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Reply-To: <email-marketing@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: Invest in what matters to you
Date: Tue, 28 Jul 2026 18:37:12 +0100
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Choose funds that match your goals and values.
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͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
͏ ͏ ͏ ͏
<https://clicks.monzo.com/f/a/lUVUH_DVyliftL_AspSsOg~~/AAAHahA~/wXrvzHJ8m5ShaFxmKC6C2rdXAKsYmNM78MQNDLltmGiQXWOH21jUZpH-y0jPY7gm-5p-NqSEJfq71BWTUjmLmGIyN-WbaEJO4iVoWt63tII~>
<https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbRymnlL7LfyIgY8-5S5g43nn0MSW-N6H8bu0ZHr2qMc0f_VE7EtGYBRJO6NSHCILbcuPT3mTORys2oeEQ9MwuY28KIk_VfiRBtVl00r--yMF6TvwlD36amKcqWTGJ94lGQROubPTQwe9YJ82vrwIZdRNcz0Kw~~>
Invest in what matters to you
With Monzo Investments, you can pick from ready-made funds or build your own
portfolio around themes like clean energy or healthcare innovation.
Invest in the change you want to see - all from the app.
The value of your investment can go up and down and you could get back less
than you put in.
Get started
<https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbRymnlL7LfyIgY8-5S5g43nn0MSW-N6H8bu0ZHr2qMc0f_VE7EtGYBRJO6NSHCILbcuPT3mTORys2oeEQ9MwuY28KIk_VfiRBtVl00r--yMF6TvwlD36amKcqWTGJ94lGQROubPTQwe9YJ82vrwIZdRNcz0Kw~~>
Ts&Cs and fees apply.
Saving vs investing
Explore how saving and investing differ – and how your returns could change
over time. Remember, an investment’s past performance doesn’t show how it’ll
perform in the future.
<https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp>
Same money, greater returns
Let’s say you saved £50 per month between December 2000 and April 2026 in a
saving account, you'd have £19,570. Invested that same amount? You could’ve
had £39,105.
The impact of interest rates
When interest rates fall, savings rates usually do too. Even though
investment values do go up and down, markets you can invest in have
generally risen over time.
<https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp>
<https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp>
Investment growth can beat inflation over time
Savings interest rates don't always keep up with inflation. But
historically, the value of certain investments has risen more than
inflation.
Starting with savings is smart
Before investing, consider building a savings safety net first. That’s
because you should aim to keep money invested for at least 5 years to
improve your chances of getting the return you want.
<https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp>
The value of your investments could go up or down and you could get back
less than you put in.
Learn more
<https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp>
Sources:
Savings data: Illustrative savings rate based on a 0.25% discount to the
average Bank of England base rate for December 2000 to April 2026.
Investments data: Investments return based on average annual return of MSCI
All Country World Index for December 2000 to April 2026. MSCI terms of use:
www.msci.com/notice-and-disclaimer
Inflation data: Average inflation (from Consumer Price Index) for December
2000 to April 2026.
We're an authorised and
regulated bank
<https://clicks.monzo.com/f/a/XXG_gfWuOacQDvr5CnIjNA~~/AAAHahA~/qaJIOFRB3AAXap52SbvQjgiTua1G1426EPJNolIlM-Zx4uTetqzgAoaODeYXeFt5QTz935TTpxCR9yyOAItawKtwrA7a3VYHONxIxdY-8VWlMrHZj2zSfUCXetH4AfD->
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<https://clicks.monzo.com/f/a/muhinl3odHJRYdoBRbTl3Q~~/AAAHahA~/7U7ml0Y_vkeAUHfcBE5kTjNyMQO5xhMTIqFxxwDOkXGTNcb6ZYFQ0QoiUa_mqSLnay2ZfthZ28LYRaPABuUyTk58lc6ZV0HPJ9D7KSUUfd5b8UTxxdOw-TgiVTRCyBIlrvzuX9HRSTqo94uTVclrtg~~>
<https://clicks.monzo.com/f/a/gw_xszY3ngBYBFjAWoWJBA~~/AAAHahA~/cpJaPwycHXEhzrYuzaS1rtS7GAVNNZsL7Zj3MPfIbn9MnWFv2MYTBiMhu9H-qcFH_yAFgzqw5D4xtlD2MqlSKqt9TjbYEmpAE4lwxNM3Oeo~>
The value of your investments could go up or down and you could get back
less than you put in.
Don’t want to hear from us again?
You can unsubscribe at any time. No hard feelings.
Monzo Bank Limited is a company registered in England and Wales
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 730427.
