Monzo Refer a Friend: Unlock a Mystery Reward of £10, £20 or £50

Monzo is one of the UK’s most loved digital banks – and with good reason. From real-time spending alerts to smart budgeting tools, it makes managing your money effortless. But what’s even better? You can now earn free cash just by opening your own account…. and then to earn even more money, you can invite your friends to join – simply start by using my Monzo refer a friend link to set up your account: https://join.monzo.com/c/mxng0srf

The Monzo refer a friend scheme gives you a mystery reward of either £10, £20 or £50 when you sign up and start using Monzo. It’s quick, easy, and surprisingly generous and you can of course send your own custom refer a friend link to your friends to earn even more money – they too will also earn the above.

👉 Ready to get started? Use my referral link to set up your own Monzo account:
https://join.monzo.com/c/mxng0srf

What is the Monzo Refer a Friend Scheme?

When you invite someone to Monzo using your unique referral link, you’ll both receive a mystery reward – chosen at random – once your friend signs up and makes their first purchase with their Monzo card.

Here’s what makes it special:

Mystery reward: £10, £20, or £50
No minimum spend required
No hidden catches – just simple steps to follow

The Steps: How It Works

To qualify for the reward, your friend must complete these 4 steps within 30 days:

Tap your referral link
They must open your unique link and enter their phone number.
Download Monzo and sign up
Using the same phone number they entered after clicking your link.
Add money to their new Monzo account
Pay for something using Monzo
There’s no minimum amount – even a £1 coffee counts!

✅ Once they complete all the steps, you’ll both receive a random reward of £10, £20 or £50.
💡 Your reward is revealed as soon as your friend finishes the process – it’s instant!

Terms & Conditions: What You Need to Know about the Monzo refer a friend scheme

To ensure you and your friend qualify, here are the key terms based on Monzo’s official conditions:

Your friend must complete all 4 steps within 30 days of tapping your referral link.
If they don’t complete the steps within that time, neither of you will get a reward.
The mystery reward is selected randomly when the referral is successful.
Reward values: £10, £20, or £50.
Most users will receive £10, with fewer receiving the higher reward amounts (Monzo provides the exact percentages in the app).
By making a referral, you agree to Monzo’s full Terms and Conditions (linked in-app).

Why Recommend Monzo?

Let’s be honest – Monzo is one of the best banks out there for day-to-day money management:

Real-time notifications every time you spend
Smart budgeting tools to help track spending and set goals
Spending abroad with no hidden fees
Savings Pots to organise your money with ease
Bill splitting and instant transfers between friends

And now, with the updated Monzo refer a friend scheme, it’s also one of the easiest ways to earn a little extra money just by sharing something you already use and love.

Share the Love – and Maybe Score £50!

Whether you’re helping a mate discover a better way to bank or just keen to boost your balance with a surprise cash reward, the Monzo referral scheme is a fun and risk-free way to do it.

So go on – take a chance, share your link, and see what reward you unlock.

👉 Use my Monzo referral link to get started:
https://join.monzo.com/c/mxng0srf