MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Independent service quality survey results. Personal current accounts. Published February 2021. As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million.

BANK ACCOUNT

Monzo. Free. A UK current account. With savings, borrowing and overdrafts. Your money is protected by the FSCS. Your eligible deposits are protected by the FSCS up to a value of £85,000 per person. Fee-free UK bank transfers. Send money to any UK bank for free. Pots for separating money.

MONZO HELP

From the UK. From abroad. Current Account. 0800 802 1281. +44 20 3872 0620. The number and email address above are only for customer support queries and we won't be able to help with other questions. We’re free to call, but if you’re calling from abroad, please be 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – MONZO FOR 16-17 YEAR OLDS Monzo for 16-17 year olds. A Monzo account with (almost) everything you get as an adult. Instant spending notifications and smart budgeting help you manage your own money, while blocks on some age-restricted things keep you safe. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UNDERSTANDING YOUR LIMITS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Independent service quality survey results. Personal current accounts. Published February 2021. As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million.

BANK ACCOUNT

Monzo. Free. A UK current account. With savings, borrowing and overdrafts. Your money is protected by the FSCS. Your eligible deposits are protected by the FSCS up to a value of £85,000 per person. Fee-free UK bank transfers. Send money to any UK bank for free. Pots for separating money.

MONZO HELP

From the UK. From abroad. Current Account. 0800 802 1281. +44 20 3872 0620. The number and email address above are only for customer support queries and we won't be able to help with other questions. We’re free to call, but if you’re calling from abroad, please be 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – MONZO FOR 16-17 YEAR OLDS Monzo for 16-17 year olds. A Monzo account with (almost) everything you get as an adult. Instant spending notifications and smart budgeting help you manage your own money, while blocks on some age-restricted things keep you safe. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UNDERSTANDING YOUR LIMITS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. GET A BUSINESS BANK ACCOUNT FROM MONZO Get a Business account. We charge £1 to pay in cash at PayPoint. And for countries outside the European Economic Area, you can take out �200 cash for free every 30 days. After that, we charge 3%. These charges cover our costs for these services and everything else is included in the plan price. MONZO – TONE OF VOICE Welcome to Monzo’s tone of voice guide. This is a (fairly) brief overview of how we write. It’s for everyone in every team, and it applies to all the writing we do, inside and out. We’ve opened this up to the world as well (hello world! 🌍), because we want to be held up to the lofty standards we set ourselves here. MONZO – MONZO FOR 16-17 YEAR OLDS Monzo for 16-17 year olds. A Monzo account with (almost) everything you get as an adult. Instant spending notifications and smart budgeting help you manage your own money, while blocks on some age-restricted things keep you safe. MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO – JOINT ACCOUNT You’ll both need a regular Monzo account already. After that, opening your joint account takes just a few minutes. No new ID checks, and no sending off lengthy applications. Just head to the settings on your account tab to get started. You can also switch an existing joint account over to Monzo in just a few taps - learn more here. MONZO HELP - MONZO'S ADDRESS Monzo's address. From Wednesday 27 May 2020, our official address has changed to: Monzo Broadwalk House 5 Appold Street London EC2A 2AG. We have a redirect service with Royal Mail for 6 months so any cheques or post sent to our old address will still reach us. MONZO EXCHANGE RATES A quick look at how exchange rates work. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly. HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. RECEIVING INTERNATIONAL PAYMENTS WITH MONZO When we published The Big List, one of the things we committed to doing was giving you the ability to send and receive international payments from your Monzo account.. In June we partnered with Wise and started rolling out the ability to send international payments from the Monzo app. You can find out how it works and how to send international payments here. HOW TO SPOT A POLICE IMPERSONATION SCAM PHONE CALL The police would never call you threatening to arrest you over the phone or to tell you they need your help to catch a fraudster. They'll never call you asking you to move money out of your bank account. If you think you've been a victim of a scam, you should also report it to Action Fraud by either calling 0300 123 2040, or by using their MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUSMONZO BUSINESS ACCOUNTSJOINT ACCOUNTSSAVING WITH MONZO Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

