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To: bob@sarahharvey.com
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Date: Tue, 28 Jul 2026 17:37:12 +0000
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Subject: Invest in what matters to you
List-Unsubscribe: <https://01.emailinboundprocessing.eu/enc_user/list_unsubscribe?d=%241%24g%2FoMXbg7kBuVfdGvBFMRMQ%3D%3D%2438NnhyzICy0guLCFq7pIjuRLVuOH6GhdAYK2OMnEhePg6yXMmE8guwRqn54O%0AbGxmn%2Fg9OCGdSoVBGl2LNl0T6D8vKyFx79lydfck2FCsn004%2FjoeQiFB7EhR%0AqlPL2jcCmbzsyy51XYkrWEsnNtTXua5WBRyFe7Ra22p2%2Ba4IvEXkknlBxl99%0AnFqIe%2FFRnEoqSv2WaK3jbJ%2BeASsv7erWlSuMtKBjEHR4HtLI3XAV9C57x4Gd%0AUOdrAPhNi8mVOYsdu0nJO9XctMcWXTSMW8WUWYg80Pde%2Fs1Rz2ynDuKSc3ZX%0AuzXiFmT4sZ2XhcB7V7Ecvq%2F1mkIFJJv7Xdh05hAVfuoyT%2BStDHe%2FrDEKz13t%0APSABlMFHP%2FM9pwduytdilPqp&1=1>,<mailto:4_o8lhxbnnppfqz5jt24txveuub91aon6n6xf5be6j37alffxsg8xlm3@unsubscribe.emailinboundprocessing.eu?subject=Unsubscribe%20pnrcgsq1m7kgggdbn4ms3p9akbpwnvyfdul4dnwovcfd&body=DO_NOT_DELETE-1kxit2cq75yp2ous2u8rrh1cescikhpxs1gvci1414dmdmhbixyv3s25ag5xaqop7ormwu7lahzmp7dpc7sd-DO_NOT_DELETE>
From: "Monzo" <hello@email.monzo.com>
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Choose funds that match your=0Agoals and values. =0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A Monzo =0A( https://clicks.monzo.com/f/a/lUVUH_DVyliftL_A=
spSsOg~~/AAAHahA~/wXrvzHJ8m5ShaFxmKC6C2rdXAKsYmNM78MQNDLltmGiQXWOH21jUZpH-y=
0jPY7gm-5p-NqSEJfq71BWTUjmLmGIyN-WbaEJO4iVoWt63tII~ ) =0A =
A Person=0Astanding in a lush green environment with trees in the=0Abackgr=
ound, holding a large cabbage in front of their chest and a=0Aphone in thei=
r hand with a Monzo card in the case. =0A( https://clicks.monzo.com/f/a/XEq=
I1DIAx4BwSZRStk_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yX=
hdku0ipAxJmiWbRymnlL7LfyIgY8-5S5g43nn0MSW-N6H8bu0ZHr2qMc0f_VE7EtGYBRJO6NSHC=
ILbcuPT3mTORys2oeEQ9MwuY28KIk_VfiRBtVl00r--yMF6TvwlD36amKcqWTGJ94lGQROubPTQ=
we9YJ82vrwIZdRNcz0Kw~~ )=0A=0A=0A*****************************=0AInvest in =
what matters to you=0A*****************************=0A=0AWith Monzo Investm=
ents, you can pick from=0Aready-made funds or build your own portfolio arou=
nd themes like=0Aclean energy or healthcare innovation.=0A=0AInvest in the =
change you want to see - all from the app.=0A=0AThe value of your investmen=
t can go up and down and you could get=0Aback less than you put in.=0A=0AGe=
t started =0A( https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk_MlA~~/AAAHah=
A~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbRymnlL7LfyIgY8=
-5S5g43nn0MSW-N6H8bu0ZHr2qMc0f_VE7EtGYBRJO6NSHCILbcuPT3mTORys2oeEQ9MwuY28KI=
k_VfiRBtVl00r--yMF6TvwlD36amKcqWTGJ94lGQROubPTQwe9YJ82vrwIZdRNcz0Kw~~ )=0A =
Ts&Cs and fees apply.=0A=0A=0A=0ASaving vs investing =
Explore how saving and investing=0Adiffer =E2=80=93 and how you=
r returns could change over time. Remember,=0Aan investment=E2=80=99s past =
performance doesn=E2=80=99t show how it=E2=80=99ll perform=0Ain the future.=
=0A=0AA bar chart showing the difference=0Abetween saving and investing fro=
m 2000 to 2024. =0A( https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/=
AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rC=
BDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_=
JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp )=0A Same money,=
greater returns Let=E2=80=99s say you saved =C2=A350=0Aper month betw=
een December 2000 and April 2026 in a saving=0Aaccount, you'd have =C2=A319=
,570. Invested that same amount=3F You=0Acould=E2=80=99ve had =C2=A339,105.=
=0AThe impact of interest rates When interest rates fall,=0Asavings ra=
tes usually do too. Even though investment values do go=0Aup and down, mark=
ets you can invest in have generally risen over=0Atime. A stylis=
ed graph with decorative sparkles around=0Ait. =0A( https://clicks.monzo.co=
m/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f=
1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4io=
JcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SEN=
Poqq5jp )=0A An icon=
