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.
Request your invite →The beta is live and free. Invite-only for now - we're letting people in weekly.
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. Connections are handled through a regulated Open Banking provider. 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
"Potzo has been a god send! Being able to set and forget, and just know that come the end of the month when my Amex statement comes through, that everything is there and accounted for, it saves a heck of a lot of stress!"
It's so easy to setup and link your accounts, and requires minimal ongoing maintenance. It just works! Bravo to the developers for creating something actually useful, and listening to ongoing feedback during development.
"Genuinely, a massive game changer for someone obsessed with tracking money in a very very lazy way."
"This is the only thing 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.
Can I use Potzo right now?
The beta is live, but it's invite-only. Leave your email on potzo.cc and we'll send you an invite - we let a new batch of people in each week. It's free while in beta.
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. Connections are handled through a regulated Open Banking provider.
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?
The beta is live. Leave your email and we'll send you an invite.
Request your invite →Potzo is not affiliated with Monzo or American Express. Both are trademarks of their respective owners. Built by two brothers who use it themselves.