Debit card

Monzo Max

Cash back

MASTERCARD

Apply for Monzo Max

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Debit card Monzo Mastercard

Card review

Monzo Max

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

The fully loaded account with travel and phone cover

Fee: £17 GBP/mo (≈ $21)
Foreign fee: None
Rewards: Cash back

Rewards

All Perks-tier rewards plus: 3.25% AER on savings pots, Billsback (chance to have bills covered up to £150/month), and retailer cashback offers. Family insurance add-on available for £5/month.

Our verdict

What stands out, and where it falls short.

What we like

All Perks-tier rewards plus: 3.25% AER on savings pots,…
No foreign transaction fees
Travel insurance included

Worth weighing

£17 GBP/mo (≈ $21) card fee

Who It Is For

Whether the Monzo Max 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 £17 GBP/mo (≈ $21) fee

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: £17 GBP/mo (≈ $21)
Foreign transaction fee: None
Monthly fee: From £17 (family add-on +£5/month per person)
Overseas ATM allowance (non-EEA): £600/month fee-free, then 3%
Savings pot AER: 3.25% AER (variable)

Rewards and features

Rewards: All Perks-tier rewards plus: 3.25% AER on savings pots, Billsback (chance to have bills covered up to £150/month), and retailer cashback offers. Family insurance add-on available for £5/month.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Breakdown cover: UK & Europe RAC cover (personal, not vehicle-specific)

Benefits and perks

Extras that come bundled with the card.

Worldwide multi-trip travel insurance (Zurich)
Phone insurance up to £2,000 (Assurant)
No foreign transaction fee on card purchases
Dual credit score tracking (Equifax & TransUnion)
Weekly Greggs, monthly Vue cinema, annual Railcard, Uber One

Eligibility

What you need before you apply.

Age requirement: 18–69 (3-month minimum term)

Monzo Max: your questions answered

How much does the Monzo Max cost?

The Monzo Max costs £17 GBP/mo (≈ $21).

What rewards does the Monzo Max earn?

The Monzo Max earns All Perks-tier rewards plus: 3.25% AER on savings pots, Billsback (chance to have bills covered up to £150/month), and retailer cashback offers. Family insurance add-on available for £5/month..

Does the Monzo Max charge foreign transaction fees?

No - the Monzo Max has no foreign transaction fees, so it suits spending abroad.

Is the Monzo Max a credit, debit or prepaid card?

The Monzo Max is a debit card issued by Monzo on the Mastercard network.

Does the Monzo Max support Apple Pay and Google Pay?

Yes - the Monzo Max works with both Apple Pay and Google Pay.

Where can I get the Monzo Max?

The Monzo Max is currently offered in United Kingdom.

How does DebitCue rate the Monzo Max?

DebitCue rates the Monzo Max 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Monzo Max?

Use the Apply now button to continue on Monzo's secure site. Comparing and applying through DebitCue is free.