Monzo Investments. Leave the hard work to us.
3 investment options
Experts take care of everything
£1 is all you need to start
You need a Monzo account to use Investments. UK residents. Ts&Cs apply.
The value of your investments could go up or down and you could get back less than you put in.
This graph isn't based on the investments we offer and doesn't show how your investments will perform.
Give yourself that investor status
Pick from 3 investment options
Choose from 3 ready-made options (known as funds) based on the risk level you’re happy with.
Let experts manage your money
BlackRock, one of the world’s largest fund managers, takes care of your funds in the background. So your money’s in expert hands.
Grow your investing know-how
Tap your way through investing essentials with our bite-sized topics in the app. They’re small but mighty – packed with investing know-how you can pick up in minutes.
A fund to fund your future
Pick the ready-made fund that suits your goals and the level of risk you’re happy to take. The longer you plan to keep your money invested, the more risk you may be willing to take. (You can only choose 1 fund for each account.)
The funds aim to invest your money in things that are 30% less carbon intensive (that’s the amount of carbon a company produces relative to its sales). This is compared to similar funds which don't consider carbon emissions when investing. See details on how these figures are calculated.
The three funds
Careful
You don’t want to take too much risk, so you’re happy with a potentially smaller return compared to what you might get with the other funds.
About 80% of money in this fund ends up in bonds, and about 20% in shares.
Balanced
You’re aiming for a higher return than Careful, with a medium level of risk. Your investment value could dip more compared to Careful too.
Roughly 34% of money in here ends up in bonds, and about 66% in shares.
Adventurous
You’re happy taking more risk if it means your returns could be higher. Your investment value may have more ups and downs than the other funds.
100% of money in this fund ends up in shares.
Investing pros do the hard work
We’ve teamed up with BlackRock, one of the world’s largest fund managers, who already help millions of people invest for their future.
BlackRock’s purpose is to help people experience financial wellbeing and feel more confident about their money.
They do this by offering ready-made funds to make investing easier and more accessible.
Learn with each tap
We have all sorts of investing topics for you to delve into. Understand the difference between saving and investing. Find out more about what you’re investing in. And dig deeper into the meaning behind risk and return.
Each topic is packaged up into clear, jargon-free chunks. So you can tap away, learning as you go.
Pay transparent fees
No guesswork here. You’ll pay 0.59% of your investment value in fees (that’s a 0.14% fund fee and a 0.45% platform fee). If you had £1,000 invested, you’d pay 48p a month (if there was no growth or withdrawals).
Plus or Premium customer? Then you’ll pay a lower platform fee of 0.35%. £1000 invested? You’d pay 40p a month (with no growth or withdrawals).
Your fees accrue daily, and are charged monthly.
Bring other ISAs over
Invest with us through a stocks and shares ISA and a general investment account. Got an existing cash ISA or stocks and shares ISA? Transfer it to us.
You can only pay into 1 stocks and shares ISA in a tax year. But you can still transfer it and carry on building with us.
Unless we offer the same funds, your other provider sells your investments and we reinvest the money. Depending on the investment price your provider has to sell at, your fund value could be worth less when it’s transferred.
Start small, think big
Invest as little as £1
Build towards your future, even with the smallest investment. You can always add more anytime.
Turn on regular investing
Regularly drip feeding money into your Pot could help you balance out ups and downs in the stock market that come along.
Take money out if you need
If you really need it, your money’s there for you to take too. But remember, the longer you invest, the more chance your money has to grow.
Learn the basics of investing
Your fund and ETFs
From the moment you open your Investment Pot and start investing, it’s over to the fund manager to look after the fund you’ve chosen.
Monzo Investments is here – leave the hard work to us
Become an investor and start building for the future, without having to do the hard work.
How do I know if investing is for me?
Have you been wondering, should I invest?
Last but certainly not least
You can find information on the 30% calculation in the prospectus for each fund. There's no guarantee that these aims will be met and the fund's carbon emission intensity score may change.
iShares® and BlackRock® are trademarks of BlackRock, used under licence. BlackRock has no obligation or liability in connection with any product or service offered by Monzo.
The information on this website is Monzo’s. BlackRock isn't responsible or liable for it, and BlackRock don’t guarantee it’s accurate, complete or reliable.
This isn’t financial advice. If you’d like some, it’s best to speak to a financial adviser.