Monzo Flex","id":"Monzo Flex"},{"webSlug":"legal-stuff","icon":"⚖️","displayName":"The legal stuff","id":"legal-stuff"},{"webSlug":" monzo-pensions","icon":"🌳","displayName":"Monzo Pension","id":"monzo-pensions"},{"webSlug":"service-quality-results","icon":"💬","displayName":"Service quality survey results","id":"service-quality-results"},{"webSlug":"investments","icon":"📈","displayName":"Investments","id":"investments"},{"webSlug":" monzo-pensions-transfers","icon":"🌳","displayName":"Monzo Pension Transfers","id":"monzo-pension-transfers"},{"webSlug":"isas","icon":"🍯","displayName":"ISAs","id":"ISAs"},{"webSlug":"book-of-money","icon":"📖","displayName":"The Book of Money","id":"book-of-money"},{"webSlug":"new-users-transactions","icon":"💬","displayName":"Transactions","id":"new-users-transactions"}],"subCategories":[{"fields":{"displayName":"Investments","id":"investments","countryCodes":["GBR"],"availableInLocale":true,"items":[{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"choosing-investment-type","countryCodes":["GBR"],"availableInLocale":true,"question":"Choosing between a stocks and shares ISA and a General Investment Account (GIA)","answer":"When you open an Investment Pot you can choose to open a Stocks and Shares ISA or a General Investment Account (GIA). We can’t tell you which one is best for you, but you can find more information about each type of account below. \n\n__Stocks and Shares ISA__\nA Stocks \u0026 Shares ISA is one of four types of Individual Savings Accounts (ISAs) currently available in the UK.\n\nYou can put up to £20,000 in ISAs each tax year — either adding this to one ISA (depending on its limit) or spreading it across a few different types. \n\nWith our Stocks \u0026 Shares ISA, you invest in different BlackRock funds, and your money then ends up in a mix of different types of investments (for example; shares in companies, bonds issued by companies and governments, real estate and cash).\n\nYou don't pay income or capital gains tax on any returns you make.\n\n__General Investing Account (GIA)__\nA General Investment Account is an account that allows you to invest your money instead of saving it as cash. You may need to pay tax on any income or gains you make. \n\nYou can read more about paying capital gains tax on Investment earnings on the [Government website](https://www.gov.uk/capital-gains-tax/allowances) \n\nThere’s no limit on how much you can invest in a General Investment Account per year. \n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"choosing-investment-type","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"transfer-gia","countryCodes":["GBR"],"availableInLocale":true,"question":"Can I transfer a GIA? ","answer":"Currently we do not allow for transfers of general investment accounts (GIAs) to or from Monzo. If you want to move your general investment account, you’ll need to sell down the investments to cash and reinvest them either with Monzo or elsewhere. \n\nWhen selling investments in a GIA, depending on your circumstances, you may need to pay tax on any returns you’ve made. \n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"transfer-gia","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-gia-and-isa","countryCodes":["GBR"],"availableInLocale":true,"question":"Can I have both a Cash ISA and a Stocks and Shares ISA?","answer":"It's possible to pay into a Cash ISA and a Stocks and Shares ISA in the same tax year. However, make sure your total contributions don't go over your annual allowance of £20,000.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"investments-gia-and-isa","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-FSCS","countryCodes":["GBR"],"availableInLocale":true,"question":"Are Investments Pots protected? ","answer":"Yes, the total amount of all of your Investment Pots are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. \n\n__Amounts in your Investment Pot don't count towards the FSCS limit for bank deposits with Monzo__ - you can find more information about FSCS protection on [our website](https://monzo.com/legal/fscs-information/)\n\nFSCS protection doesn’t cover losses incurred through investment performance or if you get back less than you originally invested.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"investments-FSCS","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investment-app-update","countryCodes":["GBR"],"availableInLocale":true,"question":"Why can't I see Investments Pots?","answer":"To see Monzo Investments you’ll need to update your app to the latest version. \n\nYou can do this via the Google Play store on Android, or the App Store on iOS. When your Monzo app is up to date with the latest version, you can be sure you’re getting the best app experience on offer \n\nYou can [read more about app upgrades on our Blog](https://monzo.com/blog/2022/01/28/keep-your-phone-and-monzo-app-up-to-date) ","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"investment-app-update","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"where-to-get-investing-advice","countryCodes":["GBR"],"availableInLocale":true,"question":"Where