SOCIAL IMPACT

1.3 million people in the UK don't have access to a bank account. Lone parents, migrants and people living with a long-term illness are especially vulnerable groups.We want everyone who wants one to have access to a Monzo bank account, along with information to help them make good financial decisions. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUSMONZO BUSINESS ACCOUNTSJOINT ACCOUNTSSAVING WITH MONZO Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

SOCIAL IMPACT

1.3 million people in the UK don't have access to a bank account. Lone parents, migrants and people living with a long-term illness are especially vulnerable groups.We want everyone who wants one to have access to a Monzo bank account, along with information to help them make good financial decisions. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA.

SOCIAL IMPACT

1.3 million people in the UK don't have access to a bank account. Lone parents, migrants and people living with a long-term illness are especially vulnerable groups.We want everyone who wants one to have access to a Monzo bank account, along with information to help them make good financial decisions. MONZO – OUR ETHICS Our Ethics and Values. We started Monzo because we believe there should be an alternative to the banking of the past. We are focussing on solving customer problems, rather than selling financial products, as a way to offer what we hope will be the best current account in the

world.

MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. OUR 2020 DIVERSITY AND INCLUSION REPORT Between January 2018 and January 2020, the number of people of colour at Monzo has increased by 4.02%, from 19.9% to 20.7%. People of colour make up 10.96% of leadership roles, and 17.81% of technical roles. INTRODUCING MONZO CHAT So we’re introducing Monzo Chat – a completely bespoke bit of software we’ve built from the ground up to manage chats in the app. Monzo Chat. Monzo Chat fits what we and customers need better than anything off-the-shelf could for a few reasons. Firstly, managing in-app chat internally, rather than with a partner, is always going to

be the

MONZO HELP - UNDERSTANDING YOUR LIMITS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. WHAT SUPPORT IS AVAILABLE FOR MY SMALL BUSINESS DURING The Bounce Back Loan scheme. On 27th April, the government announced the Bounce Back Loan scheme, to fast-track support for small businesses who’ve been negatively affected by coronavirus. The scheme gives small and medium-sized businesses access to loans of between £2,000 and £50,000, for up to 6 years. FIGHTING FINANCIAL CRIME THE MONZO WAY Fighting Financial Crime the Monzo Way. If we want to disrupt traditional banking and sustain trust amongst our user community, keeping your money safe is a priority. One element that we are passionate about, but haven’t talked about much until now, is protecting our users from fraudsters and criminals, and all the work

that goes into

MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – JOINT ACCOUNT You’ll both need a regular Monzo account already. After that, opening your joint account takes just a few minutes. No new ID checks, and no sending off lengthy applications. Just head to the settings on your account tab to get started. You can also switch an existing joint account over to Monzo in just a few taps - learn more here. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – JOINT ACCOUNT You’ll both need a regular Monzo account already. After that, opening your joint account takes just a few minutes. No new ID checks, and no sending off lengthy applications. Just head to the settings on your account tab to get started. You can also switch an existing joint account over to Monzo in just a few taps - learn more here. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million.

BANK ACCOUNT

Monzo. Free. A UK current account. With savings, borrowing and overdrafts. Your money is protected by the FSCS. Your eligible deposits are protected by the FSCS up to a value of £85,000 per person. Fee-free UK bank transfers. Send money to any UK bank for free. Pots for separating money. MONZO EXCHANGE RATES A quick look at how exchange rates work. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly. MONZO BUSINESS FEATURES Monzo Business - 24/7 customer support. Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). MONZO HELP - UNDERSTANDING YOUR LIMITS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UNBLOCKING YOUR ACCOUNT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF MONZO.COMTRANSLATE THIS PAGE ‹ í½ÛvÛÈ®(ú~¾‚ËsôîΚ¦Âû%édmù®Ä’o² { 52(ŠºØ’¨ˆ’%Ù£ÇØÿpžÎ¯œÏÙ_r I‘ IQ’ÝÝ{®Ìž±i² B¡P( €úýß Îöëwç‡\gÜï}þ MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. 10 MAGICAL MONZO FEATURES 5. Pay your pals who also have Monzo, in a few taps 👯‍♀️. Rather than doing the awkward back and forth exchanging bank details, you can pay your contacts who’ve also got Monzo in just a MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – ENERGY SWITCHING WITH MONZO Energy switching through Monzo It’s hassle-free and could save you money on your bills. Plus you’ll get up to £50 credit when you

