monzo.com

No reachable sitemap.xml. Publish one and reference it in robots.txt.

Fix · Next.js: Add app/sitemap.ts (Next’s sitemap convention) and reference it from robots.txt.

No HTTP Link: response headers. Emit canonical/alternate/describedby relations so HEAD-only or stream-rendering agents get them without parsing HTML.

Fix: Emit `Link:` headers for canonical, alternate-language, and describedby relations. Agents that fetch HEAD-only or stream-render rely on these.

Visible text is 2.3% of HTML weight (12357/527289 bytes). Low. Markup may be crowding out agent-usable text.

Fix: Heavy ad or navigation markup crowds out agent-usable text. Aim for a text-to-DOM ratio above 15%.

Browser pass unavailable; HTML looks like a JS-shell (e.g. #__next / #root). Likely JS-dependent.

Fix · Next.js: Render primary content on the server: use Server Components (App Router) or getServerSideProps/SSG (Pages Router). Avoid fetching above-the-fold content in a client useEffect, since agents don’t run it.

Page looks like Article|BlogPosting|NewsArticle / FAQPage; missing JSON-LD type(s): Article|BlogPosting|NewsArticle, FAQPage.

Fix: Align JSON-LD type to page purpose. Product pages without Product markup are skipped by agent shopping flows.

Heading issues: no <h1>.

Fix: Use a single H1 and avoid skipping heading levels (H1 → H3).

