Monzo × Amex
Move money to a pot every time you spend on Amex.
Every time you spend on your Amex, Potzo moves the same amount from your Monzo account into a pot. When the bill arrives, the money is already there.
Sign up for early access →Launching soon. Sign up to be the first to know.
How it works
Spend on Amex. Covered already.
Spend on your Amex, as normal.
Earn your points. Collect your rewards. Nothing changes on your end.
Potzo moves the same amount from your Monzo account into a pot.
Automatically, when the transaction settles - usually the same day or the next. Refunds flow back out of the pot too.
Your Monzo balance always tells the truth.
What you see is what you can actually spend. Your Amex bill is always covered.
Open Banking
Potzo connects via regulated Open Banking. We never see your login credentials, card numbers, or PIN. All connections are handled by Yapily - authorised and regulated by the FCA. How we keep your data safe →
All major UK credit cards
Platinum, Gold, British Airways, Nectar, Cashback - and it's not just Amex. Potzo also works with Barclaycard, Capital One, Virgin Atlantic, and most other UK credit cards.
Automatic
Automatically set aside money for your credit card bill
Keeping enough in your account to cover a credit card bill usually means mental arithmetic, spreadsheets, or remembering to move money to a pot yourself. Potzo does it for you. Every Amex purchase is matched by an automatic transfer from your Monzo account into a pot you choose - so the money is set aside the moment you spend it, not weeks later when the statement arrives.
What people are saying
"Another month where Potzo's got it bang on the nose. I am very happy. No stress at the end of the month."
"This is all I've ever wanted from Monzo."
"Certainly feels missing from Monzo"
Frequently asked questions
Can I move money to a Monzo pot every time I spend on my Amex?
Yes - that's exactly what Potzo does. Link your Amex via Open Banking and, when each transaction settles, Potzo moves the same amount from your Monzo account into a pot you choose. Your Amex bill is always covered.
Is there a way to automatically set aside money for my credit card bill when I spend?
Yes. Potzo automatically sets aside money from your Monzo account into a pot every time you spend on your credit card. It works with Amex, Barclaycard, Virgin, Capital One and most UK cards via Open Banking - so your credit card bill is always covered before it arrives.
What is Potzo?
Potzo automatically moves money from your Monzo account into a pot, matching every transaction you make on your credit card. When your bill arrives, the money is already there.
How does Potzo sync my Amex to Monzo?
Potzo connects to your Amex via Open Banking and reads your cleared transactions. When each transaction settles, Potzo moves the same amount from your Monzo account into a pot - automatically, without you doing anything.
Do I need a Monzo account?
Yes. Potzo works by moving money into Monzo pots. You'll need an active Monzo account to use it.
Is Potzo official?
No. Potzo is independent and not officially affiliated with Monzo or American Express. We connect to both via regulated Open Banking.
Which Amex cards are supported?
All major UK Amex cards - including Platinum, Gold, British Airways, Nectar, and Cashback. If your card supports Open Banking, Potzo supports it.
Does it work with other credit cards too?
Yes. Potzo works with almost every major UK credit card, not just Amex. Barclaycard, Capital One, Lloyds, Virgin Atlantic - if it connects via Open Banking, Potzo will sync it.
How often does Potzo sync?
Currently three times a day. We plan to increase sync frequency as we scale, to better support pending transactions.
Is Potzo secure?
Yes. Potzo connects via Open Banking - we never see your login credentials or card numbers. All connections are handled by Yapily, authorised and regulated by the FCA.
Does it cost anything?
Potzo is free during the beta. If pricing ever changes, we'll tell you clearly before anything happens.
Can I suggest a feature?
Yes please. Email help@potzo.cc - we read everything.
Ready to try it?
Launching soon. Sign up to hear when we go live.
Sign up for early access →Potzo (FRN: 1054076) operates as an appointed agent of Yapily Connect, who are authorised and regulated by the Financial Conduct Authority. Built by two brothers who use it themselves.