switch.

MONZO – JOINT ACCOUNT A separate joint account card. You’ll keep your personal Monzo account and card, and we’ll send you both a shiny new joint account card – with a different design so it’s easy to tell them apart. SUPPORTING OUR CUSTOMERS THROUGH MENTAL HEALTH PROBLEMS At Monzo we know that your mental health profoundly impacts how you manage your money. As the long term effects of the pandemic are emerging, we’re expecting to have more conversations with our customers about how their financial situation is MONZO HELP - UPDATING YOUR HOME ADDRESS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. 10 MAGICAL MONZO FEATURES 5. Pay your pals who also have Monzo, in a few taps 👯‍♀️. Rather than doing the awkward back and forth exchanging bank details, you can pay your contacts who’ve also got Monzo in just a MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – ENERGY SWITCHING WITH MONZO Energy switching through Monzo It’s hassle-free and could save you money on your bills. Plus you’ll get up to £50 credit when you

switch.

MONZO – JOINT ACCOUNT A separate joint account card. You’ll keep your personal Monzo account and card, and we’ll send you both a shiny new joint account card – with a different design so it’s easy to tell them apart. SUPPORTING OUR CUSTOMERS THROUGH MENTAL HEALTH PROBLEMS At Monzo we know that your mental health profoundly impacts how you manage your money. As the long term effects of the pandemic are emerging, we’re expecting to have more conversations with our customers about how their financial situation is MONZO HELP - UPDATING YOUR HOME ADDRESS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – DOWNLOAD MONZO Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation

Authority (PRA) and

MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. WHAT DO I NEED TO SET UP A MONZO ACCOUNT? Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - MAKING A BANK TRANSFER Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UNDERSTANDING YOUR LIMITS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO BUSINESS FEATURES Monzo Business - 24/7 customer support. Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). MONZO HELP - UNBLOCKING YOUR ACCOUNT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO.COMTRANSLATE THIS PAGE ‹ í½ÛvÛÈ®(ú~¾‚ËsôîΚ¦Âû%édmù®Ä’o² { 52(ŠºØ’¨ˆ’%Ù£ÇØÿpžÎ¯œÏÙ_r I‘ IQ’ÝÝ{®Ìž±i² B¡P( €úýß Îöëwç‡\gÜï}þ MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO HELP - PAYING IN A CHEQUE Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF

MONZO HELP

From the UK. From abroad. Current Account. 0800 802 1281. +44 20 3872 0620. The number and email address above are only for customer support queries and we won't be able to help with other questions. We’re free to call, but if you’re calling from abroad, please be MONZO – OUR ETHICS Our Ethics and Values. We started Monzo because we believe there should be an alternative to the banking of the past. We are focussing on solving customer problems, rather than selling financial products, as a way to offer what we hope will be the best current account in the

world.

