https://static-assets.monzo.com/monzo-com/e2dd208e37221e4c19d9aaeb…/[category]/[article]-42cc74dcb3360074.js

1(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[8135],{77542:function(e,t,i){(window.__NEXT_P=window.__NEXT_P||[]).push(["/learn/[category]/[article]",function(){return i(80557)}])},59726:function(e,t,i){"use strict";i.d(t,{Z:function(){return n.x8Z}});var n=i(65481)},72335:function(e,t,i){"use strict";i.d(t,{Z:function(){return n.WDY}});var n=i(65481)},41537:function(e,t,i){"use strict";i.d(t,{Z:function(){return n.Vpu}});var n=i(65481)},50115:function(e,t,i){"use strict";i.d(t,{D:function(){return n.HrI}});var n=i(65481)},61529:function(e,t,i){"use strict";i.d(t,{e:function(){return Z},E:function(){return a}});var n,a,r=i(52322),s=i(12524),o=i.n(s),l=i(65481),c=i(32160);let d=e=>(0,r.jsx)(l.Cbj,{...e,renderCookieModal:e=>{let{open:t,setOpen:i}=e;return(0,r.jsx)(c.M,{showCookieModal:t,setShowCookieModal:i})}});var u=i(22812),m=i.n(u);let h={mobile:{media:"(max-width: 549px)",dimensions:g({width:1,height:1},517)},tabletPortrait:{media:"(max-width: 767px)",dimensions:g({width:1,height:1},719)},tabletLandscape:{media:"(max-width: 1439px)",dimensions:g({width:1,height:1},672)},desktop:{media:"(min-width: 1440px)",dimensions:g({width:1,height:1},672)}},_=h.desktop.dimensions;function g(e,t){return{width:t,height:Math.round(t/(e.width/e.height))}}var x=i(45215),f=i.n(x);function p(e,t){let i=new URL(e);return i.searchParams.delete("fit"),i.searchParams.delete("h"),i.searchParams.set("w",String(t)),i.toString()}function b(e){return(0,r.jsx)("img",{alt:e.alt,className:o()(f().img,e.className),loading:"lazy",src:p(e.src,_.width),srcSet:Object.values(h).map(t=>{let{dimensions:i}=t;return"".concat(p(e.src,i.width)," ").concat(i.width,"w")}).join(","),width:e.originalWidth,height:e.originalHeight})}var v=i(59125),j=i.n(v);function k(e){return(0,r.jsxs)("video",{"aria-label":e["aria-label"],autoPlay:!0,className:o()(j().video,e.className),loop:!0,muted:!0,playsInline:!0,children:[(0,r.jsx)("source",{src:e.webm,type:"video/webm"}),(0,r.jsx)("source",{src:e.mp4,type:"video/mp4"})]})}var y=i(25232),N=i.n(y);function A(e,t){let i=new URL(e);return i.searchParams.set("fit","fill"),i.searchParams.set("w",String(t.width)),i.searchParams.set("h",String(t.height)),i.toString()}function C(e){return(0,r.jsxs)("picture",{children:[Object.values(h).map(t=>{let{media:i,dimensions:n}=t;return(0,r.jsx)("source",{height:n.height,media:i,srcSet:["".concat(A(e.src,{height:2*n.height,width:2*n.width})," 2x"),"".concat(A(e.src,n)," 1x")].join(","),width:n.width},i)}),(0,r.jsx)("img",{alt:e.alt,className:N().fluidImg,loading:"lazy",src:A(e.src,_),width:_.width,height:_.height})]})}var w=i(39097),I=i.n(w),S=i(2784);function M(e){let{href:t,analytics:i,children:n}=e;return t?(0,r.jsx)(l.mTR,{analytics:i,href:t,children:(0,r.jsx)(I(),{href:t,children:n})}):(0,r.jsx)(S.Fragment,{children:e.children})}var T=i(87713),E=i.n(T);function P(e){return(0,r.jsx)("div",{className:o()(E().frame,E()[e.placement]),children:e.children})}function Z(e){let t;let i=e.media._tag;switch(e.orientation){case"MEDIA_FIRST":t=m().mediaFirst;break;case"CONTENT_FIRST_ON_MOBILE_MEDIA_FIRST_ON_TABLET_AND_UP":t=m().contentFirstOnMobileThenMediaFirst;break;default:t=m().contentFirst}return(0,r.jsxs)("div",{className:o()(m().cols,t,e.backgroundColor?m().hasBgColor:m().noBgColor,"FluidImage"===i&&m().fluid,"FixedImage"===i&&m().fixed,"FixedYouTubeShorts"===i&&m().fixed,"FramedImage"===i&&m().framed,e.className),style:e.backgroundColor?