<https://clicks.monzo.com/f/a/Di4edh-hB9E0HOVnqz79_A~~/AAAHahA~/J9AGM6XJzv-mWB19LR2rhHngfboJPxnPJQErVwbcfWQ57aTQA6y7UVhsYhPszxNbtDpLaDgw_6rbpsOaw0ObHAivbgABqxwks9WBQKJUmR8RrD7Nzb1n9IpvlUoY2lGTzXtkTOWtLwH93ObRKAbrRg~~>
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<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
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style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
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e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=0A=
=0A=
=0A=
Choose funds that match your goals and values.=0A=
</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">=CD=
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display:block;width:510px;" width=3D"510" alt=3D"A Person standing in a =
lush green environment with trees in the background, holding a large =
cabbage in front of their chest and a phone in their hand with a Monzo =
card in the case.">=0A=
</a>=0A=
</td>=0A=
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<!-- Image End -->=0A=
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<tr>=0A=
<td class=3D"Font2 =
ptb-25" align=3D"left" style=3D"padding:20px 0px 10px 0px;">=0A=
<h1 class=3D"h1 =
darkmodeFont2" style=3D"margin:0;padding:0;font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:46px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;">=0A=
Invest in =
what matters to you=0A=
</h1>=0A=
</td>=0A=
</tr>=0A=
<!-- Title End -->=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Header End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" =
align=3D"left" style=3D"padding:0px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:10px 0px 30px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
With Monzo Investments, =
you can pick from ready-made funds or build your own portfolio around =
themes like clean energy or healthcare innovation.<br><br>Invest in the =
change you want to see - all from the app.<br><br>The value of your =
investment can go up and down and you could get back less than you put =
in.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
<!-- CTA Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pb-25 darkmode2" =
align=3D"left" style=3D"padding:0px 20px 30px 45px;background-color: =
#F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"280" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:280px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"left">=0A=
<table width=3D"100%" =
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<td align=3D"left">=0A=
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<!--[if mso]>=0A=
=
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk_MlA~~/AAAHahA~/DV=
RgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbRymnlL7LfyIgY8-5S=
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<w:anchorlock/>=0A=
=
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=
<![endif]-->=0A=
<a =
class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk_MlA~~/AAAHahA~/DV=
RgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbRymnlL7LfyIgY8-5S=
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sans-serif;font-weight:600;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Get =
started</a>=0A=
<!--[if mso]>=0A=
=
</center>=0A=
=
</v:roundrect>=0A=
=
<![endif]-->=0A=
</div>=0A=
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</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" =
align=3D"left" style=3D"padding:0px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:10px 0px 30px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
Ts&Cs and fees apply.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
<!-- Module 1 Hero End -->=0A=
=0A=
=0A=
=0A=
=0A=
=0A=
<!-- Module 1 Body Fifty Fifty Stacked Start -->=0A=
<!-- Row 1 Start -->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth =
darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Title Copy Start -->=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:25px =
20px 30px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"550" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:550px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"h2 darkmodeFont2" =
align=3D"center" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:32px;line-height:40px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:center;padding:0px 0px 0px =
0px;">=0A=
Saving vs investing=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Title Copy End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" =
align=3D"center" style=3D"padding:0px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:0px 0px 30px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:center;">=0A=
Explore how saving and =
investing differ =E2=80=93 and how your returns could change over time. =
Remember, an investment=E2=80=99s past performance doesn=E2=80=99t show =
how it=E2=80=99ll perform in the future.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
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<tr>=0A=
<td class=3D"pl-25 pr-25" align=3D"center" =
style=3D"padding:0px 48px 0px 49px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmode" =
align=3D"center" bgcolor=3D"#ffffff" =
style=3D"padding-top:30px;padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
bgcolor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"503" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:503px;" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"25">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;w" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"fullWidth mobile" align=3D"center" width=3D"235">=0A=
<!-- =
insert URL in href -->=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
VQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWK=
BWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFA=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6a356f3e9499710085fdb0d0/original.png?1781886782" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:235px;width:235px" =
width=3D"235" alt=3D"A bar chart showing the difference between saving =
and investing from 2000 to 2024.">=0A=
</a>=0A=
</td>=0A=
<td =
width=3D"30" class=3D"displayNone">=0A=
</td>=0A=
<td =
class=3D"fullWidth mobile" valign=3D"middle">=0A=
=
<table valign=3D"middle" align=3D"left" bgcolor=3D"#ffffff" =
class=3D"fullWidth darkmode" width=3D"190" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:190px;" role=3D"presentation">=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:30px 0px =
0px;">Same money, greater returns=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 25px =
