Using Plus, Premium, Extra, Perks or Max with your joint account

If you, and your partner have Plus, Premium, Extra, Perks or Max, you get fee-free cash withdrawals on your joint account.

If you have Extra, Perks or Max, you can also use custom categories, virtual cards, advanced roundups and auto-spreadsheet on your joint account.

With Plus, Premium, Perks & Max, you can earn:

The Select Access Savings Pot rate applies as long as you make 2 or fewer withdrawals per year, per Pot. If you make a 3rd withdrawal from that Pot, its rate will temporarily drop to 2.60% AER (variable) for free accounts, or 3.10% AER (variable) for Plus, Premium, Perks & Max. The lower rate applies until your Pot anniversary, when your withdrawal allowance resets.

Standard rates are 2.75% AER (variable) for Instant Access and 3.15% AER (variable) for Select Access, which Free and Extra users receive. We pay the interest on the 1st of the month.

With Monzo Max + Family you can get travel, phone and breakdown cover for you and your family. You can get more information on Extra, Perks and Max here.

Our plans are available from £3 a month • 18+ (18-69 for Max) • UK resident • Ts&Cs apply

You may see a different interest rate (that includes a bonus rate) in the app if you have switched an Easy Access Savings Pot or Cash ISA to an Instant Access pot or Instant Access Cash ISA recently. You can check the interest rate of your Savings Pots here in the app.