Last updated: 3 June 2026
By Stiv ยท Design, technology and personal finance
Monzo savings pots are one of the most useful features in UK banking, and most people still are not using them properly. If you have got a Monzo account and your spare cash is just sitting in the main balance earning nothing, you are leaving money on the table. Monzo savings pots take about 30 seconds to set up and start earning interest immediately. No paperwork. No separate app. Just tap, move money in, and watch it grow.
We have got about six pots running at any given time. Bills pot, holiday pot, emergency fund, a couple of savings pots earning interest, and one labelled "don't touch" that we absolutely do touch. It is one of those features that, once you start using it, you wonder how you ever managed without it.
This article is for general information only and does not constitute financial advice. Savings rates are variable and change frequently, so always verify current rates directly with providers. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.
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