=0Afeaturing a pound symbol (=C2=A3) overlaid on a graph showing an=0Aupwar=
d trend. =0A( https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA=
~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqM=
WKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFA=
VF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp )=0A Investment growth =
can beat inflation over time=0ASavings interest rates don't always keep up =
with inflation. But=0Ahistorically, the value of certain investments has ri=
sen more=0Athan inflation.=0AStarting with savings is smart Before inv=
esting, consider=0Abuilding a savings safety net first. That=E2=80=99s beca=
use you should=0Aaim to keep money invested for at least 5 years to improve=
your=0Achances of getting the return you want. A dashboard=0Ash=
owing four categories: Emergency', 'Holiday', 'Investing', and=0A'Wedding',=
each with distinct icons representing their respective=0Apurposes. =0A( ht=
tps://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6V=
ZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZy=
VdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWL=
ZD8sHHle9226Ehc4n_SENPoqq5jp )=0A The value of you=
r investments could go=0Aup or down and you could get back less than you pu=
t in.=0A=0ALearn more =0A( https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7B=
j0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP=
_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRds=
KSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp )=0A =
Sources:=0ASavings data: Illustrative savings rate based on a 0.25=
% discount=0Ato the average Bank of England base rate for December 2000 to=
=0AApril 2026.=0AInvestments data: Investments return based on average annu=
al=0Areturn of MSCI All Country World Index for December 2000 to April=0A20=
26. MSCI terms of use: www.msci.com/notice-and-disclaimer=0AInflation data:=
Average inflation (from Consumer Price Index) for=0ADecember 2000 to April=
2026.=0A=0A We're=0Aan authorised and regulated bank Which. Rec=
ommended=0Aprovider ( https://clicks.monzo.com/f/a/XXG_gfWuOacQDvr5CnIjNA~~=
/AAAHahA~/qaJIOFRB3AAXap52SbvQjgiTua1G1426EPJNolIlM-Zx4uTetqzgAoaODeYXeFt5Q=
Tz935TTpxCR9yyOAItawKtwrA7a3VYHONxIxdY-8VWlMrHZj2zSfUCXetH4AfD- )=0ATrustpi=
lot Logo=0ATrustpilot Stars=0ATrustScore =0A( https://clicks.monzo.com/f/a/=
Sc9IkTQtYysljcvhmQHJCQ~~/AAAHahA~/fY4hWKZLl9RQLQ5Uk4yephD_spZXTPcp9xKB6a94u=
O9EFAs4SrSsdVfjuRVwhrW0aZbU2SoYed_nv-WK7aSYnDt0-9Nw_Omk-xX7g8bzTFgvXSzDh7ZV=
yKKpRz7NFPfG7LQhSC-HKpeFssPJpaXu-ae4-hQThBh4UP2bLA9mCg3OCW76tCB3Zk1oMxfuqe1=
Bcs9xfCcOE5Pp8eVsKI9dRA~~ )=0A=0A=0AFSCS Protected =0A( https://clicks.monz=
o.com/f/a/2-feuGF-vLlJZD25TylZ9Q~~/AAAHahA~/OQkEO7d-AZJK8KUGxfwbYbB-nfJhwdT=
-ZhAQ4rHeX-fS-kGDrHxWgdc-5baZTAPePbiZOBNVRYrww0x7RaImcFk1SEL9TMk3ruYSa_KqcM=
UjO3S1T3ZJVUn3ZDr29HRB ) Best=0ABritish Bank 2026 =0A( https:/=
/clicks.monzo.com/f/a/muhinl3odHJRYdoBRbTl3Q~~/AAAHahA~/7U7ml0Y_vkeAUHfcBE5=
kTjNyMQO5xhMTIqFxxwDOkXGTNcb6ZYFQ0QoiUa_mqSLnay2ZfthZ28LYRaPABuUyTk58lc6ZV0=
HPJ9D7KSUUfd5b8UTxxdOw-TgiVTRCyBIlrvzuX9HRSTqo94uTVclrtg~~ )=0ABest Current=
Account provider =0A( https://clicks.monzo.com/f/a/muhinl3odHJRYdoBRbTl3Q~=
~/AAAHahA~/7U7ml0Y_vkeAUHfcBE5kTjNyMQO5xhMTIqFxxwDOkXGTNcb6ZYFQ0QoiUa_mqSLn=
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o94uTVclrtg~~ )=0ABest Credit Card 2024 ( https://clicks.monzo.com/f/a/gw_x=
szY3ngBYBFjAWoWJBA~~/AAAHahA~/cpJaPwycHXEhzrYuzaS1rtS7GAVNNZsL7Zj3MPfIbn9Mn=
WFv2MYTBiMhu9H-qcFH_yAFgzqw5D4xtlD2MqlSKqt9TjbYEmpAE4lwxNM3Oeo~ )=0A=0A =
The value of=0Ayour investments could go up or down and you =
could get back less=0Athan you put in.=0A=0ADon=E2=80=99t want to hear from=
us again=3F=0AYou can unsubscribe =0A( https://clicks.monzo.com/f/a/WD3Wq1=
G8dWiHfhEfbQE7bQ~~/AAAHahA~/eo1Y-hhmvLXj2PmbjrM73GZx4V2WM-j27HNKNPOzxM_73IX=
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t any time. No hard feelings.=0A=0AMonzo Bank Limited is a company register=
ed in England and Wales=0A(No.09446231) registered at Broadwalk House, 5 Ap=
pold Street,=0ALondon EC2A 2AG.=0AMonzo Bank Ltd is authorised by the Prude=