{backgroundColor:e.backgroundColor}:void 0,children:[(0,r.jsx)("div",{className:m().mainCol,children:e.children}),(0,r.jsx)("div",{className:o()(m().imgCol,e.imgColClassName),children:(0,r.jsxs)(M,{href:e.mediaHref,analytics:e.analytics,children:["FluidImage"===i&&(0,r.jsx)(C,{...e.media}),"FixedYouTubeShorts"===i&&(0,r.jsx)(d,{...e.media,format:"short"}),"FixedImage"===i&&(0,r.jsx)(b,{...e.media}),"FixedVideo"===i&&(0,r.jsx)(k,{...e.media}),"FramedImage"===i&&(0,r.jsx)(P,{placement:e.media.placement,children:(0,r.jsx)(b,{...e.media})}),"FramedVideo"===i&&(0,r.jsx)(P,{placement:e.media.placement,children:(0,r.jsx)(k,{...e.media})})]})})]})}(n=a||(a={})).ContentFirst="CONTENT_FIRST",n.ContentFirstOnMobileMediaFirstOnTabletAndUp="CONTENT_FIRST_ON_MOBILE_MEDIA_FIRST_ON_TABLET_AND_UP",n.MediaFirst="MEDIA_FIRST"},19344:function(e,t,i){"use strict";i.d(t,{W:function(){return n.Qfu},Z:function(){return n.rB1}});var n=i(65481)},25154:function(e,t,i){"use strict";i.d(t,{Z:function(){return _}});var n=i(52322),a=i(79130),r=i.n(a);i(2784);var s={src:"https://static-assets.monzo.com/monzo-com/e2dd208e37221e4c19d9aaebc6e3d3d6000de24d/_next/static/media/facebook.1c207190.svg",height:24,width:24,blurWidth:0,blurHeight:0},o={src:"https://static-assets.monzo.com/monzo-com/e2dd208e37221e4c19d9aaebc6e3d3d6000de24d/_next/static/media/link.09039e53.svg",height:24,width:24,blurWidth:0,blurHeight:0},l={src:"https://static-assets.monzo.com/monzo-com/e2dd208e37221e4c19d9aaebc6e3d3d6000de24d/_next/static/media/linkedin.c31869dc.svg",height:16,width:16,blurWidth:0,blurHeight:0},c=i(50810),d=i(23643),u=i(65030),m=i.n(u);let h=r().bind(m());var _=function(e){let{shareURL:t,layout:i="floating",hiddenPlatforms:a=[]}=e,r={facebook:(0,c.c)(s),mail:(0,c.c)(o),linkedIn:(0,c.c)(l)},u="floating"===i?{facebook:"/images/social-logos/dark/facebook.svg",mail:"email",linkedIn:"/images/social-logos/dark/linkedin.svg"}:r,_={...!a.includes("facebook")&&{facebook:(0,n.jsx)(d.z,{icon:{icon:u.facebook,size:"large",type:"image",forceLightMode:!0},styleType:"link",className:m().socialButton,href:"http://www.facebook.com/sharer/sharer.php?lang=en&u=".concat(t),ariaLabel:"Share the article on Facebook",openInNewTab:!0},"facebook")},...!a.includes("mail")&&{mail:(0,n.jsx)(d.z,{icon:{icon:u.mail,size:"large",type:"floating"===i?"builtin":"image"},styleType:"link",className:m().socialButton,href:"mailto:?&subject=Check%20out%20this%20blog%20post:".concat(t,"&body=").concat(t),ariaLabel:"Share the article via email",openInNewTab:!0},"mail")},...!a.includes("linkedIn")&&{linkedIn:(0,n.jsx)(d.z,{icon:{icon:u.linkedIn,size:"large",type:"image",forceLightMode:!0},styleType:"link",className:m().socialButton,href:"https://www.linkedin.com/shareArticle?mini=true&url=".concat(t,"&source=Monzo"),ariaLabel:"Share the article on LinkedIn",openInNewTab:!0},"linkedIn")}},g=h({SocialWidgets:!0,floating:"floating"===i,embedded:"embedded"===i});return(0,n.jsx)("aside",{className:g,children:Object.keys(_).map(e=>_[e])})}},12234:function(e,t,i){"use strict";i.d(t,{Z:function(){return n.nb$}});var n=i(65481)},59445:function(e,t,i){"use strict";i.d(t,{Z:function(){return n.eIc}});var n=i(65481)},20495:function(e,t,i){"use strict";i.d(t,{o:function(){return h}});var n=i(52322),a=i(20204),r=i(12524),s=i.n(r),o=i(50238),l=i(61529),c=i(50115),d=i(12226),u=i.n(d);let m=s().bind(u()),h=e=>(0,n.jsx)(o.Y,{children:(0,n.jsx)(l.e,{media:{_tag:"FixedYouTubeShorts",...e},orientation:e.videoFirst?l.E.MediaFirst:l.E.ContentFirst,children:(0,n.jsx)(c.D,{buttons:e.microArticle.button?