Frequently asked questions

Potzo automatically moves money from your current account into a Monzo pot, based on what you've spent on your credit card - so the money is always set aside before your bill arrives.

Yes. Potzo is in open beta and free to use. Start using Potzo, connect your credit card and Monzo, and you're set.

Anyone can sign up and use Potzo today - there's no waitlist or invite. It's still a beta, so you might hit the odd rough edge. If you do, tell us in the community and we'll fix it.

We connect to your credit card via Open Banking and read your cleared transactions. You connect once and Potzo handles the rest.

Yes. Monzo is the only bank on the pot side for now - Potzo moves money directly into a Monzo pot of your choice. If you don't bank with Monzo, Potzo won't work for you yet.

Most major UK credit cards - Amex, Barclaycard, Capital One and others. If your card is available via Open Banking, Potzo will work with it.

Through Monzo's own developer API, using an access key that you generate yourself and give to Potzo - so you stay in control and can revoke it at any time. Your credit card connects separately via Open Banking. There's a full walkthrough on the Monzo connection page.

No. Potzo is independent and not officially affiliated with Monzo. As we grow, we'll work towards making that official.

Potzo syncs every hour, so your pot keeps up with your spending through the day.

Yes. We never see your login credentials. Your credit card connects via regulated Open Banking, and your data is encrypted in transit and at rest.

Potzo is free for everyone in the beta. We'll need to charge for it eventually, and we'll announce pricing well before general release. No free account will flip to paid without you agreeing to it.

Please do - that's most of the point of a beta. The best place is our community, where we're active and read everything.