What Monzo costs
Monzo charges £3 per month, rising to From £17 per month on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Free | Price£0per month | Included
| Not included
|
| Extra | Price£3per month | Included
| Not included
|
| Perks | Price£7per month | Included
| Not included
|
| Max | PriceFrom £17per month | Included
| Not included
|
- Free tier: yes. The free tier is a permanent full current account rather than a trial, and covers what most people need from a bank.
Prices taken from Monzo’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Free at £0 per month is the tier that covers uk current account with fscs protection up to £120,000.
- Extra at £3 per month is the tier that covers everything in free.
- Perks at £7 per month is the tier that covers everything in extra.
- Max at From £17 per month is the tier that covers everything in perks.
Monzo suits day to day banking with genuinely good in-app spending tools, so that is the lens to pick a tier through.
What the price does not cover
- The free tier is a permanent full current account rather than a trial, and covers what most people need from a bank.
- Connected banks and credit cards
- Virtual cards and custom categories
- Pension, ISA and retirement modelling
- Higher savings rates and withdrawal limits
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Monzo.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Monzo costs £3 per month. Prices were checked on 21 July 2026.
Yes. The free tier is a permanent full current account rather than a trial, and covers what most people need from a bank. The paid tiers add the features listed above.
The decision-relevant difference is that Extra adds everything in free. Free covers uk current account with fscs protection up to £120,000.
There are cheaper tools in the banking category, though most trade away something Monzo does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Monzo does for day to day banking with genuinely good in-app spending tools.