[{href:e.microArticle.button.url,children:e.microArticle.button.text}]:void 0,markdownBody:(0,a.h)(e.microArticle.description),markdownClassName:m(u().richText,{[u().legacyTextColor]:e.useLegacyTextColor}),title:e.microArticle.title})})})},92038:function(e,t,i){"use strict";var n=i(52322),a=i(2784),r=i(79130),s=i.n(r),o=i(54773),l=i(59726),c=i(12234),d=i(75194),u=i(65826),m=i(59445),h=i(28981),_=i(23643),g=i(8579),x=i.n(g);let f=s().bind(x());t.Z=function(e){let{title:t,description:i,meta:r,buttons:s,background:g,forceDarkMode:p,card:b,className:v}=e,[j]=(0,a.useContext)(u.N),k=(0,o.FU)(),y=f({simpleHero:!0,["".concat(g)]:g&&"string"==typeof g,dark:j.darkMode||p,light:!j.darkMode&&!p,card:b},v);return(0,n.jsx)("div",{className:y,children:(0,n.jsxs)(l.Z,{padding:b?["xxlarge","large"]:["small","medium"],verticalAlign:b?"bottom":"middle",horizontalAlign:b?"left":"center",textAlign:b?"left":"center",width:b?"auto":"full",background:g,forceDarkMode:p,children:[r&&((null==r?void 0:r.version)||(null==r?void 0:r.type))&&(0,n.jsxs)("div",{className:x().tagWrapper,children:[r.version&&(0,n.jsx)(c.Z,{color:h.OG.PaleTeal,text:k.string({key:"app_monzo_com.legal.version",message:"Version {{ label }}",variables:{label:r.version}})}),r.type&&(0,n.jsx)(c.Z,{color:h.OG.PaleBlue,text:r.type})]}),(0,n.jsx)(m.Z,{semanticHeading:"h1",size:"xxlarge",textAlign:b?"left":"center",forceDarkMode:p,children:t}),i&&!b&&(0,n.jsx)(d.ZP,{lead:!0,forceDarkMode:p,marginBottom:null!=s,children:i}),i&&b&&(0,n.jsx)(m.Z,{semanticHeading:"h2",forceDarkMode:p,children:i}),r&&r.date&&(0,n.jsx)(d.ZP,{marginBottom:!1,children:r.date}),null!=s&&s.length&&(0,n.jsx)("div",{className:x().buttonContainer,children:s.map(e=>(0,a.createElement)(_.z,{...e,key:e.id,forceDarkMode:p}))})]})})}},25314:function(e,t,i){"use strict";i.d(t,{n:function(){return f}});var n=i(52322),a=i(5632),r=i(50238),s=i(35422),o=i(30243),l=i(99067),c=i(44179),d=i(40156),u=i(13201),m=i(23456),h=i(65007),_=i(18691),g=i(58402),x=i(65525);let f=e=>{let{background:t,children:i,experiments:f,initialAnonID:p,featureGates:b,dynamicText:v,stickyElement:j}=e,k=(0,a.useRouter)(),y=_.i.all.getLocaleOrDefaultByI18nName(k.locale).language.localeCode,N="es"===k.locale,A=N?o.Qs:s.Qs,C=N?c.Qs:l.Qs,w=N?(0,o.gz)():(0,s.gz)(),I=N?o.c3:s.c3,S=N?o.A4:s.A4;return(0,n.jsx)(n.Fragment,{children:(0,n.jsxs)(g.Z,{featureGates:b,initialAnonID:p,experiments:f,dynamicText:v,children:[(0,n.jsx)(d.Z,{logoLink:A.href,navigationConfig:[{id:"personal",text:A.text,href:A.href,isMobileVisible:!0,defaultDesktopItemId:A.defaultDesktopItemId,items:w},{id:"business",text:C.text,href:C.href,isMobileVisible:!1,defaultDesktopItemId:C.defaultDesktopItemId,items:[]}],mobileExtras:I,navigationExtras:S,stickyElement:j}),(0,n.jsx)(u.Z,{background:t,children:i}),(0,n.jsx)(r.Y,{fullWidthOnMobile:!0,noBottomPadding:!0,children:(0,n.jsx)(m.P,{...(0,x.sg)(h.yZ.PERSONAL,y)})})]})})}},69552:function(e,t,i){"use strict";i.d(t,{d:function(){return _}});var n=i(52322),a=i(50238),r=i(65481);let s=()=>[{text:"Current accounts",columns:1,landmarks:[{text:"Current accounts",description:"It all starts with our personal current account",items:[{text:"Personal account",href:"/ie/current-account/personal",imageSrc:"https://images.ctfassets.net/ro61k101ee59/5YbPc80KtuBfIntPiSjn75/9b6ae5e72315a39e6e1b02859f4addd1/card.hotcoral.svg"},{text:"Joint account",href:"/ie/current-account/joint-account",imageSrc:"https://images.ctfassets.net/ro61k101ee59/2vbdNZUYmSRWxNiE6ipbOT/92f9cc14848c99c858b264565ee14eb0/card.joint.svg"},{text:"Under 16s account",href:"/ie/current-account/under-16s",imageSrc:"https://images.ctfassets.net/ro61k101ee59/7oMBP2PbMLf6iNob1vNUGK/2e8b49b674ae0700f3622035e351d893/card.neon.all.svg"},{text:"16-17s