The five year number
Five years of Monzo comes to £180 on Extra, £420 on Perks or £1,020 on Max. Figures assume the current advertised prices held flat with no increases, and no benefit redemptions netted off. Verified 21 July 2026.
Year by year
| Time held | Monzo | Delphina |
|---|---|---|
| After 1 year | Monzo£0 on Free, £36 on Extra, £84 on Perks or £204 on Max | Delphina£119.88 |
| After 3 years | Monzo£108 on Extra, £252 on Perks or £612 on Max | Delphina£359.64 |
| After 5 years | Monzo£180 on Extra, £420 on Perks or £1,020 on Max | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume the current advertised prices held flat with no increases, and no benefit redemptions netted off.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Max has a three month minimum term, so the real smallest commitment is £51
- Hidden cost: Perks and Max only pay for themselves if you actually redeem the benefits every month
- Hidden cost: Max is priced from £17, so the figure you pay can be higher than the headline
Figures based on Monzo’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For day to day banking with genuinely good in-app spending tools, that is a fair price. A real UK current account with FSCS protection, which no planning tool can offer. One of the highest rated finance apps in the UK App Store, from an unusually large number of ratings.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Monzo pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Comparing Monzo with Delphina is partly apples to oranges. Monzo is your bank and it is a very good one, and we do not want to replace it. Delphina sits on top of whichever bank you use and answers the questions Monzo does not: whether your pension is on track, what your ISA allowance should be doing, and what UK tax will take. If you are happy with Monzo, keep it.
More on Monzo
Monzo: common questions
It is worth it for day to day banking with genuinely good in-app spending tools. It is a poor buy for anyone who needs it is a bank first, so there is no pension projection, no isa allowance modelling and no uk tax logic, because that is not what it is built to do.
3 things are not on the pricing page: max has a three month minimum term, so the real smallest commitment is £51; perks and max only pay for themselves if you actually redeem the benefits every month; max is priced from £17, so the figure you pay can be higher than the headline.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.