Debit card

Monzo Perks

Cash back

MASTERCARD

Apply for Monzo Perks

On Monzo's secure site

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Debit card Monzo Mastercard

Card review

Monzo Perks

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Everyday perks baked into your bank account

Fee: £7 GBP/mo (≈ $9)
Foreign fee: None
Rewards: Cash back

Rewards

All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots.

Our verdict

What stands out, and where it falls short.

What we like

All Extra-tier cashback and savings features, plus lifestyle perks:…
No foreign transaction fees

Worth weighing

£7 GBP/mo (≈ $9) card fee

Who It Is For

Whether the Monzo Perks 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 £7 GBP/mo (≈ $9) fee

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: £7 GBP/mo (≈ $9)
Foreign transaction fee: None
Monthly fee: £7
Overseas ATM allowance (non-EEA): £600/month fee-free, then 3%
Savings pot AER boost: +0.50% AER on instant-access pots

Rewards and features

Rewards: All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Lifestyle perks: Annual Railcard, weekly Greggs, monthly Vue cinema, Uber One trial

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fee on card purchases
Dual credit score tracking (Equifax & TransUnion)
Weekly Greggs voucher, monthly Vue cinema ticket, annual Railcard

Eligibility

What you need before you apply.

Minimum age: 18+

Monzo Perks: your questions answered

How much does the Monzo Perks cost?

The Monzo Perks costs £7 GBP/mo (≈ $9).

What rewards does the Monzo Perks earn?

The Monzo Perks earns All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots..

Does the Monzo Perks charge foreign transaction fees?

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

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

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

Does the Monzo Perks support Apple Pay and Google Pay?

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

Where can I get the Monzo Perks?

The Monzo Perks is currently offered in United Kingdom.

How does DebitCue rate the Monzo Perks?

DebitCue rates the Monzo Perks 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Monzo Perks?

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