Five years of Sprive on my own mortgage: £10,237.41 overpaid, a remortgage from Nationwide to Halifax, and what the cashback actually added.
October 6, 2026Comments are off for this post.
Premium Bonds Alternatives UK 2026: Prize Savings Accounts Compared
Four Premium Bonds alternatives open to new savers, with each provider's published odds, prize tables, access rules and protection.
October 4, 2026Comments are off for this post.
What Is a Sprive Boost? Seven Days, and What It Actually Pays
A Sprive boost lifts your cashback rate for seven days, and it arrives on its own. What mine paid, and why Supercharge is a display toggle rather than extra cashback.
September 29, 2026Comments are off for this post.
Is Monzo Max Worth It? I Priced the Three Policies
Last updated: 21 September 2026. I checked every Monzo figure and every comparison price on this page that day.
By Stiv · Design, technology and personal finance
Affiliate disclosure: This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority (FCA), the UK's financial regulator. I pay for Perks and have never held Max. So the verdict below is arithmetic from Monzo's own plan pages, its three policy booklets and published prices, rather than a year of living with the plan.
Opening a Monzo account first?
Every Monzo plan sits on top of a Monzo current account. My referral page has the live offer and the steps to claim it.
Monzo plans2026 edit
Worth it if you would buy two of the three policies anyway
Is Monzo Max worth it? Only if you would otherwise pay for at least two of the three insurance policies it bundles. Max costs £10 a month more than Perks, which comes to £120 a year. For that, it adds worldwide travel insurance, worldwide phone insurance and UK and Europe breakdown cover. I priced standalone versions of all three and they came to £290.66 a year. A household that needs all three therefore comes out well ahead. By contrast, someone who needs only one of them does not.
Still weighing up the Monzo range? My Monzo guides hub collects the lot, including the price rise, the Perks verdict and the Perks vs Max comparison.
Read more
September 17, 2026Comments are off for this post.
Bank of England Base Rate: Where It Stands and What It Means
The Bank of England base rate is 3.75% after a 6 to 3 vote on 17 September 2026. What the hold means for mortgages, savings and energy bills.
September 16, 2026Comments are off for this post.
Which Lenders Does Sprive Support?
Sprive's FAQ names sixteen lenders. The download banner on the same page says fourteen. Here is the full list, the two numbers, and what to do if yours is missing.
September 15, 2026Comments are off for this post.
Monzo Perks vs Max: Which Plan Should You Pay For?
The gap between Monzo Perks and Max is £10 a month, and it buys three insurance policies. Priced honestly against buying them separately.
September 2, 2026Comments are off for this post.
Is Monzo Perks Worth It? A Year of Paying for It
A year of paying £9 a month for Monzo Perks, with the honest maths on what I actually claim and what earns nothing.
August 22, 2026Comments are off for this post.
Monzo Perks and Max Price Increase 2026: Every New Price
Monzo Perks goes from £7 to £9 a month and Max from £17 to £19. Here are all the new plan prices, the dates that matter, and the honest maths.
August 18, 2026Comments are off for this post.
Which Supermarkets Does Sprive Support?
Seven supermarkets. Seven rates. One catch: the cashback never reaches your bank account, it goes straight at your mortgage. Here's exactly what Sprive pays at Tesco, ASDA, M&S and the rest, taken from my own app rather than a press release.
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