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Get started with a free fund worth up to £20
͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌ 
 ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     


 <https://clicks.monzo.com/f/a/92n_783wSKzifc3Ao_O1fw~~/AAAHahA~/QWzdbRYU4EnUijj4rutZ_loAjLpt4HUqs3NVuSPPG14z_GdpNUVkQScWyhjdWTOJxafSXMmVix4IYw-coWsgiSTqLg2CzOyrpyr_CDeGn4g~>


 <https://clicks.monzo.com/f/a/cuxcEeUHjSgZBpeuA-Pj4g~~/AAAHahA~/o3tIz5RuwTJV968Veyk155uHKOsQL-nE2F9hxAC1bTUC0QBp7lYHmNyUOyzR0eFDgr9pc3aiGrio1prVv6OmmZxG1KfxbNojEp_86FKTKfmznxdEOORUSfzw3BSGpkURsJEYzvoMiZQk4pKFZmC1eUnKjcWkutSVdJLISVc2JmslXyEUiVZjsgVn96tnTdkyPBQXcmOubaJUT1yn0JCeODh2rmU1E0QrarOvo3LrvS8~>



Your first fund is on us


Investing can feel overwhelming, but we’re here to make it breezy. Invite a 
friend to join Monzo Investments, and when they get started, you’ll both 
receive a free fund worth either £5, £10 or £20.

Ts&Cs and fees apply. Investments can go up and down, so you could get back 
less than you put in.




Get started 
<https://clicks.monzo.com/f/a/NqTw8xit0Lj3nCw5aWQhNQ~~/AAAHahA~/7NWKg7f63G96dVYIpxocS1ICTHAPk53kOic1s1y3xEaxDei8GuL3OOjX2VGg4IXOASOshNOmfai4ZNobmhZr7RjBbjA7FQ6vfx4QR1fbZD6XE5p9LiErcYNQeIHvCUiSHUtcWD10a2wu3drDLznd8zNpAAh19K0yvm0DZiTlMkunMMqVLiwPq5XMwuCkcSvpX88S4eVRmgtqZ60aT9Hquvg_4lqNMydgmS1lVOZ5hIs~>


 <https://clicks.monzo.com/f/a/cuxcEeUHjSgZBpeuA-Pj4g~~/AAAHahA~/o3tIz5RuwTJV968Veyk155uHKOsQL-nE2F9hxAC1bTUC0QBp7lYHmNyUOyzR0eFDgr9pc3aiGrio1prVv6OmmZxG1KfxbNojEp_86FKTKfmznxdEOORUSfzw3BSGpkURsJEYzvoMiZQk4pKFZmC1eUnKjcWkutSVdJLISVc2JmslXyEUiVZjsgVn96tnTdkyPBQXcmOubaJUT1yn0JCeODh2rmU1E0QrarOvo3LrvS8~>



Invest in what matters, together


Open an investment account with Monzo and invite a friend to start 
investing. Once they've joined and invested at least £1, you'll both get a 
surprise worth either £5, £10 or £20 to invest in a fund of your choice.

Want to inspire others? Share your portfolio and any automated investing 
tools you’re using along the way.




Explore your options 
<https://clicks.monzo.com/f/a/i-YEM1eYXNsYCIkQpbtVwg~~/AAAHahA~/7NWKg7f63G96dVYIpxocS1ICTHAPk53kOic1s1y3xEaxDei8GuL3OOjX2VGg4IXOASOshNOmfai4ZNobmhZr7RjBbjA7FQ6vfx4QR1fbZD6XE5p9LiErcYNQeIHvCUiSHUtcWD10a2wu3drDLznd82-1alp4tatX9jJfRGSQ0D8Lg3mBfff5H7kB-SLES48HvjRiiTfgwu4dpOEE5HkLmfKNLURrzCtDSgJS33ohtw4~>





Let experts do the hard work
We offer investments from BlackRock’s iShares range and beyond. You can pick 
ready-made funds or create your own portfolio, focusing on topics that 
matter to you. As one of the world’s largest fund managers, your money’s in 
expert hands.