can I get advice about my Investments?","answer":"We’re not able to offer any financial advice on your Investments. \n\nThis isn’t financial advice. If you’d like some on tax, investments or retirement, it’s best to speak to a financial adviser. ","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"where-to-get-investing-advice","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-minimum","countryCodes":["GBR"],"availableInLocale":true,"question":"What is the minimum amount I can invest?","answer":"You can start from as little as £1. You’re in charge, so you can make one off payments as and when you would like. Or set up regular investing so you’re adding your Investment Pot automatically.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investments-minimum","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"What-is-stocks-and-shares-isa","countryCodes":["GBR"],"availableInLocale":true,"question":"What is a Stocks and Shares ISA? ","answer":"A Stocks \u0026 Shares ISA is one of four types of Individual Savings Accounts (ISAs) currently available in the UK.\n\nYou can put up to £20,000 into ISAs each tax year — either adding this to one ISA (depending on its limit) or spreading it across a few different types. \n\nWith our Stocks \u0026 Shares ISA, you invest in different BlackRock funds, and your money then ends up in a mix of different types of investments (for example; shares in companies, bonds issued by companies and governments, real estate and cash).\n\nYou don't pay income or capital gains tax on any returns you make.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"What-is-stocks-and-shares-isa","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"what-is-gia","countryCodes":["GBR"],"availableInLocale":true,"question":"What is a General Investment Account (GIA)","answer":"A General Investment Account is an account that allows you to invest your money instead of saving it as cash. You might need to pay tax on any income or gains you make. \n\nYou can read more about paying capital gains tax on investment returns on the [Government website](https://www.gov.uk/capital-gains-tax/allowances) \n\nThere’s no limit on how much you can invest in a General Investment Account per year.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"what-is-gia","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-contract-note","countryCodes":["GBR"],"availableInLocale":true,"question":"What is a contract note?","answer":"After you’ve made a successful buy or sell order, we’ll always provide you with a contract note. For your first order, we’ll also send you an in-app message to let you know it’s available.\n\nA contract note confirms that your order has been successful, how much you’ve invested or sold, and at what price.\n\nYou can find this by tapping into an order item in the Investment Pot feed.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investments-contract-note","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investment-pot-fund-details","countryCodes":["GBR"],"availableInLocale":true,"question":"What do the Investment Pot funds invest in?","answer":"We currently offer a choice of 3 different fund options to invest in. Each fund carries a different level of risk and is exposed to a mix of shares, bonds, and other investments.\n\nYou can see more detail about what the funds are invested in at the moment on the BlackRock website:\n\n- [Careful](https://www.blackrock.com/uk/individual/products/326252/)\n- [Balanced](https://www.blackrock.com/uk/individual/products/308820/) \n- [Adventurous](https://www.blackrock.com/uk/individual/products/326255/) \n\nIf you’d like to see more details about what each fund can invest in , see the Key Investor Information Document for each fund. You can find this after you’ve selected a fund type by scrolling down and tapping on “Key Investor Information”. \n\nYou can also read the Key Investor Information Documents for all three of our funds below: \n- [Careful](https://monzo.com/legal/files/investments/kiids/blk-mymap-3-select-esg-s-acc-gbp.pdf)\n- [Balanced](https://monzo.com/legal/files/investments/kiids/blk-mymap-5-select-esg-s-acc-gbp.pdf)\n- [Adventurous](https://monzo.com/legal/files/investments/kiids/blk-mymap-7-select-esg-s-acc-gbp.pdf)\n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investment-pot-fund-details","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"partnerships-with-blackrock-and-fnz","countryCodes":["GBR"],"availableInLocale":true,"question":"We've partnered with FNZ and BlackRock to power Investments","answer":"__BlackRock__\n\nBlackRock helps millions of people build savings by offering ready-made funds and making investing more affordable. They aim to grow the value of the funds to give investors a return on their money. They've built the 3 funds we offer. Each one has a different level of risk and potential return, depending on your goals.