ntial Regulation=0AAuthority and regulated by the Financial Conduct Authori=
ty and=0Athe Prudential Regulation Authority. Our Financial Services=0ARegi=
ster number is 730427. Monzo Linkedin =0A( https://clicks.monzo.co=
m/f/a/Di4edh-hB9E0HOVnqz79_A~~/AAAHahA~/J9AGM6XJzv-mWB19LR2rhHngfboJPxnPJQE=
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7Nzb1n9IpvlUoY2lGTzXtkTOWtLwH93ObRKAbrRg~~ ) Monzo TikTok =0A( https://cl=
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hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-wid=
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<a href=3D"https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRStk=
_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWbR=
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cz0Kw~~" target=3D"_blank">=0A =
<!-- insert image source in src -->=0A =
<img src=3D"https://cdn.braze.eu/appb=
oy/communication/assets/image_assets/images/68d6b9e1c08ec400648767e8/origin=
al.png=3F1758902752" class=3D"fullWidth" border=3D"0" style=3D"outline:none=
; text- decoration:none; -ms-interpolation-mode: bicubic; border:none; disp=
lay:block;width:510px;" width=3D"510" alt=3D"A Person standing in a lush gr=
een environment with trees in the background, holding a large cabbage in fr=
ont of their chest and a phone in their hand with a Monzo card in the case.=
">=0A </a>=0A =
</td>=0A =
</tr>=0A =
<!-- Image End -->=0A =
<!-- Title Start -->=0A <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, Helve=
tica, sans-serif;font-weight:bold;font-size:40px;line-height:46px;mso-line-=
height-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-2=
5 pr-25 darkmode2" align=3D"left" style=3D"padding:0px 45px;background-colo=
r: #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:=
0pt;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"l=
eft" 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:norm=
al;font-size:16px;line-height:24px;mso-line-height-rule:exactly;color:#1122=
31;text-align:left;">=0A Wit=
h Monzo Investments, you can pick from ready-made funds or build your own p=
ortfolio around themes like clean energy or healthcare innovation.<br><br>I=
nvest 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 pu=
t in.=0A </p>=0A =
</td>=0A </tr>=
=0A </table>=0A <=
/td>=0A </tr>=0A <!-- Intro E=
nd -->=0A <!-- CTA Start -->=0A =
<tr>=0A <td class=3D"pl-25 pb-25 darkmode2" a=
lign=3D"left" style=3D"padding:0px 20px 30px 45px;background-color: #F2F8F3=
;">=0A <table align=3D"left" class=3D"fullWi=
dth" width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;widt=
h:280px;" role=3D"presentation">=0A <tr>=
=0A <td align=3D"left">=0A =
<table width=3D"100%" border=3D"0" cellsp=
acing=3D"0" cellpadding=3D"0">=0A =
<tr>=0A <td align=
=3D"left">=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/XEqI1DIAx4B=
wSZRStk_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipA=
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<w:anchorlock/>=0A =
<center>=0A =
<![endif]-->=0A =
<a class=3D"full=
Width darkmodeFont1" href=3D"https://clicks.monzo.com/f/a/XEqI1DIAx4BwSZRSt=
k_MlA~~/AAAHahA~/DVRgsgciTH7qOO9aETVDe9EHyj_kZ2wsKG-xc3b_e6yXhdku0ipAxJmiWb=
RymnlL7LfyIgY8-5S5g43nn0MSW-N6H8bu0ZHr2qMc0f_VE7EtGYBRJO6NSHCILbcuPT3mTORys=
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Ncz0Kw~~" target=3D"_blank" style=3D"background-color:#218FB7;border-radius=
:25px;color:#ffffff;display:inline-block;font-family:'MonzoSansB', Tahoma, =
Arial, Helvetica, sans-serif;font-weight:600;font-size:16px;line-height:40p=
x;text-align:center;text-decoration:none;width:280px;-webkit-text-size-adju=
st:none;">Get started</a>=0A =
<!--[if mso]>=0A =
</center>=0A =
</v:roundrect>=0A =
<![endif]-->=0A =
</div>=0A =
</td>=0A </tr=
>=0A </table>=0A =
</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" a=
lign=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-c=
ollapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:510px;-web=
kit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;" role=3D"presentatio=