We're an authorised and
regulated bank

 <https://clicks.monzo.com/f/a/MsIgLU3AjPF0amGf0A1AUw~~/AAAHahA~/2_-pDaPx5ykyJ9fLIQH-ev6SKtuAmTaeIaRZMGtkw_Vr9kSHORtlLF9yX5rpwBebvsSwWLApRORfTXTVSPWTEyYdEl47KJ4HGJT8igk2c1iTKlxcRGZjSfU6qK49RqRMWyD0TPLHNGRUY7XxB14EhQ~~> 
<https://clicks.monzo.com/f/a/8DB2lT0nt-DEUFlhTzZGbA~~/AAAHahA~/HvjNbpL0KPLObDHwVDFt1I-QyD4VLisQdtG0wyAtCW5kEWw-IYkwg9ECwOyRmHz5ZVJ0A9DkCS2mErZedQAxZTyb-ES8UQiQwcjdwWnwK9jqUebIY46pzyZ44x8e4KHSTiZ5qkQY43SwL-1V712mvg~~>


 <https://clicks.monzo.com/f/a/pByLpPuUHvwKtwR4EIaPBg~~/AAAHahA~/BMa_-3USvvjTzXmtXJGCNi54uCXRhONfSFNhvCT7MwZ0a7jGOIkM6EoMifi8jrwWne7iZNDjX0Y7defS1slo6LLtSYQDkvHaND2c0MNVb49ub5TPX3q-Kbpfl3PcHxGqDU09npy45m9s9eUDck8a5ycs49ZwyAGyNcplbcwWOzyS71CZlh71wIhHAdSci3fF0a1QfJORhfNurLmVrujUeQ~~>



	 <https://clicks.monzo.com/f/a/3nP3J0WducEd4j9sLRMMBw~~/AAAHahA~/DJ5qENLFeSrgUxiig73BqOKxGTwu_F6AKSvFmqJUlQDI2QRQonGturqdmxu4jC8kuw4rUmMQw5Et2jEZ-qsYnwBRzmSgElyas5g-qYXOMnnpHibQbh70fw7l3gwcE3eo> 
<https://clicks.monzo.com/f/a/nbwHwZhLPynf6eiSGvZ5Cw~~/AAAHahA~/XQOu-UPMKHiAisg5d8ttqyywX8vJd5ujsmh2ZR0NGtxRP9Ib5RTR6fr1EX7W4kklR7VS1Lbb3B-gkOw0JQ1wAZF3Q6E57RLis8WHzKDt_BOSm14BXNt5ANZ4yn6_GeU1>







iShares® and BlackRock® are trademarks of BlackRock, used under licence. 
BlackRock has no obligation or liability in connection with any product or 
service offered by Monzo.