TECHNOLOGY - MONZO BLOG Category Technology on the Monzo blog. Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. INTRODUCING MONZO CHAT So we’re introducing Monzo Chat – a completely bespoke bit of software we’ve built from the ground up to manage chats in the app. Monzo Chat. Monzo Chat fits what we and customers need better than anything off-the-shelf could for a few reasons. Firstly, managing in-app chat internally, rather than with a partner, is always going to

be the

MONZO HELP - MAKING A CASH DEPOSIT Making a cash deposit. If you'd like to pay cash into your Monzo account, you can deposit cash at any of 28,000 PayPoint locations across the UK. We pass on a £1 fee for making the deposit to help us cover the costs of the service. For example, if you deposit £10 then we'll add £9 to your account. If you deposit £100, we'll add £99. HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. WHAT SUPPORT IS AVAILABLE FOR MY SMALL BUSINESS DURING The Bounce Back Loan scheme. On 27th April, the government announced the Bounce Back Loan scheme, to fast-track support for small businesses who’ve been negatively affected by coronavirus. The scheme gives small and medium-sized businesses access to loans of between £2,000 and £50,000, for up to 6 years. HOW TO SPOT A POLICE IMPERSONATION SCAM PHONE CALL The police would never call you threatening to arrest you over the phone or to tell you they need your help to catch a fraudster. They'll never call you asking you to move money out of your bank account. If you think you've been a victim of a scam, you should also report it to Action Fraud by either calling 0300 123 2040, or by using their MONZO HELP - HOW TO CREATE A VIRTUAL CARD How to create a virtual card. Virtual cards are an exclusive Monzo Plus and Monzo Premium feature that makes buying online safer. Each virtual card you create has its own unique details, so you can buy online without using your real card's details. You can create virtual cards in the app, and have up to 5 MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS You can update your home address in the app. You’ll need to use your personal account PIN or TouchID to complete the process. Tap the Home icon in the menu bar. Tap your profile picture in the top left of the screen. Tap the settings cog icon in the top right of the screen. Tap your name, then scroll down to HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS You can update your home address in the app. You’ll need to use your personal account PIN or TouchID to complete the process. Tap the Home icon in the menu bar. Tap your profile picture in the top left of the screen. Tap the settings cog icon in the top right of the screen. Tap your name, then scroll down to HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they

BANK ACCOUNT

Monzo. Free. A UK current account. With savings, borrowing and overdrafts. Your money is protected by the FSCS. Your eligible deposits are protected by the FSCS up to a value of £85,000 per person. Fee-free UK bank transfers. Send money to any UK bank for free. Pots for separating money. MONZO EXCHANGE RATES A quick look at how exchange rates work. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly. HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF MONZO – FREQUENTLY ASKED QUESTIONS Call us on 0800 802 1281 or +44 203 872 0620 when calling from abroad. Email - Email us at complaints@monzo.com. Post - If you’d prefer, you can put your complaint in writing and send it to: Customer Advocacy Team, Broadwalk House, 5 Appold St. London, EC2A 2AG. ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEB Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they INTRODUCING MONZO CHAT So we’re introducing Monzo Chat – a completely bespoke bit of software we’ve built from the ground up to manage chats in the app. Monzo Chat. Monzo Chat fits what we and customers need better than anything off-the-shelf could for a few reasons. Firstly, managing in-app chat internally, rather than with a partner, is always going to

be the

HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. WHAT SUPPORT IS AVAILABLE FOR MY SMALL BUSINESS DURING The Bounce Back Loan scheme. On 27th April, the government announced the Bounce Back Loan scheme, to fast-track support for small businesses who’ve been negatively affected by coronavirus. The scheme gives small and medium-sized businesses access to loans of between £2,000 and £50,000, for up to 6 years. HOW TO SPOT A POLICE IMPERSONATION SCAM PHONE CALL The police would never call you threatening to arrest you over the phone or to tell you they need your help to catch a fraudster. They'll never call you asking you to move money out of your bank account. If you think you've been a victim of a scam, you should also report it to Action Fraud by either calling 0300 123 2040, or by using their MONZO FOR DEVELOPERS Monzo is the trading name of Focus FS Ltd, a company registered in England and Wales (No. 09446231) Focus FS Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS You can update your home address in the app. You’ll need to use your personal account PIN or TouchID to complete the process. Tap the Home icon in the menu bar. Tap your profile picture in the top left of the screen. Tap the settings cog icon in the top right of the screen. Tap your name, then scroll down to HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. Read about all this and more in our annual report for investors, our community and customers, with MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 2. Freeze and defrost your card ️. Freezing your card stops you from making any payments with your Monzo card. It’s useful if you think you’ve lost your card or it’s been stolen, to help stop anyone spending your hard earned cash. If your card turns up, you can defrost

it from the app.

MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS You can update your home address in the app. You’ll need to use your personal account PIN or TouchID to complete the process. Tap the Home icon in the menu bar. Tap your profile picture in the top left of the screen. Tap the settings cog icon in the top right of the screen. Tap your name, then scroll down to HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they

BANK ACCOUNT

Monzo. Free. A UK current account. With savings, borrowing and overdrafts. Your money is protected by the FSCS. Your eligible deposits are protected by the FSCS up to a value of £85,000 per person. Fee-free UK bank transfers. Send money to any UK bank for free. Pots for separating money. MONZO EXCHANGE RATES A quick look at how exchange rates work. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly. HOW TO GET A BANK STATEMENT FROM MONZO Head to the Account button under your Monzo card. Then tap 'Statement History'. Export the month you need. You can also get a full export of all your transactions in the Summary: Tap the pie chart at the top right of your account. Then tap 'Export & Bank Statements' at the bottom of the Summary screen. You can export your statement as a PDF MONZO – FREQUENTLY ASKED QUESTIONS Call us on 0800 802 1281 or +44 203 872 0620 when calling from abroad. Email - Email us at complaints@monzo.com. Post - If you’d prefer, you can put your complaint in writing and send it to: Customer Advocacy Team, Broadwalk House, 5 Appold St. London, EC2A 2AG. ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEB Access your account in an emergency with Monzo Web. We’re building a bank that lives on your smartphone. But if your wallet’s been stolen or you’ve lost your phone, we know it’s important to have a backup. You told us you’d find it useful to access Monzo online, so we’ve built a basic web interface that everyone can use when they INTRODUCING MONZO CHAT So we’re introducing Monzo Chat – a completely bespoke bit of software we’ve built from the ground up to manage chats in the app. Monzo Chat. Monzo Chat fits what we and customers need better than anything off-the-shelf could for a few reasons. Firstly, managing in-app chat internally, rather than with a partner, is always going to

be the

HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. WHAT SUPPORT IS AVAILABLE FOR MY SMALL BUSINESS DURING The Bounce Back Loan scheme. On 27th April, the government announced the Bounce Back Loan scheme, to fast-track support for small businesses who’ve been negatively affected by coronavirus. The scheme gives small and medium-sized businesses access to loans of between £2,000 and £50,000, for up to 6 years. HOW TO SPOT A POLICE IMPERSONATION SCAM PHONE CALL The police would never call you threatening to arrest you over the phone or to tell you they need your help to catch a fraudster. They'll never call you asking you to move money out of your bank account. If you think you've been a victim of a scam, you should also report it to Action Fraud by either calling 0300 123 2040, or by using their MONZO FOR DEVELOPERS Monzo is the trading name of Focus FS Ltd, a company registered in England and Wales (No. 09446231) Focus FS Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 5. Pay your pals who also have Monzo, in a few taps 👯‍♀️. Rather than doing the awkward back and forth exchanging bank details, you can pay your contacts who’ve also got Monzo in just a MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO – BANKING MADE EASYMONZO CURRENT ACCOUNTSMONZO PLUS ACCOUNTSMONZO BUSINESS ACCOUNTSMONZO JOINT ACCOUNTS Monzo Premium: Banking that makes a statement Turn heads with our white metal card, made from steel. Enjoy peace of mind with extensive phone and travel insurance, interest and much more. MONZO – ANNUAL REPORT 2020 Annual Report 2020. In the 2020 financial year we rocketed from 1.6 million to 3.9 million customers. Those customers spent £11 billion with Monzo in that 12 months, which helped quadruple our operating income from £9 million to £36 million. MONZO HELP - MAKING A COMPLAINT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. 10 MAGICAL MONZO FEATURES 5. Pay your pals who also have Monzo, in a few taps 👯‍♀️. Rather than doing the awkward back and forth exchanging bank details, you can pay your contacts who’ve also got Monzo in just a MONZO – CAREERS AT MONZO We’re building the best bank in the world. A bank you'd be proud to use - and that means bringing together a talented team with diverse experiences, backgrounds and skills. We believe there should be an alternative to the banking of the past: we're focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from MONZO HELP - GETTING A BANK STATEMENT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - PAYING IN A CHEQUESENDING A CHECK ONLINEBANK CHEQUE FORMATBANK CHEQUE TEMPLATESAMPLE BANK CHEQUEAMERICAN EXPRESS GIFT CHEQUE CASHINGCHEQUE CASHING NEAR ME Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEBMONZO ONLINE BANKINGMONZO BUSINESS BANKINGMONZO BUSINESS ACCOUNTMONZO CURRENT ACCOUNTMONZO BANK ACCOUNTMONZO ACCOUNT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - UPDATING YOUR HOME ADDRESS Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW TO GET A BANK STATEMENT FROM MONZO Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA.