n">=0A <tr>=0A =
<td class=3D"Font2 pt-0 pb-25" align=3D"left" style=3D"paddin=
g:10px 0px 30px 0px;">=0A <p cla=
ss=3D"p darkmodeFont2" style=3D"margin:0;padding:0;font-family:'MonzoSansR'=
, Tahoma, Arial, Helvetica, sans-serif;font-weight:normal;font-size:16px;li=
ne-height:24px;mso-line-height-rule:exactly;color:#112231;text-align:left;"=
>=0A Ts&Cs and fees appl=
y.=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 Fift=
y 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" cellsp=
acing=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-table-l=
space:0pt;mso-table-rspace:0pt;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:25p=
x 20px 30px;">=0A <table align=3D"center" cl=
ass=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-rsp=
ace:0pt;width:550px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 10=
0%;" role=3D"presentation">=0A <tr>=0A =
<td class=3D"h2 darkmodeFont2" align=
=3D"center" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, s=
ans-serif;font-weight:bold;font-size:32px;line-height:40px;mso-line-height-=
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 <!-- Tit=
le Copy End -->=0A <!-- Intro Start -->=0A =
<tr>=0A <td class=3D"pl-25 pr-25 d=
arkmode2" align=3D"center" style=3D"padding:0px 45px;background-color: #F2F=
8F3;">=0A <table align=3D"left" class=3D"ful=
lWidth" width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;wid=
th: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-famil=
y:'MonzoSansR', Tahoma, Arial, Helvetica, sans-serif;font-weight:normal;fon=
t-size:16px;line-height:24px;mso-line-height-rule:exactly;color:#112231;tex=
t-align:center;">=0A Explore=
how saving and investing differ =E2=80=93 and how your returns could chang=
e 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 =
<!-- 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" cells=
pacing=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-table-=
lspace:0pt;mso-table-rspace:0pt;width:500px;" role=3D"presentation">=0A =
<tr>=0A =
<td class=3D"darkmode" align=3D"center" bgcolor=3D"#ffffff" style=3D"pa=
dding-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" cellpaddi=
ng=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-r=
space:0pt;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" cellpaddi=
ng=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-r=
space:0pt;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~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgE=
nAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxL=
HVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_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/images=
/6a356f3e9499710085fdb0d0/original.png=3F1781886782" border=3D"0" style=3D"=
outline:none; text- decoration:none; -ms-interpolation-mode: bicubic; borde=
r:none; display:block;max-width:235px;width:235px" width=3D"235" alt=3D"A b=
ar chart showing the difference between saving and investing from 2000 to 2=
024.">=0A =
</a>=0A </=
td>=0A <td w=
idth=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 dar=
kmode" width=3D"190" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=
=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;widt=
h:190px;" role=3D"presentation">=0A =
<!-- Title Start -->=0A =
<tr>=0A =
<td class=3D"da=
rkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetic=
a, sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-hei=
ght-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-fam=
ily:'MonzoSansR', Tahoma, Arial, Helvetica, sans-serif;font-weight:normal;f=
ont-size:16px;line-height:24px;mso-line-height-rule:exactly;color:#112231;t=
ext-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, y=
ou'd have =C2=A319,570. Invested that same amount=3F You could=E2=80=99ve h=
ad =C2=A339,105.=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 </td=
>=0A </tr>=0A <!-- Two Column=
s End -->=0A </table>=0A </td>=0A =
</tr>=0A <!-- Row 1 End -->=0A <!-- Separator Sta=
rt -->=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-coll=