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 
<https://clicks.monzo.com/f/a/L6drjQcKS_Sy11MZDCJNgA~~/AAAHahA~/DxFv1_EPHmKepZ1hvm1GnnSjgequMPZIXNvFzoy0N43r7_to8ma6EgpT0O9PquM8KuiFQ4sp2sMT4YopFysx_Rx8SMr7BeR6zIROSIApXRP3DDzsoIsYfgpMJ2AkeAd-xOwBGiMWd2zdNir1Po3ZYw~~> 
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/eBXaykM7nwxqQGC5RmQHaw~~/AAAHahA~/zecQ0Bzx5lkUpMI_U_PmS13j4jqE4UcF0DULDAFoDIFZDHLkjhHN4GYV8AS54y-jQr7LlFDWp629p1uDy3hEOQCjs8OcjWzoKeL4jKcbCeAczMfZ1aZXTS0wEwR7PgubNaKbY8_WhMlIUaprtep3cA~~> 
<https://clicks.monzo.com/f/a/nM-QgPvei24rkXo6MFzsWg~~/AAAHahA~/mium8F_QIbYsPQc3zogzeZ1C2pxxszfPO7US0DboTzaQqqrwI7CCMGc7foHTq9p-DmuFTvrmBmVInI10mLbvaSX7NLIv9972rORVta-xuewMu7FLaEWOqecIMTIHqSAz> 
<https://clicks.monzo.com/f/a/_3mv4JQtq7_pxj6yKux8jw~~/AAAHahA~/tG7BKWXkYzlGhjWIlLv326zhFY86W6ZtC3lGk_NmNCZCv_t9d3NEWjHAm4WnHydMadpna9Hus0rwuIRyJGzbzyFs-PyHY1G3ocKIUinvInm3XStfKtDvOKhFFeuf0O4N>
 <https://clicks.monzo.com/f/a/92n_783wSKzifc3Ao_O1fw~~/AAAHahA~/QWzdbRYU4EnUijj4rutZ_loAjLpt4HUqs3NVuSPPG14z_GdpNUVkQScWyhjdWTOJxafSXMmVix4IYw-coWsgiSTqLg2CzOyrpyr_CDeGn4g~>
  <https://clicks.monzo.com/q/hQcuhNjScpgTBB0AbpMHCw~~/AAAHahA~/UdCPivaVk60MBhfdgwgfaGo3S1aezoo3t42CgylYYZqcD8E5-JO5g39u4jsxGD9Xasj-184M0fI449I8TrFaUQ~~>

