Monzo × Santander
Move money to a pot every time you spend on Santander.
Every time you spend on your Santander 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 Santander.Covered already.
Spend on your Santander card, as normal.
Collect your cashback, 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 Santander bill is always covered.
Open Banking
You authenticate directly with Santander. Potzo never sees your login details, card number or PIN. How we keep your data safe →
Santander cards that work
Rewards Credit Card, All in One Credit Card, Everyday Long Term Balance Transfer Credit Card, Everyday No Balance Transfer Fee Credit Card, World Elite Mastercard (Select and Private Banking customers only) Santander acquired TSB in April 2026, but the two are still separate banks. A TSB card connects as TSB, not as Santander.
Automatic
Automatically set aside money for your Santander bill
Connect your Santander card once. Potzo then moves the amount of every cleared transaction into your Monzo pot.
The Rewards card pays cashback on everyday spending, so most of your spending ends up on it. Potzo keeps your Monzo balance matched.
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 Santander card?
Yes - that is exactly what Potzo does. Link your Santander card via Open Banking and, when each transaction settles, Potzo moves the same amount from your Monzo account into a pot you choose. Your Santander bill is always covered.
Which Santander cards are supported?
All five. World Elite is only open to Select and Private Banking customers.
I have a TSB card. Does that count as Santander?
No. Santander acquired TSB in April 2026, but they are still separate banks with separate connections. A TSB card connects as TSB.
How does Potzo sync my Santander card to Monzo?
Potzo connects to your Santander 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 Santander. 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, Santander or TSB. All are trademarks of their respective owners. Built by two brothers who use it themselves. See all supported cards.