apse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;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 height=3D"30=
">=0A </td>=0A </tr>=0A =
<!-- Title Copy End -->=0A </table=
>=0A </td>=0A </tr>=0A <!-- Separator =
End -->=0A <!-- Row 2 Start -->=0A <tr>=0A =
<td align=3D"center">=0A <table align=3D"center" cl=
ass=3D"fullWidth darkmode2" width=3D"600" border=3D"0" cellspacing=3D"0" ce=
llpadding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-=
table-rspace:0pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-a=
djust: 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"pa=
dding: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:0pt;width:500px;" role=3D"presentation">=
=0A <tr>=0A =
<td align=3D"center" class=3D"darkmode" bgcolor=3D"#ffffff" styl=
e=3D"padding-top:30px;padding-bottom:30px;border-radius:20px;">=0A =
<!-- Module 1 Start -->=0A =
<table align=3D"center" bgcolor=3D"#ffffff" c=
lass=3D"fullWidth darkmode" width=3D"503" border=3D"0" cellspacing=3D"0" ce=
llpadding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-=
table-rspace:0pt;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" c=
ellpadding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso=
-table-rspace:0pt;w" role=3D"presentation">=0A =
<tr>=0A =
<td class=3D"fullWidth mobile footer-group" vali=
gn=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" cellpa=
dding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-tabl=
e-rspace:0pt;width:190px;" role=3D"presentation">=0A =
<!-- Title Start -->=0A =
<tr>=
=0A =
<td class=3D"darkmodeFont2 h4" style=3D"font-family:'MonzoSansEB', Taho=
ma, Arial, Helvetica, sans-serif;font-weight:bold;font-size:24px;line-heigh=
t:28px;mso-line-height-rule:exactly;color:#112231;text-align:left;padding:3=
0px 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;f=
ont-weight:normal;font-size:16px;line-height:24px;mso-line-height-rule:exac=
tly;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"displayN=
one">=0A </t=
d>=0A <td cl=
ass=3D"fullWidth mobile header-group" align=3D"center" width=3D"235">=0A =
<!-- inser=
t URL in href -->=0A =
<a href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A=
~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB=
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=0A =
<!-- insert image source in src -->=0A =
<img class=3D"m-290 mobile" src=3D"https=
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27a00649b3f08/original.png=3F1758902752" border=3D"0" style=3D"outline:none=
; text- decoration:none; -ms-interpolation-mode: bicubic; border:none; disp=
lay:block;max-width:235px;width:235px" width=3D"235" alt=3D"A stylised grap=
h with decorative sparkles around it.">=0A =
</a>=0A =
</td>=0A =
</tr>=0A =
</table>=0A =
</td>=0A <td width=3D"2=
5">=0A </td>=0A =
</tr>=0A =
</table>=0A </td>=0A=
</tr>=0A =
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r>=0A <!-- Two Columns End -->=0A =
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w 2 End -->=0A <!-- Separator Start -->=0A <tr>=0A =
<td align=3D"center">=0A <table align=3D"ce=
nter" class=3D"fullWidth darkmode2" width=3D"600" border=3D"0" cellspacing=
=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace=
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xt-size-adjust: 100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A =
<!-- Title Copy Start -->=0A <tr>=
=0A <td height=3D"30">=0A =
</td>=0A </tr>=0A <!-- T=
itle Copy End -->=0A </table>=0A </td>=0A=
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ow 3 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"b=
order-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:600=
px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;" role=3D"pres=
entation" bgcolor=3D"#F2F8F3">=0A <!-- Two Columns S=
tart -->=0A <tr>=0A <td c=
lass=3D"pl-25 pr-25" align=3D"center" style=3D"padding:0px 48px 0px 49px;bo=
rder-radius:20px;">=0A <table align=3D"cente=
r" class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" cellpad=
ding=3D"0" style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table=
-rspace:0pt;width:500px;" role=3D"presentation">=0A =