account",href:"/ie/current-account/16-17",imageSrc:"https://images.ctfassets.net/ro61k101ee59/5YbPc80KtuBfIntPiSjn75/9b6ae5e72315a39e6e1b02859f4addd1/card.hotcoral.svg"}]}]},{text:"Why Monzo?",navigationDesktopSize:"large",landmarks:[{text:"Why Monzo?",shouldExpandOddItem:!1,items:[{text:"Organise your money",href:"/ie/features/money-management",imageSrc:"https://images.ctfassets.net/ro61k101ee59/53bwIZOfPYE2xgyDY0k42J/ea6bf318655497ace67555672dc7e837/pots.svg"},{text:"Spend with friends",href:"/ie/features/monzo-split",imageSrc:"https://images.ctfassets.net/ro61k101ee59/7wAJD44qaro3cciDOuctJI/446895bc052f8ccb126729f3552bbaef/sharing.with.friends.svg"},{text:"Travel without fees",href:"/ie/features/travel",imageSrc:"https://images.ctfassets.net/ro61k101ee59/6Y908ZElEHqnqab1W02vno/e9e3d8fdf58a4870ea3ca6abf22dd923/travel.svg"},{text:"Pay and get paid",href:"/ie/features/payments",imageSrc:"https://images.ctfassets.net/ro61k101ee59/27EEjeuAuB3g5LA00qQJ2d/1612aaea629d2ff4793edc3c8dcada84/pain.free.payments.svg"},{text:"Overdrafts",href:"/ie/overdrafts",imageSrc:"https://images.ctfassets.net/ro61k101ee59/32sgROAO0cxeASkUSssbVh/ad17b0cdf427d6ba170f0786f8d709ce/Umbrella.svg"}]}]},{text:"Savings",items:[{text:"Instant Access Savings",href:"/ie/savings/instant-access"},{text:"Savings features",href:"/ie/savings"}]},{text:"Security",href:"/ie/security",locale:!1}

1,{text:"Help and support",href:"/ie/help",locale:!1},{text:"Join the community",href:"https://community.monzo.com/c/monzoireland/90",locale:!1},{text:"About us",href:"/ie/about-us",locale:!1}];var o=i(40156),l=i(13201),c=i(23456),d=i(65007),u=i(18691),m=i(58402),h=i(65525);let _=e=>{let{background:t,children:i,experiments:_,initialAnonID:g,featureGates:x,dynamicText:f,stickyElement:p}=e,b=(0,r.DKk)({redirect:"https://monzo.com/ie/sign-up",vertical:d.yZ.PERSONAL,store:d.ud.BOTH_STORES,region:u.i.all.alpha2RegionCode.IE});return(0,n.jsx)(n.Fragment,{children:(0,n.jsxs)(m.Z,{featureGates:x,initialAnonID:g,experiments:_,dynamicText:f,children:[(0,n.jsx)(o.Z,{logoLink:"/ie",navigationConfig:[{id:"personal",text:"Personal",href:"/ie",isMobileVisible:!0,defaultDesktopItemId:"Help and support",items:s()},{id:"business",text:"Business",href:"/ie/business-banking",isMobileVisible:!1,defaultDesktopItemId:"Eligibility",items:[]}],mobileExtras:[{href:b,text:"Apply for a current account"}],navigationExtras:[{href:b,text:"Sign up"}],stickyElement:p}),(0,n.jsx)(l.Z,{background:t,children:i}),(0,n.jsx)(a.Y,{fullWidthOnMobile:!0,noBottomPadding:!0,children:(0,n.jsx)(c.P,{...(0,h.sg)(d.yZ.PERSONAL,"en-IE")})})]})})}},15943:function(e,t,i){"use strict";i.d(t,{Z:function(){return g}});var n=i(52322),a=i(50238),r=i(6434),s=i(40156),o=i(13201),l=i(23456),c=i(65007),d=i(65481),u=i(65525),m=i(25314),h=i(69552),_=i(58402);function g(e){let{background:t,children:i,onlyLight:g=!1,experiments:x,initialAnonID:f,featureGates:p,dynamicText:b,stickyElement:v}=e,j=(0,d.xBA)(d.i5Z.all).pageLocale,{alpha2:k}=j.region,y=(0,d.iC2)(),N=(0,d.DKk)({redirect:"https://monzo.com/sign-up",vertical:c.yZ.PERSONAL,store:c.ud.BOTH_STORES,region:d.i5Z.all.alpha2RegionCode.GB});return"IE"===k?(0,n.jsx)(h.d,{background:t,dynamicText:b,experiments:x,featureGates:p,initialAnonID:f,stickyElement:v,children:i}):"ES"===k?