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Monzo reduced its investment and pension fees on February 16, lowering the rates from 0.45% to 0.25% and from 0.35% to 0.20% for Perks and Max accounts. Customers will not exceed £250 in annual fees for these services.

The bank aims to improve customer value with these changes. Monzo's investment and pension products were migrated to Seccl in July 2025. Investments can be made via the Monzo app from £1, utilizing automation for scheduled deposits and roundups. Additionally, Monzo launched its self-invested personal pension in 2024, managed by Blackrock.