0px;">Let=E2=80=99s say you saved =C2=A350 per month between December =
2000 and April 2026 in a saving account, you'd have =C2=A319,570. =
Invested that same amount? You could=E2=80=99ve had =C2=A339,105.=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Copy End -->=0A=
=
</table>=0A=
<!-- =
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</tr>=0A=
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</td>=0A=
<td width=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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<td align=3D"center">=0A=
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darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Title Copy Start -->=0A=
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<td height=3D"30">=0A=
</td>=0A=
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<td align=3D"center">=0A=
<table align=3D"center" class=3D"fullWidth =
darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Two Columns Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" align=3D"center" =
style=3D"padding:0px 48px 10px 49px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
class=3D"darkmode" bgcolor=3D"#ffffff" =
style=3D"padding-top:30px;padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
bgcolor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"503" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:503px;" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"25">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;w" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"fullWidth mobile footer-group" valign=3D"middle">=0A=
=
<table valign=3D"middle" align=3D"left" bgcolor=3D"#ffffff" =
class=3D"fullWidth darkmode" width=3D"190" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:190px;" role=3D"presentation">=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:30px 0px 0px;">The =
impact of interest rates=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 25px =
0px;">When interest rates fall, savings rates usually do too. Even =
though investment values do go up and down, markets you can invest in =
have generally risen over time.=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Copy End -->=0A=
=
</table>=0A=
<!-- =
Module 2 End -->=0A=
</td>=0A=
<td =
width=3D"30" class=3D"displayNone">=0A=
</td>=0A=
<td =
class=3D"fullWidth mobile header-group" align=3D"center" width=3D"235">=0A=
<!-- =
insert URL in href -->=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/68d6b9e0a9627a00649b3f08/original.png?1758902752" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:235px;width:235px" =
width=3D"235" alt=3D"A stylised graph with decorative sparkles around =
it.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
<td width=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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<table align=3D"center" class=3D"fullWidth =
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cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
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darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Two Columns Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" align=3D"center" =
style=3D"padding:0px 48px 0px 49px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmode" =
align=3D"center" bgcolor=3D"#ffffff" =
style=3D"padding-top:30px;padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
bgcolor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"503" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:503px;" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"25">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;w" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"fullWidth mobile" align=3D"center" width=3D"235">=0A=
<!-- =
insert URL in href -->=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
VQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWK=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/68d6bb4aa9627a00649b406c/original.png?1758903113" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:235px;width:235px" =
width=3D"235" alt=3D"An icon featuring a pound symbol (=C2=A3) overlaid =
on a graph showing an upward trend.">=0A=
</a>=0A=
</td>=0A=
<td =
width=3D"30" class=3D"displayNone">=0A=
</td>=0A=
<td =
class=3D"fullWidth mobile" valign=3D"middle">=0A=
=
<table valign=3D"middle" align=3D"left" bgcolor=3D"#ffffff" =
class=3D"fullWidth darkmode" width=3D"190" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:190px;" role=3D"presentation">=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:30px 0px =
0px;">Investment growth can beat inflation over time=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 25px =
0px;">Savings interest rates don't always keep up with inflation. But =
historically, the value of certain investments has risen more than =
inflation.=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Copy End -->=0A=
=
</table>=0A=
<!-- =
Module 2 End -->=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
<td width=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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<td align=3D"center">=0A=
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darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
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darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Two Columns Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25" align=3D"center" =
style=3D"padding:0px 48px 10px 49px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"darkmode" =
align=3D"center" bgcolor=3D"#ffffff" =
style=3D"padding-top:30px;padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 Start -->=0A=
<table align=3D"center" =
bgcolor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"503" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:503px;" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"25">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;w" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"fullWidth mobile footer-group" valign=3D"middle">=0A=
=
<table valign=3D"middle" align=3D"left" bgcolor=3D"#ffffff" =
class=3D"fullWidth darkmode" width=3D"190" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:190px;" role=3D"presentation">=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:30px 0px =
0px;">Starting with savings is smart=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 25px =
0px;">Before investing, consider building a savings safety net first. =
That=E2=80=99s because you should aim to keep money invested for at =
least 5 years to improve your chances of getting the return you want.=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Copy End -->=0A=