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    <title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"body body-fix darkmode" bgcolor=3D"#FFFFFF" =
style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
!important;width: 100% !important;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;-webkit-font-smoothing: =
antialiased;word-spacing: normal;background-color:#FFFFFF;">=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;">Get=
 started with a free fund worth up to =C2=A320</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=
=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =
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=E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF </div>=0A=
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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=
                                    <!-- Title Start -->=0A=
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                                        <td class=3D"Font2 " =
align=3D"left" style=3D"padding:27px 0px 15px 0px;">=0A=
                                            <h1 class=3D"h1 =
darkmodeFont2" style=3D"font-family:'MonzoSansEB', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:48px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;;margin:0;padding:0">=0A=
                                                Your first fund is on =
us=C2=A0=0A=
                                            </h1>=0A=
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                                    <!-- Title End -->=0A=
                                    <!-- Paragraph Start -->=0A=
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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;margin:0;padding:0">=0A=
                                                Investing can feel =
overwhelming, but we=E2=80=99re here to make it breezy.  Invite a friend =
to join Monzo Investments, and when they get started, you=E2=80=99ll =
both receive a free fund worth either =C2=A35, =C2=A310 or =C2=A320. =
<br><br>=0A=
                                                =0A=
                                                Ts&amp;Cs and fees =
apply. Investments can go up and down, so you could get back less than =
you put in.=0A=
                                            </p>=0A=
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                                    <!-- Paragraph End -->=0A=
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sans-serif;font-weight:800;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Get =
started</a>=0A=
                                                                        =
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align=3D"left" style=3D"padding:0px 45px 30px;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=
                                    <!-- Title Start -->=0A=
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                                        <td class=3D"Font2 pt-20" =
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                                            <h1 class=3D"h1 =
darkmodeFont2" 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;;margin:0;padding:0">=0A=
                                                Invest in what matters, =
together=0A=
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                                    </tr>=0A=
                                    <!-- Title End -->=0A=
                                    <!-- Paragraph Start -->=0A=
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                                        <td class=3D"Font2 pt-0 pb-0" =
align=3D"left" style=3D"padding:10px 0px 30px 0px;">=0A=
                                            <p class=3D"p darkmodeFont2" =
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;margin:0;padding:0">=0A=
                                                Open an investment =
account with Monzo and invite a friend to start investing. Once they've =
joined and invested at least =C2=A31, you'll both get a surprise worth =
either =C2=A35, =C2=A310 or =C2=A320 to invest in a fund of your choice. =
<br><br>=0A=
=0A=
                                                Want to inspire others? =
Share your portfolio and any automated investing tools you=E2=80=99re =
using along the way.=0A=
                                            </p>=0A=
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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=
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                                                        <table =
width=3D"100%" border=3D"0" cellspacing=3D"0" cellpadding=3D"0">=0A=
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                                                                         =
       <![endif]-->=0A=
                                                                        =
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/i-YEM1eYXNsYCIkQpbtVwg~~/AAAHahA~/7N=
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style=3D"background-color:#218FB7;border-radius:25px;color:#ffffff;displa=
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sans-serif;font-weight:800;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Expl=
ore your options</a>=0A=
                                                                        =
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                        <!-- Intro End -->=0A=
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            <!-- Two Columns Start -->=0A=
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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=
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                        <tr>=0A=
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style=3D"padding-top:30px;border-radius:20px;">=0A=
                                <!-- Module 1 Start -->=0A=
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class=3D"fullWidth" width=3D"503" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
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pt;width:503px;" role=3D"presentation">=0A=
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                                        <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=
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                                                <tr>=0A=
                                                    <td =
class=3D"fullWidth mobile footer-group" valign=3D"middle">=0A=
                                                        <table =
valign=3D"middle" 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%;" 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;">Let =
experts do the hard work=0A=
                                                                </td>=0A=
                                                            </tr>=0A=
                                                            <!-- Title =
End -->=0A=
                                                            <!-- Copy =
Start -->=0A=
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                                                                <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;">We offer investments from BlackRock=E2=80=99s iShares range and =
beyond. You can pick ready-made funds or create your own portfolio, =
focusing on topics that matter to you. As one of the world=E2=80=99s =
largest fund managers, your money=E2=80=99s in expert hands.=0A=
                                                                </td>=0A=
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image source in src -->=0A=
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class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
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                                                                    =
We're an authorised and<br class=3D"hide-mobile"> regulated bank=0A=
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<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
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href=3D"https://clicks.monzo.com/f/a/MsIgLU3AjPF0amGf0A1AUw~~/AAAHahA~/2_=
-pDaPx5ykyJ9fLIQH-ev6SKtuAmTaeIaRZMGtkw_Vr9kSHORtlLF9yX5rpwBebvsSwWLApROR=
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style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:201px;" width=3D"201" =
alt=3D"Best British Bank 2025">=0A=
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href=3D"https://clicks.monzo.com/f/a/8DB2lT0nt-DEUFlhTzZGbA~~/AAAHahA~/Hv=
jNbpL0KPLObDHwVDFt1I-QyD4VLisQdtG0wyAtCW5kEWw-IYkwg9ECwOyRmHz5ZVJ0A9DkCS2=
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style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:157px;" width=3D"157" =
alt=3D"Best Credit Card 2024">=0A=
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target=3D"_blank" rel=3D"noopener noreferrer" style=3D"text-decoration: =
none;"><img =
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border=3D"0" height=3D"32" alt=3D"Trustpilot Logo" style=3D"max-height: =
32px; width: initial; margin: 0px;"><br><img =
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Stars" style=3D"max-height: 32px; width: initial; margin: 5px =
0px;"><br><img =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-US/2/57da77be0=
000ff000594bcdb/text@2x.png" border=3D"0" height=3D"14" =
alt=3D"TrustScore" style=3D"max-height: 14px; width: initial; margin: =
0px;"></a></p>=0A=
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height=3D"51" alt=3D"Which. Recommended provider">=0A=
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left;color:#112231">=0A=
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iShares=C2=AE and BlackRock=C2=AE are trademarks of BlackRock, used =
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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 =
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style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; =
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style=3D"max-width:31px;">=0A=
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href=3D"https://clicks.monzo.com/f/a/nM-QgPvei24rkXo6MFzsWg~~/AAAHahA~/mi=
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style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; =
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x;" width=3D"31" height=3D"30" alt=3D"Monzo TikTok">=0A=
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style=3D"max-width:31px;">=0A=
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height=3D"30" alt=3D"Monzo Instagram">=0A=
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