\n\n__FNZ__\n\nFNZ combines technology, infrastructure and investment operations to support investment firms in providing services to their customers. They provide custody of Monzo customers’ investments and cash (keeping them safe, and keeping all of the records for them up to date - custody is sometimes called safekeeping and administration), and act as the ISA manager for Monzo customers with Stocks and Shares ISAs.\n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"partnerships-with-blackrock-and-fnz","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-or-savings","countryCodes":["GBR"],"availableInLocale":true,"question":"Should I save or invest?","answer":"Both saving and investing can help you reach your financial goals and help your money work harder for you.\n\nWhilst we cannot give financial advice on what is best for you, savings are usually used for short-term needs (under 5 years). You usually save up for something specific, like a holiday, any unforeseen emergencies or a house deposit. Investments, on the other hand, are usually considered for medium-long term goals, commonly between 5-15 years.","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investments-or-savings","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-fees","countryCodes":["GBR"],"availableInLocale":true,"question":"Monzo Investment Fees","answer":"For Investment Pots, you’ll pay __two__ fees. \n\nThe amount of the charges depend on how much is in your Investment Pot. We charge you 0.45% for investing through us (or 0.35% if you’re a Plus, Premium, Perks or Max customer) and BlackRock charges a fee of 0.14% — they'll take that from your fund so you won't see it come off your account. \n\nThere are no charges for withdrawals, so you can withdraw money for free, whenever you want.\n\nYou can read more about the fees for Investments in the [fees document](https://monzo.com/legal/investments/fees)","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investments-fees","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investment-deposit-and-withdrawal-timeframes","countryCodes":["GBR"],"availableInLocale":true,"question":"How long does it take to deposit or withdraw from an investment Pot?","answer":"__Investments__\n\nMoney deposited into an Investment Pot can take up to 7 days to be fully invested in the fund. You'll receive your contract note once the investment has settled. \n\n__Withdrawals__ \n\nWithdrawing from Investments Pots can take up to 7 working days, although it’s usually completed in 4 to 7 days. Unfortunately we can’t speed this up. \n\nThis also applies if you withdraw money on a Friday, over the weekend and the day before or on a bank holiday. \n\nIt takes a little longer to move into your account because the money’s held with the provider you signed up with. \n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"investment-deposit-and-withdrawal-timeframes","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investments-sustainability","countryCodes":["GBR"],"availableInLocale":true,"question":"Are Investments Pots sustainably invested?","answer":"‘Sustainable investments’ are investment approaches that consider environmental, social, governance and other sustainability factors (sometimes called ESG funds) to varying degrees.\n\nThe funds we offer are not explicitly ESG funds, but they aim to invest your money in things that are 30% less carbon intensive (that’s the amount of carbon a company produces relative to its sales). This is compared to similar funds which don't consider carbon emissions when investing.\n\nThe funds also aim to invest: \n- at least 80% of the money which they allocate to government bonds into other funds with exposure to bonds issued by countries that have 'improved ESG Credentials' meaning a Moody's ESG rating of BB or above.\n- at least 80% of the money which is invested in things other than government bonds into other investment funds which apply ESG related criteria to their investments (e.g. by tracking an index which filters out investments that don’t meet certain standards).\n\nThe Adventurous fund allocates no, or very little, money towards government bonds (but this could change in future). \n\nIf you want to learn more about what the funds invest in, including how carbon intensity is measured, and how much the funds are invested in different kinds of businesses, see the sections headed ‘Sustainability Characteristics’ and ‘Business Involvement’ for each fund on the BlackRock website: \n- [Careful](https://www.blackrock.com/uk/individual/products/326252/)\n- [Balanced](https://www.blackrock.com/uk/individual/products/308820/)\n- [Adventurous](https://www.blackrock.com/uk/individual/products/326255/)\n\nYou can also find the funds’ prospectuses on those pages, which provide lots more detail about how they approach issues like sustainability. ","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investments-sustainability","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"investment-pots-joint-account","countryCodes":["GBR"],"availableInLocale":true,"question":"Are