Monzo × Amex
Connect Amex
to your
Monzo pot.
Every Amex transaction automatically moves the same amount into your Monzo pot. Your bill arrives — the money is already there.
Get started free →Free in beta. No payment details required.
How it works
How Monzo Amex sync works
Spend on your Amex, as normal.
Earn your points. Collect your rewards. Nothing changes on your end.
Potzo moves the same amount to your Monzo pot.
Automatically. Every transaction. Refunds come back too.
Your Monzo balance always tells the truth.
What you see is what you can actually spend. Your 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 Amex cards
Platinum, Gold, British Airways, Nectar, Cashback — if your Amex supports Open Banking, Potzo supports it. It also works with Barclaycard, Capital One, Virgin Atlantic, and most other UK credit cards.
Free during beta
No payment details required. No surprise charges. If pricing ever changes, we'll tell you clearly before anything happens.
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."
"Sounds heavenly."
Frequently asked questions
What is Potzo?
Potzo automatically moves money from your Monzo current 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. Each time a transaction appears, 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 hasan@potzo.cc — we read everything.
Ready to try it?
Free during beta. Takes about two minutes to set up.
Get started free →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.