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Monzo Debit card
Monzo Extra
Cash back
MASTERCARD
Apply for Monzo Extra

On Monzo's secure site

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Debit card Monzo Mastercard

Card review

Monzo Extra

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

More tools to make your money work harder

Fee
£3 GBP/mo (≈ $4)
Foreign fee
None
Rewards
Cash back
Rewards
All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets.

Our verdict

What stands out, and where it falls short.

What we like

  • All free-tier retailer cashback offers plus 5% AER on…
  • No foreign transaction fees

Worth weighing

  • £3 GBP/mo (≈ $4) card fee

Who It Is For

Whether the Monzo Extra fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending

Skip it if you are

  • Light spenders who won't beat the £3 GBP/mo (≈ $4) fee

Rates and fees

As of

All amounts shown in GBP.

Card fee
£3 GBP/mo (≈ $4)
Foreign transaction fee
None
Monthly fee
£3
Overseas ATM allowance (non-EEA)
£200/month fee-free, then 3%

Rewards and features

Rewards
All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets.
Pay with
Apple Pay, Google Pay, Contactless, Virtual card
Virtual cards
Yes – multiple virtual Mastercard debit numbers
Connected accounts
View other bank/card balances inside Monzo

Benefits and perks

Extras that come bundled with the card.

  • No foreign transaction fee on card purchases
  • Dual credit score tracking (Equifax & TransUnion)

Eligibility

What you need before you apply.

Minimum age
18+

Monzo Extra: your questions answered

How much does the Monzo Extra cost?
The Monzo Extra costs £3 GBP/mo (≈ $4).
What rewards does the Monzo Extra earn?
The Monzo Extra earns All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets..
Does the Monzo Extra charge foreign transaction fees?
No - the Monzo Extra has no foreign transaction fees, so it suits spending abroad.
Is the Monzo Extra a credit, debit or prepaid card?
The Monzo Extra is a debit card issued by Monzo on the Mastercard network.
Does the Monzo Extra support Apple Pay and Google Pay?
Yes - the Monzo Extra works with both Apple Pay and Google Pay.
Where can I get the Monzo Extra?
The Monzo Extra is currently offered in United Kingdom.
How does DebitCue rate the Monzo Extra?
DebitCue rates the Monzo Extra 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Monzo Extra?
Use the Apply now button to continue on Monzo's secure site. Comparing and applying through DebitCue is free.

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