(0,n.jsx)(m.n,{background:t,dynamicText:b,experiments:x,featureGates:p,initialAnonID:f,stickyElement:v,children:i}):(0,n.jsx)(n.Fragment,{children:(0,n.jsxs)(_.Z,{featureGates:p,initialAnonID:f,experiments:x,dynamicText:b,onlyLight:g,children:[(0,n.jsx)(s.Z,{logoLink:"/",navigationConfig:[{id:"personal",text:"Personal",href:"/",isMobileVisible:!0,defaultDesktopItemId:"Current accounts and plans",items:(0,r.g)()},{id:"business",text:"Business",href:"/business-banking",isMobileVisible:!1,defaultDesktopItemId:"features",items:[]}],mobileExtras:y?[{href:N,text:"Apply for a current account"}]:[],navigationExtras:(null==b?void 0:b.nav)&&y?[{href:N,text:null==b?void 0:b.nav}]:[],stickyElement:v}),(0,n.jsx)(o.Z,{background:t,children:i}),(0,n.jsx)(a.Y,{fullWidthOnMobile:!0,noBottomPadding:!0,children:(0,n.jsx)(l.P,{...(0,u.sg)(c.yZ.PERSONAL,j.language.localeCode)})})]})})}},80557:function(e,t,i){"use strict";i.r(t),i.d(t,{__N_SSP:function(){return q},default:function(){return Y}});var n=i(52322),a=i(20204),r=i(82562),s=i(47235),o=i(5632),l=i(59726),c=i(72335),d=i(41537),u=i(73738),m=i(19344),h=i(25154),_=i(75194),g=i(59445),x=i(92967),f=i(7922),p=i(28981),b=function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"monzo.com";if("string"==typeof e){if(["https://","http://"].includes(e))return!0;if(e.startsWith("/")||e.startsWith("./"))return!1}try{return!("string"==typeof e?new URL(e,"https://".concat(t)):e).host.includes(t)}catch(e){return!1}},v=i(65481),j=i(20495),k=i(92038),y=i(1508),N=i(15943),A=i(56022),C=i.n(A),w=i(62902),I=i.n(w),S=i(83480),M=i.n(S);function T(e){let{url:t,image:i,title:a,subtitle:r,date:s}=e,o=new Date(s).toLocaleString("en-GB",{weekday:"long",year:"numeric",month:"long",day:"numeric"}).replace(/,/g,"");return(0,n.jsxs)(n.Fragment,{children:[(0,n.jsxs)("a",{href:t,className:M().articleCard,children:[i&&(0,n.jsx)("div",{children:(0,n.jsx)("img",{className:M().image,src:"".concat(i,"?w=120&h=100&fit=fill"),alt:""})}),(0,n.jsxs)("div",{className:M().content,children:[a&&(0,n.jsx)("h2",{className:M().title,children:a}),r&&(0,n.jsx)("h3",{className:M().subtitle,children:r}),s&&(0,n.jsx)("p",{className:M().date,children:o})]})]}),(0,n.jsx)("hr",{className:M().hr})]})}var E=i(79130),P=i.n(E),Z=i(15035),R=i.n(Z);let L=P().bind(R());function D(e){let{name:t,title:i,image:a}=e,r=L({author:!0});return(0,n.jsxs)("aside",{className:r,children:[(0,n.jsxs)("div",{className:R().content,children:[(0,n.jsx)("h2",{className:R().name,children:t}),(0,n.jsx)("h3",{className:R().jobTitle,children:i})]}),a&&(0,n.jsx)("div",{className:R().imageContainer,children:(0,n.jsx)("img",{className:R().image,src:"".concat(a.src,"?w=100&h=100"),width:100,height:100,alt:a.alt})})]})}i(2784);var F=i(95947),O=i.n(F);let B=P().bind(O());function G(e){let{asset:t,options:i}=e,a={src:t.url,alt:t.description},{width:r,quality:s}=i||{width:{small:820,medium:1500,large:2800},quality:75};return(0,n.jsxs)("picture",{children:[(0,n.jsx)("source",{type:"image/avif",media:"(max-width: 410px)",srcSet:"".concat(a.src,"?w=").concat(r.small,"&q=").concat(s,"&fm=avif")}),(0,n.jsx)("source",{type:"image/webp",media:"(max-width: 410px)",srcSet:"".concat(a.src,"?w=").concat(r.small,"&q=").concat(s,"&fm=webp")}),(0,n.jsx)("source",{type:"image/avif",media:"(max-width: 750px)",srcSet:"".concat(a.src,"?w=").concat(r.medium,"&q=").concat(s,"&fm=avif")}),(0,n.jsx)("source",{type:"image/webp",media:"(max-width: 750px)",srcSet:"".concat(a.src,"?w=").concat(r.medium,"&q=").concat(s,"&fm=webp")}),(0,n.jsx)("source",{type:"image/avif",media:"(min-width: 751px)",srcSet:"".concat(a.src,"?w=").concat(r.large,"&q=").concat(s,"&fm=avif")}),(0,n.jsx)("source",{type:"image/webp",media:"(min-width: 751px)",srcSet:"".concat(a.src,"?w=").concat(r.large,"&q=").concat(s,"&fm=webp")}),(0,n.jsx)("img",{src:"".concat(a.src,"?w=").concat(r.large/2,"&q=").concat(s),alt:a.alt,width:r.large/2,loading:"lazy"})]})}function