Must not have had an acct or applied before. US only. - *must sign up through the link* After you sign up, spend $5 on your card. You can either: Link Monzo card to your phone wallet & use it as contactless pay to get $5 gas (what I did) -or whatever online-… or you can wait (they sent mine 2-day fedex for free!) for when the card arrives and use it that way. Once you spend $5 on the card with a merchant, they immediately credit your acct $15. You also get $15 for anyone YOU refer.