Sitemap: https://monzo.com/sitemap.xml

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Monzo | Your New Favourite Bank Skip to Content Personal Current accounts It all starts with our personal current account Personal account Joint account Under 16s account 16-17s account See all current accounts Plans Upgrade your personal account from £3 a month Compare plans Why Monzo? Bank on an award-winning app Organise with Pots Earn cashback Travel without fees Spend with friends Get paid into Monzo Protect your money Connect your mortgage Pay and get paid Savings and ISAs Put your money to work with flexible ways to save. Instant Access Select Access Cash ISAs Under 16s Savings See all savings and ISAs Investments and pensions Investments Pensions Credit cards and loans Flex Purchase credit card Flex Build credit card Loans Overdrafts Insurance Home insurance Contents insurance Mobile plans Help and support Help centre Security at Monzo Staying safe from fraud Support with money worries Switching to Monzo Plus help Premium help Refer a friend Switch to Monzo Business Sign up Personal Business Sign up Loading Previous slide Slide 1 of 2 Slide 2 of 2 Next slide Monzo for all your money Get clear on your spending. Unlock smarter ways to save. Invest with confidence. Open a free bank account You could get back less than you invest. UK residents. Ts&Cs apply. Earn up to 3.65% AER (variable) with Select Access Park your savings and earn more interest, without locking your money away. Got Perks or Max? You'll get a boosted rate of 3.65% AER (variable). Explore Select Access Savings £500 minimum deposit. Free Monzo current account or plan required. UK residents 18+. Ts&Cs apply. Plans start from £7 a month. Tell me about... Bank accounts Savings and ISAs Investments Credit Travel Mortgages Pensions Manage your money today Get instant notifications, spending insights, and Pots to separate your money, with a free Monzo bank account. Free features Paid features Payday, the Monzo way Get paid one business day early, and the chance to double your salary, if you’re paid by Bacs. Sort your salary Send your salary to allocated Pots as soon as you get paid. Separate your money Create up to 20 Pots to keep things organised. Earn while you spend Shop and earn cashback at top brands like Asda, Boots and National Express. Manage your money today Upgrade your personal account to get our best money management tools. Free features Paid features Create your own categories Group your spending in a way that suits you. Connect other accounts See your other bank accounts and credit cards in Monzo. Save as you spend Automatically round up your spare change by 2, 5 or 10 times the amount. Create virtual cards Make and delete extra cards for budgeting and safer shopping. Humans on hand, 24/7 You can speak to a real-life human through our in-app chat – whenever, wherever. We're here for you 24/7. Join Monzo for free Make payday twice as nice We could double your salary if you get paid into Monzo by Bacs. There’ll be 10 lucky Monzo customers every month. Find out more Build your money for tomorrow Save for the things that matter. Save Invest Retire Earn 3.65% AER Earn up to 3.65 % AER (variable) with a Select Access Saving Pot or Select Access Cash ISA. 1 Save with roundups Automatically turn spare change into savings every time you spend. Interest is paid monthly. Get clear on your goals Give your Savings Pots a purpose with targets, names and images. 1. Select Access has a £500 minimum deposit. If you withdraw more than twice in 12 months, we’ll lower your rate to 2.60% AER (variable) if you have a free current account, or to 3.10% AER (variable) if you have Perks, Max, Plus or Premium until the one-year anniversary of opening this Pot. Build your money for tomorrow Funds to fund your future. The value of your investments could go up or down and you could get back less than you put in. Save Invest Retire Start small Build towards your future by investing as little as £1. Set it and forget it Automate your investments deposits to help build a habit. Learn with every tap Read our simple investing guides as you go. Transfer an ISA, get a bonus Get a bonus if you transfer an ISA of £1,000 or more to a Stocks & Shares ISA. Ts&Cs apply. 18+, Monzo current account required to invest. Build your money for tomorrow Save for future you. The value of your pension could go up or down and you could get back less than you put in. Save Invest Retire Find your old pensions Just tell us where and when you worked, and we’ll do the rest. Combine them in one place See all your pensions under one roof to get a clearer view of your future money. Make pensions less puzzling Our 90-second lessons break down everything you need to know. 18-70 years, Monzo current account required to open a pension. It all starts with a Hot Coral card Current account Our signature Hot Coral current account that fits your finances. Enjoy fee-free payments abroad, instant notifications, credit insights, Pots and automated roundups. Learn more UK residents. Ts&Cs apply. Flex An award-winning credit card with Section 75 protection. Get credit you can count on with a credit limit up to £10,000, 29% APR representative (variable), £1,200 credit limit, 29% yearly interest (variable). Learn more Eligibility criteria and Ts&Cs apply. Age 18+. UK residents. Not keeping up with payments may negatively impact your credit score. Each purchase is repaid over a maximum of 24 monthly payments. Joint account A shared bank account that helps you manage joint costs. Get dedicated joint account cards, and save together with Instant Access Savings Pots. Learn more You'll both need a Monzo account. Aged 18+. UK residents. Ts&Cs apply. Max Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more. Upgrade your current account from £17 a month. Learn more Ages 18-69. UK residents. 3 month minimum term. Ts&Cs apply. Perks Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat. Upgrade your current account for £7 a month. Learn more Age 18+. UK residents. Ts&Cs apply. Extra Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories. Upgrade your current account for £3 a month. Learn more Age 18+. UK residents. Ts&Cs apply. Under 16s account A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications. Learn more Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply. Under 16s account A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications. Learn more Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply. Under 16s account A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications. Learn more Ages 6-15. UK residents. 18+ parent/guardian account needed. Ts&Cs apply. Business account An account packed with everything you need to make life easier for you and your customers. Awarded Best Business Banking Provider at the 2024 British Bank Awards. Learn more Only sole traders or limited company directors in the UK can apply. Ts&Cs apply. Which? recommended 2 years in a row Join 15 million people already banking with Monzo. Join Monzo for free Security you can bank on Keep your money safe with industry-first fraud protection and 24/7 support. How we protect your money Call Status This feature tells you if you're really speaking to Monzo, or if it could be a scammer. It helps prevent around 1000 fraud attempts a month. Instant notifications Get notified the second you spend, so you're in the know wherever you go. Card freeze Instantly freeze your card in the app if it gets lost, stolen or you suspect fraud. Biometric login Switch on face or 

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