Monzo × HSBC
Move money to a pot every time you spend on HSBC.
Every time you spend on your HSBC credit card, 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 HSBC.Covered already.
Spend on your HSBC card, as normal.
Collect your reward points, take the 0% period, spend as normal. Nothing changes on your end.
Potzo moves the same amount from your Monzo account into a pot.
Automatically, when the transaction settles. Syncing runs every hour, and 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 HSBC bill is always covered.
Open Banking
You authenticate directly with HSBC. Potzo never sees your login details, card number or PIN. How we keep your data safe →
HSBC cards that work
Balance Transfer Credit Card, Purchase Plus Credit Card, Rewards Credit Card, Classic Credit Card, Premier World Elite Mastercard (Premier account holders only) If you hold an M&S Bank credit card, that is now issued by HSBC UK Bank plc as well, following the transfer completed in June 2026.
Automatic
Automatically set aside money for your HSBC bill
Connect your HSBC card once. From then on, Potzo matches every cleared transaction with a transfer from your Monzo account into a pot you choose.
Every HSBC card works, from Classic through to Premier World Elite.
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 HSBC card?
Yes - that is exactly what Potzo does. Link your HSBC card via Open Banking and, when each transaction settles, Potzo moves the same amount from your Monzo account into a pot you choose. Your HSBC bill is always covered.
Which HSBC cards are supported?
All of them. Premier World Elite is only open to Premier account holders.
Does Potzo work with my M&S Bank card?
Yes. M&S Bank credit cards are now issued by HSBC UK Bank plc, following the transfer completed in June 2026, so it is the same bank underneath and the same connection.
How does Potzo sync my HSBC card to Monzo?
Potzo connects to your HSBC card 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.
How often does Potzo sync?
Potzo syncs every hour, so your pot keeps up with your spending through the day.
Do I need a Monzo account?
Yes. Potzo works by moving money into Monzo pots. You will need an active Monzo account to use it.
Can I use Potzo right now?
The beta is live, but it is invite-only. Leave your email on potzo.cc and we will send you an invite - we let a new batch of people in each week. It is free while in beta.
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.
Is Potzo official?
No. Potzo is independent and not officially affiliated with Monzo or HSBC. We connect to both via regulated connections.
Does it cost anything?
Potzo is free during the beta. If pricing ever changes, we will tell you clearly before anything happens.
Ready to try it?
The beta is live. Leave your email and we'll send you an invite.
Potzo Ltd is registered in England and Wales (Company No. 16789794), registered office 128 City Road, London, EC1V 2NX. Potzo is not affiliated, associated, or in any way officially connected with Monzo, HSBC or M&S Bank. All are trademarks of their respective owners. Built by two brothers who use it themselves. See all supported cards.