Common Questions:
How do I backdate the missing days since the 1st January?
You don’t, the challenge rolls 365 days from the day you started, NOT from the 1st January - catch up is for if you pause payment into the pot at any point within your 365 day cycle.
Can I start the challenge after the 31st January 2025?
Yes, but only if you are on an Extras, Perks or Max plan and you will no longer be eligible for the £10,000 Prize Draw as you’ve started after the cut off.
How do you get the 4.10% AER on the challenge pot?
Members on a Extras, Perks or Max plan (Extras members who usually get 3.60% on their pots only get the 4.10% on this challenge pot).
How does the monthly draw for the £100 prize work?
Monzo will choose ten winners at random on the first working day of each calendar month starting from February 2025 to (and including) January 2026. They will contact all winners know by email or in the Monzo app and give the prize within 30 days. (Refer to Ts&Cs here)
Do existing Plus/Premium members also get the 4.10% AER on the challenge pot?
No, only members on an Extra, Perks or Max plan. (Refer to Abhi’s post here).
Can I opt out of earning interest on the challenge pot?
No - if you are a Extras, Perks or Max member and don’t want to earn interest, please use the IFTTT applet here (Refer to Abhi’s post here).
Can you pay into the challenge from a pot?
Not at present, but it has been noted as a feature request here.
How much will be put into the pot on day 365?
£3.65
Is there a table showing how much we can expect to put away each day/month?
You can use this Google Sheet here.
What is the Surprise Treat?
Wait till the 3rd March to find out.
Phew, think that covers everything? I’ll update it if there’s any other recurring ones I’ve missed.
Happy saving!! 