H(e){let{asset:t}=e;return(0,n.jsx)("img",{className:O().image,src:"".concat(t.url),alt:t.description})}function z(e){let{asset:t,imageOptions:i}=e;switch(t.contentType){case"image/jpg":case"image/png":case"image/webp":return(0,n.jsx)(G,{asset:t,options:i});case"image/gif":case"image/svg+xml":return(0,n.jsx)(H,{asset:t});default:return null}}function W(e){let{assets:t,displayStyle:i,caption:s,imageOptions:o}=e,l=B({mediaContainer:!0,stacked:"stacked"===i});return(0,n.jsxs)("figure",{className:l,children:[t.map(e=>(0,n.jsx)(z,{asset:e,imageOptions:o},e.url)),s&&(0,n.jsx)("figcaption",{children:(0,a.h)(s,{renderMark:{[r.oN.BOLD]:e=>(0,n.jsx)("strong",{children:e}),[r.oN.UNDERLINE]:e=>(0,n.jsx)("u",{children:e})},renderNode:{[r.RG.PARAGRAPH]:(e,t)=>(0,n.jsx)("p",{children:t})},renderText:e=>e})})]})}let U=e=>{var t,i,A;let{articleData:w,authorCollection:S,relatedArticlesCollection:M,category:E}=e,{mainContent:P,pageTitle:Z,openGraphImage:R,openGraphDescription:L,noindex:F,heroHeading1:O,heroDescription:B,heroBackgroun

1dImage:G,heroBackgroundColor:H,authorPlacement:z,heroVariant:U,mobileHeroBackgroundImage:q,socialSharePosition:Y,sys:V}=w,J=null===(A=w.mainContent)||void 0===A?void 0:null===(i=A.links)||void 0===i?void 0:null===(t=i.assets)||void 0===t?void 0:t.block,K=(0,o.useRouter)(),{buildLinkAction:Q}=(0,f.RS)(),X=K.asPath,$="https://monzo.com".concat(X),ee=()=>({renderMark:{[r.oN.BOLD]:e=>(0,n.jsx)("strong",{children:e}),[r.oN.UNDERLINE]:e=>(0,n.jsx)("u",{children:e})},renderNode:{[r.RG.PARAGRAPH]:(e,t)=>(0,n.jsx)("p",{className:I().paragraph,children:t}),[r.RG.HEADING_1]:(e,t)=>(0,n.jsx)("h1",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h1,children:t}),[r.RG.HEADING_2]:(e,t)=>(0,n.jsx)("h2",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h2,children:t}),[r.RG.HEADING_3]:(e,t)=>(0,n.jsx)("h3",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h3,children:t}),[r.RG.HEADING_4]:(e,t)=>(0,n.jsx)("h4",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h4,children:t}),[r.RG.HEADING_5]:(e,t)=>(0,n.jsx)("h5",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h5,children:t}),[r.RG.HEADING_6]:(e,t)=>(0,n.jsx)("h6",{id:(0,v.V3Z)((0,v.Mky)(t)),className:I().h6,children:t}),[r.RG.OL_LIST]:(e,t)=>(0,n.jsx)("ol",{className:I().orderedList,children:t}),[r.RG.UL_LIST]:(e,t)=>(0,n.jsx)("ul",{className:I().unorderedList,children:t}),[r.RG.LIST_ITEM]:(e,t)=>(0,n.jsx)("li",{className:I().listItem,children:t}),[r.RG.HR]:(e,t)=>(0,n.jsx)("hr",{}),[r.RG.QUOTE]:(e,t)=>(0,n.jsx)("blockquote",{children:t}),[r.RG.TABLE]:(e,t)=>{if(!Array.isArray(t))return;let i=t[0],a=null==t?void 0:t.slice(1);if(i&&a)return(0,n.jsx)("div",{className:I().tableContainer,children:(0,n.jsxs)("table",{children:[(0,n.jsx)("thead",{children:i}),(0,n.jsx)("tbody",{children:a})]})})},[r.Ev.HYPERLINK]:(e,t)=>(0,n.jsx)("a",{href:e.data.uri,target:b(e.data.uri)?"_blank":"_self",rel:"noopener noreferrer",...Q({analytics:{link_type:f.Un.Inline,link_text:(0,v.Mky)(t),link_location:"article"},href:e.data.uri}),children:t}),[r.RG.EMBEDDED_ENTRY]:e=>{var t,i,a,s,o,l,d;let u=null==P?void 0:null===(a=P.links)||void 0===a?void 0:null===(i=a.entries)||void 0===i?void 0:null===(t=i.block)||void 0===t?void 0:t.find(t=>{var i;return(null==t?void 0:null===(i=t.sys)||void 0===i?void 0:i.id)===e.data.target.sys.id});if(!u)return null;switch(u.