BANK ACCOUNT

Personal current accounts. Published February 2021. As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to

friends and family.

MONZO EXCHANGE RATES A quick look at how exchange rates work. In Europe, the European Central Bank (ECB) publishes reference exchange rates between currencies based on a daily average of european central banks, but individuals can’t get those rates directly. MONZO – FREQUENTLY ASKED QUESTIONS Frequently Asked Questions. New to Monzo and got questions? Hopefully we can answer them below! If you already have a Monzo card, the Help tab in your app is the best place to find answers. ACCESS YOUR ACCOUNT IN AN EMERGENCY WITH MONZO WEB Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. WHAT SUPPORT IS AVAILABLE FOR MY SMALL BUSINESS DURING The government has announced a range of initiatives to support small businesses throughout the coronavirus pandemic. We've outlined what's available to help you understand the best options for your business. HOW TO GET A BANK STATEMENT FROM MONZO Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO HELP - MAKING A BANK TRANSFER Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. HOW WE CAN SUPPORT YOU IF SOMEONE WITH A MONZO ACCOUNT DIES Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. INTRODUCING MONZO CHAT Existing customers can get help via the app. Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. MONZO FOR DEVELOPERS Monzo is the trading name of Focus FS Ltd, a company registered in England and Wales (No. 09446231) Focus FS Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. CAN WE USE OPTIONAL COOKIES? We’re not talking about the crunchy, tasty kind. These cookies help us keep our website safe, give you a better experience and show more relevant ads. We won’t turn them on unless you accept. Want to know more or adjust your preferences? Here’s our cookie notice

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We offer overdrafts up to £1,000 and loans up to £15,000. Checking if you're eligible won't leave a mark on your credit score, there are no lengthy forms to fill in, and no charges for paying us back early. Borrowing with Monzo STAY SAFE WITH MONZO Your money in Monzo is FSCS protected up to £85,000. Compared to other UK banks, we’re 4x better at stopping card fraud, and 3x better at stopping identity theft. Find out more about bank security with Monzo INDEPENDENT SERVICE QUALITY SURVEY RESULTS Personal current accounts Published February 2021 As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 LARGEST PERSONAL CURRENT ACCOUNT PROVIDERS if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey. View full results of the independent service quality survey HELP US BUILD THE KIND OF BANK YOU WANT TO USE Download the Monzo app on iOS or Android and join the 5.24M people who've changed the way they bank. Download the Monzo app on iOS Download the Monzo app on Android

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* Information about our Personal Current Account Services * App and Open Banking Performance Download the Monzo app on iOS Download the Monzo app on Android * Existing customers can get help via the app Monzo Bank Limited is a company registered in England and Wales (No. 09446231). Monzo Bank Ltd is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA. Our Financial Services Register number is 730427.