Updated posts August 2026
Monzo Launches Investment Feature With £1 Minimum, Powered by BlackRock
British digital bank Monzo has launched a new investment feature that allows users to start investing with as little as £1.
The feature, called Investments, is powered by BlackRock, one of the world’s largest asset managers. It offers users a choice of three funds: Careful, Balanced, and Adventurous. The Careful fund is designed for investors looking to minimize risk, while the Adventurous fund suits those willing to take on more risk in pursuit of potentially higher returns.
Designed for Simplicity
Monzo says it designed the Investments feature to be as simple and easy to use as possible. Customers can begin investing in just a few minutes by following the steps directly within the Monzo app.
“We know that there are a lot of barriers that stop people from investing,” said TS Anil, Monzo’s co-founder and CEO. “We wanted to create a product that was affordable, accessible, and easy to use, so that anyone could get started.”
A recent survey by Monzo found that 69 percent of people in the UK are unsure where to go for an accessible, simple to use investing product. The same survey found that 60 percent of adults would be inclined to invest if the minimum investment amount were low.
A Barrier to Investing, Finally Addressed
What makes Monzo’s £1 minimum particularly notable isn’t the technology behind it, but what it says about the actual obstacle keeping people out of investing in the first place. Monzo’s own data suggests the barrier was never really about desire to invest, but about the intimidating minimums and complexity many platforms impose. By stripping both away, Monzo is essentially betting that accessibility, not education or incentive, was the missing piece all along.
Monzo’s Investments feature is available now to all eligible customers, with the company planning to roll it out to its full customer base in the coming weeks.
Part of a Broader Fintech Push
The launch of Investments is part of Monzo’s broader push into new areas of financial services. The company recently launched a new savings product called Monzo Save, and is also planning to launch a credit card in the near future.
Monzo is one of several British fintech companies expanding into new financial services. Revolut, for example, has also launched its own investment product, while Nutmeg remains a leading online investment platform in the UK market.
The growth of fintech more broadly is being driven by several factors, including the rising popularity of mobile banking, the increasing cost of living, and growing demand for personalized financial services.
Monzo’s Investments feature stands as a strong example of how fintech companies are using technology to make financial services more accessible and affordable for everyone.
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