__typename){case"WebBlockCta":return(0,n.jsx)(c.Z,{text:u.text||"",backgroundColour:p.lP.Secondary,containerColour:p.lP.Secondary,buttons:[{href:u.href||"",children:u.cta||""}]});case"MediaContainer":let m=(null===(s=u.mediaEntriesCollection)||void 0===s?void 0:s.items.filter(e=>null!=e).map(e=>({url:(null==e?void 0:e.url)||"",description:(null==e?void 0:e.description)||"",contentType:(null==e?void 0:e.contentType)||""})))||[];return(0,n.jsx)(W,{assets:m,displayStyle:u.displayStyle||"stacked",caption:(null===(o=u.caption)||void 0===o?void 0:o.json)||void 0});case"YoutubeShortAndMicroArticle":if((null==u?void 0:u.__typename)!=="YoutubeShortAndMicroArticle")return null;return(0,n.jsx)(j.o,{videoId:u.videoId||"",videoName:u.videoTitle||"",thumbnailImage:{url:(null===(l=u.thumbnailImage)||void 0===l?void 0:l.url)||"",alt:u.title||""},microArticle:{title:u.title||"",description:(null===(d=u.description)||void 0===d?void 0:d.json)||{content:[],data:{},nodeType:r.RG.DOCUMENT}},videoFirst:u.videoFirst||!1,useLegacyTextColor:u.useLegacyTextColor||!1});default:return console.warn("Unhandled embedded entry type: ".concat(u.__typename),u),null}},[r.RG.EMBEDDED_ASSET]:e=>{let t=null==J?void 0:J.find(t=>{var i;return(null==t?void 0:null===(i=t.sys)||void 0===i?void 0:i.id)===e.data.target.sys.id});return t&&t.url?(0,n.jsx)(m.Z,{background:p.lP.Secondary,children:(0,n.jsx)(l.Z,{horizontalAlign:"center",verticalAlign:"middle",padding:["none","none"],margin:["none","medium"],children:(0,n.jsx)(d.Z,{src:t.url,alt:t.description||"",width:t.width||800})})}):null}},renderText:e=>e}),et=p.lP.Primary,ei=!0;"Light"===H&&(ei=!1);let en=(null==V?void 0:V.publishedAt)?(0,s.Z)(new Date(V.publishedAt),"dd MMMM yyyy"):"";"Hot Coral"===H&&(et=p.OG.Coral);let ea=(null==G?void 0:G.url)?G.url:null,er=(null==q?void 0:q.url)?q.url:ea,es="business-banking"===E.webSlug?y.Z:N.Z;return(0,n.jsx)(es,{children:(0,n.jsxs)(n.Fragment,{children:[(0,n.jsx)(u.Z,{pageTitle:Z||"",ogTitle:Z||"",ogimage:(null==R?void 0:R.url)||"",description:L||"",ogDescription:L||"",noindex:F||!1}),(0,n.jsxs)("article",{className:I().outerArticle,children:["Card"===U&&(0,n.jsx)(v.C_I,{title:O||"",description:B||"",backgroundImage:ea?{source:{small:er||"",large:ea}}:void 0}),"Simple"===U&&(0,n.jsx)(k.Z,{forceDarkMode:ei,title:O||"",description:B||"",background:et,card:!0}),("None"===U||!U)&&(0,n.jsx)("div",{className:I().hero,children:(0,n.jsxs)("div",{className:I().heroContent,children:[en&&(0,n.jsx)(_.ZP,{className:I().timestamp,children:en}),(0,n.jsx)(g.Z,{semanticHeading:"h1",size:"xxlarge",textAlign:"left",children:O}),B&&(0,n.jsx)(g.Z,{className:I().h2,semanticHeading:"h2",size:"small",children:B})]})}),(0,n.jsxs)("div",{className:[I().innerArticle,C().prose].join(" "),children:[("Top"===Y||!Y)&&(0,n.jsx)("div",{className:I().social,children:(0,n.jsx)(h.Z,{shareURL:$,layout:"embedded",hiddenPlatforms:["twitter"]})}),"Above Content"===z&&(null==S?void 0:S.length)>0&&(0,n.jsxs)("div",{className:I().authors,children:[(0,n.jsx)(x.Z,{is:"h2",children:"Authors"}),null==S?void 0:S.map(e=>(0,n.jsx)(D,{...e},e.name))]}),P&&P.json.content.map(e=>(0,n.jsx)(n.Fragment,{children:(0,a.h)(e,ee())})),(0,n.jsx)("hr",{className:I().hr}),"Below Content"===z&&(null==S?void 0:S.length)>0&&(0,n.jsxs)("div",{className:I().authors,children:[(0,n.jsx)(x.Z,{is:"h2",children:"Authors"}),null==S?void 0:S.map(e=>(0,n.jsx)(D,{...e},e.name)),(0,n.jsx)("hr",{className:I().hr})]}),"Bottom"===Y&&(0,n.jsx)("div",{className:I().social,children:(0,n.jsx)(h.Z,{shareURL:$,layout:"embedded",hiddenPlatforms:["twitter"]})}),!!M.length&&(0,n.jsxs)("aside",{className:I().associatedArticles,children:[(0,n.jsx)("h2",{className:I().h2,children:"Explore more from