Chase UK's flat 1% paid me £15 a month on £1,800 of spending; Monzo Perks paid £8.90. Chase wins for brainless cashback on general spending, but Monzo overtakes it at Sainsbury's, Greggs, Deliveroo and Uber. The honest move is to keep both cards and route each purchase to whichever pays more.
Standing order automation UK guide: chain Monzo, Starling and Plum to move £2,500+ on salary day without touching your phone. Timing gotchas covered.
How to use Monzo pots standing order automation to pre-load rent before it fires — timing, bank holiday edge cases, and layering Plum or Chip safely on top.
I ran a full direct debit audit on my Monzo account using Emma and Snoop at the same time. Here's the category breakdown — and where the real subscription leakage was hiding.
Compare the best round up savings apps UK 2026 — Chase, Monzo, Starling, Plum & Moneybox. See real 12-month projections and step-by-step setup guides.