<tr>=0A <td class=3D"dar=
kmode" align=3D"center" bgcolor=3D"#ffffff" style=3D"padding-top:30px;paddi=
ng-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"bo=
rder-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:503p=
x;" role=3D"presentation">=0A =
<tr>=0A <td width=3D"2=
5">=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"bo=
rder-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;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~~/AAAHa=
hA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3u=
qMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_Jauce=
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<!-- inse=
rt image source in src -->=0A =
<img class=3D"m-290 mobile" src=3D"https://cdn.br=
aze.eu/appboy/communication/assets/image_assets/images/68d6bb4aa9627a00649b=
406c/original.png=3F1758903113" border=3D"0" style=3D"outline:none; text- d=
ecoration:none; -ms-interpolation-mode: bicubic; border:none; display:block=
;max-width:235px;width:235px" width=3D"235" alt=3D"An icon featuring a poun=
d 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"1=
90" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=3D"border-collap=
se:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:190px;" role=3D=
"presentation">=0A =
<!-- Title Start -->=0A =
<tr>=0A =
<td class=3D"darkmodeFont2 h4" s=
tyle=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, sans-serif;fon=
t-weight:bold;font-size:24px;line-height:28px;mso-line-height-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-fam=
ily:'MonzoSansR', Tahoma, Arial, Helvetica, sans-serif;font-weight:normal;f=
ont-size:16px;line-height:24px;mso-line-height-rule:exactly;color:#112231;t=
ext-align:left;padding:15px 0px 25px 0px;">Savings interest rates don't alw=
ays keep up with inflation. But historically, the value of certain investme=
nts has risen more than inflation.=0A =
</td>=0A =
</tr>=0A =
<!-- Copy End -->=0A =
</table>=0A =
<!-- Modul=
e 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 =
</td>=0A </tr>=0A =
<!-- Two Columns End -->=0A </table>=0A =
</td>=0A </tr>=0A <!-- Row 3 End -->=0A <!=
-- Separator Start -->=0A <tr>=0A <td align=3D"ce=
nter">=0A <table align=3D"center" class=3D"fullWidth dar=
kmode2" width=3D"600" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;wid=
th: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 height=3D"30">=0A </td>=0A =
</tr>=0A <!-- Title Copy End -->=0A =
</table>=0A </td>=0A </tr>=0A =
<!-- Separator End -->=0A <!-- Row 4 Start -->=0A =
<tr>=0A <td align=3D"center">=0A <table a=
lign=3D"center" class=3D"fullWidth darkmode2" width=3D"600" border=3D"0" ce=
llspacing=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-tab=
le-lspace:0pt;mso-table-rspace:0pt;width:600px;-webkit-text-size-adjust: 10=
0%;-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-c=
ollapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:500px;" ro=
le=3D"presentation">=0A <tr>=0A =
<td class=3D"darkmode" align=3D"center" bgco=
lor=3D"#ffffff" style=3D"padding-top:30px;padding-bottom:30px;border-radius=
:20px;">=0A <!-- Module 1 Start =
-->=0A <table align=3D"center" b=
gcolor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"503" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-t=
able-lspace:0pt;mso-table-rspace:0pt;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:0pt;w" role=3D"presentation">=0A =
<tr>=0A =
<td class=3D"fullWidth mobi=
le footer-group" valign=3D"middle">=0A =
<table valign=3D"middle" align=3D"left" bgco=
lor=3D"#ffffff" class=3D"fullWidth darkmode" width=3D"190" border=3D"0" cel=
lspacing=3D"0" cellpadding=3D"0" style=3D"border-collapse:collapse;mso-tabl=
e-lspace:0pt;mso-table-rspace:0pt;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-s=
ize:24px;line-height:28px;mso-line-height-rule:exactly;color:#112231;text-a=
lign:left;padding:30px 0px 0px;">Starting with savings is smart=0A =
</td>=0A=
</t=
r>=0A =
<!-- Title End -->=0A =
<!-- Copy Start -->=0A =
<tr>=0A =
<td class=3D"pb-0 darkmodeFo=
nt2 p" align=3D"left" style=3D"font-family:'MonzoSansR', Tahoma, Arial, Hel=