Investment Pots available on Joint Accounts? ","answer":"Investment Pots are currently only available on Monzo personal accounts. ","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"22QAFYYwKvuDXykjVCyLlV","type":"Entry","createdAt":"2023-09-04T15:28:35.280Z","updatedAt":"2023-09-04T15:28:35.280Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Is eligible for Investments","ruleId":"investments.eligible"}}],"webSlug":"investment-pots-joint-account","excludeFromOutsourcing":true,"copLabel":"investments","product":"personal-banking/wealth/investments","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"pot-types","countryCodes":["GBR"],"availableInLocale":true,"question":"What’s the difference between a Regular Pot, a Savings Pot, and an Investment Pot? ","answer":"At Monzo, we offer many different types of savings and investing products to suit your needs: Pots, Savings Pots, and Investment Pots. \n\n__Regular Pots__\n\nRegular Pots are separate areas of your account where you can store money. Pots are great for helping you stay on budget. Regular Pots don’t earn any interest and you can withdraw from them whenever you’d like, instantly. \n\n__Instant Access Savings Pots__\n\nProvided by Monzo, Instant Access Savings Pots are designed to give you the flexibility to grow your savings with interest but still be able to access your money when you need it. \n\nInterest earned may be subject to income tax depending on your personal circumstances. \n\n__Easy Access Savings Pots__\n\nEasy Access Savings Pots are no longer available to open, but if you already have one you can continue to use it normally. The money you deposit into a Savings Pot is held with the provider that you choose, and withdrawals take one working day. \n\nInterest earned may be subject to income tax depending on your personal circumstances. \n\n__Easy Access Cash ISA__\n\nEasy Access Cash ISAs are no longer available to open, but if you already have one you can continue to use it normally. The money you deposit into a Savings Pot is held with the provider that you choose, and withdrawals take one working day. You can pay in up to £20,000 across all your ISAs each tax year and all interest paid is tax free. \n\n__Instant Access Cash ISA:__ \n\nYou can build up funds over time in your ISA and all interest paid is tax free. You can pay in up to £20,000 across all your ISAs each tax year. [Tap here to learn more about ISAs!](https://www.gov.uk/individual-savings-accounts). \n\n__Fixed Term Savings Pots__\n\nFixed Term Savings Pots are no longer available, but if you already have one it will stay open until the maturity date. On the maturity date, your Fixed Term Savings Pot will close and the money will be returned to your current account along with all the interest you’ve earned by 5pm the next working day. \n\nInterest earned may be subject to income tax depending on your personal circumstances. \n\n__Investment Pots__\n\nInvestments are designed to help you to save for your future, long term. The money you add to an Investment Pot is invested in a fund managed by BlackRock (they’re the fund manager). \n\nIt’s important to know that unlike Savings Pots, the value of investments can go up and down so it’s possible that you could get back less than you invest. The longer you invest, the more time your money has to try and grow. But you can withdraw from your Investment Pot whenever you’d like. Withdrawals from Investment Pots can take up to 7 days (although it’s usually completed in 4 to 7 days). \n\nWith us, you can invest through both:\nStocks and Shares ISAs\nGeneral Investment Accounts\n\nWith a Stocks and Shares ISA you can invest up to £20,000 per tax year and you don’t need to pay capital gains or income tax on your returns. You can now pay into more than one ISA of each type per tax year (excluding lifetime ISAs), so long as you don't exceed the total annual allowance of £20,000, which is split across all ISAs per tax year. [Learn more about ISAs](https://www.gov.uk/individual-savings-accounts)\n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"5zXtE40ut4pmk2nSGqp2CO","type":"Entry","createdAt":"2025-02-19T09:02:56.763Z","updatedAt":"2025-02-19T09:02:56.763Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Has open marketplace easy access savings pots","ruleId":"marketplace_pots.has_open_flexible_savings_pots"}}],"webSlug":"pot-types","excludeFromOutsourcing":true,"copLabel":"savings","product":"personal-banking/wealth/savings","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"how-to-open-an-investment","countryCodes":["GBR"],"availableInLocale":true,"question":"How to open an Investments Pot","answer":"__Opening an Investment Pot__\n\nYou can open an Investments Pot simply by tapping “Start Investing”. If you’ve already opened one type of investment Pot and you’d like to open another, you can do this by tapping into “Savings and Investments” from the home tab, and selecting the three dots next to “Investment Pots”. 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