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Monzo has reduced its investment and pension fees effective February 16, with fees lowered from 0.45% to 0.25% and from 0.35% to 0.20% for Perks and Max accounts. Customers will not pay more than £250 annually in fees.

The bank aims to enhance its Pensions and Investments offerings, which were migrated to Seccl in July 2025. Investments can be initiated through the Monzo app starting at £1, with automated features available. Monzo's self-invested personal pension, managed by Blackrock, launched in 2024.