=
</table>=0A=
<!-- =
Module 2 End -->=0A=
</td>=0A=
<td =
width=3D"30" class=3D"displayNone">=0A=
</td>=0A=
<td =
class=3D"fullWidth mobile header-group" align=3D"center" width=3D"235">=0A=
<!-- =
insert URL in href -->=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
VQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWK=
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VF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp" target=3D"_blank">=0A=
=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/68d6b9e006f8160064e87f79/original.png?1758902752" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:235px;width:235px" =
width=3D"235" alt=3D"A dashboard showing four categories: Emergency', =
'Holiday', 'Investing', and 'Wedding', each with distinct icons =
representing their respective purposes.">=0A=
</a>=0A=
</td>=0A=
</tr>=0A=
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</td>=0A=
<td width=3D"25">=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
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</tr>=0A=
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</tr>=0A=
<!-- Two Columns End -->=0A=
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</td>=0A=
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<!-- Row 4 End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" align=3D"left" =
style=3D"padding:0px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"left" class=3D"fullWidth" =
width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:10px 0px 0px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
The value of your investments could =
go up or down and you could get back less than you put in.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
<!-- CTA Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pb-25 darkmode2" align=3D"center" =
style=3D"padding:30px 20px 35px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<tr>=0A=
<td align=3D"center">=0A=
<table width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">=0A=
<tr>=0A=
<td align=3D"center">=0A=
<div>=0A=
<!--[if mso]>=0A=
<v:roundrect =
xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
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stroke=3D"f" fillcolor=3D"#218FB7">=0A=
=
<w:anchorlock/>=0A=
<center>=0A=
<![endif]-->=0A=
<a class=3D"fullWidth =
darkmodeFont2" =
href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6P=
VQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWK=
BWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFA=
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style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
y:inline-block;font-family:'MonzoSansB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:600;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Lear=
n more</a>=0A=
<!--[if mso]>=0A=
</center>=0A=
=
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<![endif]-->=0A=
</div>=0A=
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</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- CTA End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" align=3D"left" =
style=3D"padding:0px 45px;background-color: #F2F8F3;">=0A=
<table align=3D"left" class=3D"fullWidth" =
width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:0px 0px 30px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
Sources:=0A=
<br>Savings data: Illustrative =
savings rate based on a 0.25% discount to the average Bank of England =
base rate for December 2000 to April 2026.<br>Investments data: =
Investments return based on average annual return of MSCI All Country =
World Index for December 2000 to April 2026. MSCI terms of use: =
www.msci.com/notice-and-disclaimer<br>Inflation data: Average inflation =
(from Consumer Price Index) for December 2000 to April 2026.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
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=0A=
=0A=
=0A=
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<td align=3D"center">=0A=
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width=3D"600" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#ffffff">=0A=
<tr>=0A=
<td =
style=3D"border-radius:25px;padding-top:30px;padding-bottom:30px;">=0A=
<table align=3D"center" class=3D"fullWidth" =
width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"pl-25" =
style=3D"padding-left:40px;">=0A=
=0A=
</td>=0A=
<td align=3D"center" =
style=3D"border-radius:20px;;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
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pt;width:510px;" role=3D"presentation">=0A=
<!-- Modules Start -->=0A=
<tr>=0A=
<td align=3D"left" =
style=3D"padding-right:30px;background-color: =
#F2F8F3;border-radius:20px;padding:35px 0px;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"100%" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td width=3D"45">=0A=
</td>=0A=
<td>=0A=
<table =
align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td =
class=3D"pt-15 pb-0 darkmodeFont3" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:800;font-size:24px;line-height:28px;mso-line-heigh=
t-rule:exactly;color:#112231;text-align:center;padding:0px 0px 0px =
0px;font-weight:800;">=0A=
=
We're an authorised and <br class=3D"hide-mobile"> regulated bank=0A=
</td>=0A=
</tr>=0A=
<tr>=0A=
<td =
class=3D"pt-0" style=3D"padding-top:15px;">=0A=
=
<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
=
<tr>=0A=
=
<td class=3D"mobile fullWidth pt-25" valign=3D"middle" =
align=3D"center">=0A=
=
<table align=3D"center" class=3D"fullWidth" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
=
<tr>=0A=
=
<td align=3D"center" valign=3D"middle">=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/XXG_gfWuOacQDvr5CnIjNA~~/AAAHahA~/qa=
JIOFRB3AAXap52SbvQjgiTua1G1426EPJNolIlM-Zx4uTetqzgAoaODeYXeFt5QTz935TTpxC=
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=
<img align=3D"center" =
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The =
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less than you put in.=0A=
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Don=E2=80=99t want to hear from us again?<br>=0A=
You =
can <a =
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Monzo Bank Limited is a company registered in England and Wales =
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EC2A 2AG.<br>=0A=
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Monzo Bank Ltd is authorised by the Prudential Regulation Authority and =
regulated by the Financial Conduct Authority and the Prudential =
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