Monzo"}),null==M?void 0:M.map(e=>(0,n.jsx)(T,{...e},e.title))]})]})]})]})})};U.analytics={name:"article"};var q=!0,Y=U},22812:function(e){e.exports={cols:"MediaColumn_cols__nkmt_",mediaFirst:"MediaColumn_mediaFirst__JI_se",contentFirstOnMobileThenMediaFirst:"MediaColumn_contentFirstOnMobileThenMediaFirst__CC1BY",hasBgColor:"MediaColumn_hasBgColor__qCXGq",fixed:"MediaColumn_fixed__MLiCd",imgCol:"MediaColumn_imgCol__b49C_",framed:"MediaColumn_framed__b9M_4",mainCol:"MediaColumn_mainCol__gXGq2"}},45215:function(e){e.exports={img:"FixedImage_img__63oBg"}},59125:function(e){e.exports={video:"FixedVideo_video__AeveE"}},25232:function(e){e.exports={fluidImg:"FluidImage_fluidImg__Yjtvb"}},87713:function(e){e.exports={frame:"MediaPlacement_frame__y1n7S",bottom:"MediaPlacement_bottom__i189Q",bottomLeft:"MediaPlacement_bottomLeft__3Ts_r",bottomRight:"MediaPlacement_bottomRight__IEp5m",center:"MediaPlacement_center__VbO67",left:"MediaPlacement_left__NWe4y",right:"MediaPlacement_right__W3lRq",top:"MediaPlacement_top__hmn79",topLeft:"MediaPlacement_topLeft__lKbN1",topRight:"MediaPlacement_topRight__ZdCyI"}},65030:function(e){e.exports={SocialWidgets:"SocialWidgets_SocialWidgets__g6Zf0",floating:"SocialWidgets_floating__D4FWX",embedded:"SocialWidgets_embedded__FOhuN",socialButton:"SocialWidgets_socialButton__F8TWm"}},12226:function(e){e.exports={richText:"ContentfulYoutubeShortAndMicroArticle_richText__HajMC",legacyTextColor:"ContentfulYoutubeShortAndMicroArticle_legacyTextColor__yR6G6"}},8579:function(e){e.exports={simpleHero:"SimpleHero_simpleHero__hvZeo",card:"SimpleHero_card__aVlwp",paleOrange:"SimpleHero_paleOrange__UlALN",palePink:"SimpleHero_palePink__Cv6iY",paleNeon:"SimpleHero_paleNeon__e1Pam",paleTeal:"SimpleHero_paleTeal__j_qNr",paleBlue:"SimpleHero_paleBlue__vqN_P",paleOlive:"SimpleHero_paleOlive__rFmMJ",buttonContainer:"SimpleHero_buttonContainer__LsRRQ",tagWrapper:"SimpleHero_tagWrapper__NxNJZ"}},62902:function(e){e.exports={outerArticle:"Article_outerArticle__xthG6",hero:"Article_hero__87M_C",heroContent:"Article_heroContent__5c4P3",h2:"Article_h2__tBjZL",timestamp:"Article_timestamp__ihRe8",social:"Article_social__Hg6J_",innerArticle:"Article_innerArticle__D7Kou",authors:"Article_authors__4Kwqt",hr:"Article_hr__plbqH",associatedArticles:"Article_associatedArticles__Ec0w4",h3:"Article_h3__FI3nC",h4:"Article_h4__6XekV",h5:"Article_h5__KU1rP",h6:"Article_h6__AqkfL",paragraph:"Article_paragraph__NbJyB",tableContainer:"Article_tableContainer__CQeCN",orderedList:"Article_orderedList__ANXve",unorderedList:"Article_unorderedList___xwYk",caption:"Article_caption__MzTUK",footnotes:"Article_footnotes__5BdsK",title:"Article_title__8beci",terms:"Article_terms__FhdRB",breadCrumbsWrapper:"Article_breadCrumbsWrapper__Auvso"}},83480:function(e){e.exports={articleCard:"ArticleCard_articleCard__p59bB",image:"ArticleCard_image__PkJwQ",content:"ArticleCard_content__7buj6",title:"ArticleCard_title__uNzFf",subt

1itle:"ArticleCard_subtitle__k7KEy",date:"ArticleCard_date__GqjJ7",hr:"ArticleCard_hr__gN5zk"}},15035:function(e){e.exports={author:"Author_author__rqU4P",name:"Author_name__2jTyI",jobTitle:"Author_jobTitle__iIDU1","image-container":"Author_image-container__JCoUh",image:"Author_image__X68XE",content:"Author_content__0lamF"}},95947:function(e){e.exports={mediaContainer:"MediaContainer_mediaContainer__ZalGJ",stacked:"MediaContainer_stacked__z9Kue"}},56022:function(e){e.exports={prose:"_prose_prose__aeteD",caption:"_prose_caption__fn7_q"}}},function(e){e.O(0,[1395,8402,3456,2305,1508,2888,9774,179],function(){return e(e.s=77542)}),_N_E=e.O()}]);