Monzo Referral Code UK 2026: How to Get & Use It
Get a working Monzo referral code for 2026. Step-by-step guide to claiming your Monzo sign-up bonus, plus tips to maximise your reward.
You earn
£10 - £50
Referrer earns
£10 - £50
Minimum qualifying spend: £1
Monzo is one of the UK's most popular digital banks, and their referral programme lets both you and a friend earn a cash bonus when you sign up using a referral link. This guide explains exactly how to get and use a Monzo referral code in 2026, including the current reward amount and qualifying steps.
How to Use a Monzo Referral Code
Get a Monzo referral link
Find a valid Monzo referral link from ReferMonkey or ask an existing Monzo user to share theirs with you.
Download the Monzo app
Install the Monzo app from the App Store or Google Play using the referral link you received.
Create your Monzo account
Sign up with your personal details, verify your identity with a photo ID, and wait for your card to arrive.
Make a qualifying payment
Use your Monzo card to make a card payment (e.g., a contactless purchase or online transaction) to meet the referral terms.
Receive your bonus
Your referral bonus will be credited to your Monzo account, usually within a few days of your qualifying payment.
Tips for Maximising Your Monzo Referral Bonus
- Your first contactless payment in a shop is the quickest way to qualify for the referral bonus.
- Make sure you sign up through the referral link, not directly from the App Store, or the bonus will not be tracked.
- You can refer friends yourself once your account is active to earn additional bonuses.
- Check the Monzo app for your own referral link under the Account tab.
Ready to claim your Monzo referral bonus?
Get a verified Monzo referral code and earn £10 - £50 when you sign up.
Get Monzo Referral CodeMonzo Referral Code -- Frequently Asked Questions
How much is the Monzo referral bonus in 2026?
The Monzo referral bonus amount changes periodically. Check the current reward amount shown above for the latest figure. Both the referrer and the new user receive a bonus.
How long does it take to receive the Monzo referral bonus?
Monzo typically credits the referral bonus within a few days of the referred friend making their first qualifying card payment.
Can I use a Monzo referral code if I already have an account?
No. The Monzo referral bonus is only available to new customers who have never held a Monzo account before.
Is there a limit to how many people I can refer to Monzo?
Yes. Monzo caps the number of successful referrals per user, though the exact limit varies. Check the Monzo app for your current referral allowance.
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