vetica, sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-l=
ine-height-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 yea=
rs 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 h=
ref=3D"https://clicks.monzo.com/f/a/Vn6RdFT8WQ-Qv9T2W7Bj0A~~/AAAHahA~/6PVQh=
mR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_QB5rCBDU3uqMWKBWSA7=
yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsKSWsi_JauceFAVF968d1=
RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp" target=3D"_blank">=0A =
<!-- insert image =
source in src -->=0A =
<img class=3D"m-290 mobile" src=3D"https://cdn.braze.eu/ap=
pboy/communication/assets/image_assets/images/68d6b9e006f8160064e87f79/orig=
inal.png=3F1758902752" border=3D"0" style=3D"outline:none; text- decoration=
:none; -ms-interpolation-mode: bicubic; border:none; display:block;max-widt=
h:235px;width:235px" width=3D"235" alt=3D"A dashboard showing four categori=
es: Emergency', 'Holiday', 'Investing', and 'Wedding', each with distinct i=
cons representing their respective purposes.">=0A =
</a>=0A =
</td>=0A =
</tr>=0A =
</table>=0A =
</td>=0A <td wid=
th=3D"25">=0A </td>=0A =
</tr>=0A =
</table>=0A <=
/td>=0A </tr>=0A =
</table>=0A </td>=0A =
</tr>=0A <!-- Two Columns End -->=0A =
</table>=0A </td>=0A </tr>=0A =
<!-- 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:0pt;width:510px;-webkit-text-size-adjust: 100%;-ms-te=
xt-size-adjust: 100%;" role=3D"presentation">=0A <tr=
>=0A <td class=3D"Font2 pt-0 pb-25" align=3D"lef=
t" style=3D"padding:10px 0px 0px 0px;">=0A <=
p class=3D"p darkmodeFont2" style=3D"margin:0;padding:0;font-family:'MonzoS=
ansR', Tahoma, Arial, Helvetica, sans-serif;font-weight:normal;font-size:16=
px;line-height:24px;mso-line-height-rule:exactly;color:#112231;text-align:l=
eft;">=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 <!-- C=
TA 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"f=
ullWidth" width=3D"280" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" st=
yle=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;w=
idth:280px;" role=3D"presentation">=0A <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-Qv9T2W7Bj=
0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrgEnAWh_WKWP_=
QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGxLHVVSEDRdsK=
SWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp" style=3D"height:4=
0px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" stroke=3D"f" fillcol=
or=3D"#218FB7">=0A =
<w:anchorlock/>=0A =
<center>=0A =
<![endif]-->=0A <a class=
=3D"fullWidth darkmodeFont2" href=3D"https://clicks.monzo.com/f/a/Vn6RdFT8W=
Q-Qv9T2W7Bj0A~~/AAAHahA~/6PVQhmR9imam6VZzzlATZuqvcivo3ycZQ8f1KBwqqJS134ATrg=
EnAWh_WKWP_QB5rCBDU3uqMWKBWSA7yRVf2jcZyVdtgktNFfhxlgBvs1M4ioJcQbYCtyZrMwDGx=
LHVVSEDRdsKSWsi_JauceFAVF968d1RpQh3tpWLZD8sHHle9226Ehc4n_SENPoqq5jp" target=
=3D"_blank" style=3D"background-color:#218FB7;border-radius:25px;color:#fff=
fff;display: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;">Learn =
more</a>=0A <!--[if mso]>=0A=
</center>=0A =
</v:roundrect>=0A =
<![endif]-->=0A =
</div>=0A =
</td>=0A </tr>=0A =
</table>=0A </td>=0A =
</tr>=0A </table>=0A </=
td>=0A </tr>=0A <!-- CTA End -->=0A <!-- I=
ntro Start -->=0A <tr>=0A <td class=3D"pl-25 pr-2=
5 darkmode2" align=3D"left" style=3D"padding:0px 45px;background-color: #F2=
F8F3;">=0A <table align=3D"left" class=3D"fullWidth" wid=
th=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=3D"border=
-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:510px;-w=
ebkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;" role=3D"presentat=
ion">=0A <tr>=0A <td clas=
s=3D"Font2 pt-0 pb-25" align=3D"left" style=3D"padding:0px 0px 30px 0px;">=
=0A <p class=3D"p darkmodeFont2" style=3D"ma=
rgin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, Helvetica, sans-s=
erif;font-weight:normal;font-size:16px;line-height:24px;mso-line-height-rul=
e:exactly;color:#112231;text-align:left;">=0A =
Sources:=0A <br>Savings data: Illu=
strative savings rate based on a 0.25% discount to the average Bank of Engl=
and base rate for December 2000 to April 2026.<br>Investments data: Investm=
ents 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 <!-- Module 1 Body Fifty Fifty Sta=
cked End -->=0A =0A=0A =0A =0A =
<!-- Module 5 Tertiary Module Icon Support Start -->=0A<tr>=0A <td align=
=3D"center">=0A <table align=3D"center" class=3D"fullWidth darkmode"=
width=3D"600" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" style=3D"bo=
rder-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;width:600p=
x;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;" role=3D"prese=
ntation" bgcolor=3D"#ffffff">=0A <tr>=0A <td styl=
e=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:collaps=
e;mso-table-lspace:0pt;mso-table-rspace:0pt;width:510px;-webkit-text-size-a=
djust: 100%;-ms-text-size-adjust: 100%;" role=3D"presentation">=0A =
<tr>=0A <td class=3D"pl-25" style=
=3D"padding-left:40px;">=0A =0A =
</td>=0A <td align=3D"cente=
r" 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" style=3D"border-collapse:collapse;mso-table-lspace=
:0pt;mso-table-rspace:0pt;width:510px;" role=3D"presentation">=0A =
<!-- Modules Start -->=0A =
<tr>=0A <td align=3D"lef=
t" style=3D"padding-right:30px;background-color: #F2F8F3;border-radius:20px=
;padding:35px 0px;">=0A <table a=
lign=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:0pt;width:100%;-webkit-text-size-adjust: 100%;-ms-tex=
t-size-adjust: 100%;" role=3D"presentation">=0A =
<tr>=0A =
<td width=3D"45">=0A =
</td>=0A <td>=0A =
<table align=3D"left" clas=
s=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-rsp=
ace:0pt;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:'Monz=
oSansEB', Tahoma, Arial, Helvetica, sans-serif;font-weight:800;font-size:24=
px;line-height:28px;mso-line-height-rule:exactly;color:#112231;text-align:c=
enter;padding:0px 0px 0px 0px;font-weight:800;">=0A =
We're an authorised and <br cla=
ss=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" cl=
ass=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-rsp=
ace:0pt;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" vali=
gn=3D"middle" align=3D"center">=0A =
<table align=3D"center" class=3D"ful=
lWidth" width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" sty=
le=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0pt;wi=
dth:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: 100%;" role=
=3D"presentation">=0A =
<tr>=0A =
<td align=3D"center" vali=
gn=3D"middle">=0A =
<a href=3D"https://clicks.monzo.com/f/a/X=
XG_gfWuOacQDvr5CnIjNA~~/AAAHahA~/qaJIOFRB3AAXap52SbvQjgiTua1G1426EPJNolIlM-=
Zx4uTetqzgAoaODeYXeFt5QTz935TTpxCR9yyOAItawKtwrA7a3VYHONxIxdY-8VWlMrHZj2zSf=
UCXetH4AfD-" target=3D"_blank">=0A =
<img align=3D"center=
" src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/6920778422e80b09ed7c2d1e/original.png=3F1763735428" border=3D"0" style=
=3D"outline:none; text- decoration:none; -ms-interpolation-mode: bicubic; b=
order:none; display:block;max-width:80px;" width=3D"80" height=3D"63" alt=
=3D"Which. Recommended provider">=0A =
</a>=0A =
</=
td>=0A =
</tr>=0A =
</table>=0A =
</td>=0A =
<td width=3D"50" class=3D"=
hide-mobile">=0A =
</td>=0A =
<td class=3D"mobile fullWidth textCenter" backgro=
und=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/images=
/67d1809efc2d590074df4eb8/original.png=3F1741783198" valign=3D"middle">=0A =
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The value of your investments could go up or do=
wn and you could get back less than you put in.=0A =
<br><br>=0A =
Don=E2=80=99t want to hear f=
rom us again=3F<br>=0A =
You can <a href=3D"https://clicks.monzo.com/f/a/NgFoPei_hxVx=
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r:#111111;text-decoration:underline;font-weight:bold;" class=3D"darkmodeFon=
t2">unsubscribe</a> at any time. No hard feelings.=0A =
<br><br>=0A =
Monzo Bank Limited is a c=
ompany registered in England and Wales (No.09446231) registered at Broadwal=
k House, 5 Appold Street, London EC2A 2AG.<br>=0A =
Monzo Bank Ltd is authorised by t=
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