Monese
- Android app
- Yes
- Free plan
- Yes
- Paid plans from
- £2.50/mo
- Runs on
- Android, iOS, Web
Summary
Monese is a mobile money account service for spending, sending and saving through an app. Its accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards. The app provides spending overviews, weekly and monthly budgets, instant spending notifications, and up to 10 savings pots with a roundup feature. Customers can add cards to Apple Pay and Google Pay, or link multiple UK bank accounts to see balances and make instant top-ups. Security features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking and real-time notifications. Monese is available on Android, iOS and web. Its free Pay as you go plan is intended for occasional use; paid plans start at £2.95/mo. Applicants must be at least 18, live in one of 31 EEA countries and provide contact details, government ID and an in-app video selfie. Monese says UK e-money funds are safeguarded, but its services are not covered by the Financial Services Compensation Scheme. It has no branches and does not handle cash or cheques.
Who it is for
Monese may suit people underserved by traditional banks and people travelling, living or working abroad. Applicants need to live in one of 31 EEA countries and be at least 18.
What is good
- Includes budgets and instant spending notifications
- Offers up to 10 savings pots
- Cards work with Apple Pay and Google Pay
- Supports instant top-ups from linked UK accounts
What to know first
- No physical branches
- Does not handle cash or cheques
- UK e-money services lack FSCS coverage
Verdict
Monese combines day-to-day account features with budgeting, savings pots and linked-account top-ups. Consider its eligibility requirements and lack of FSCS coverage before applying.
Monese plans and pricing
All plansCompared on digital wallet apps
- Free plan
- Yesmonese.com
- Asset scope
- cards_and_fiatmonese.com
- Virtual cards
- Yesmonese.com
- Peer transfers
- Yesmonese.com
- International transfers
- Yesmonese.com
- Supported platforms
- iOS, Android and AppGallerymonese.com
- Transaction limit
- 4,000 per transactionmonese.com
Facts
- Product
- Monese offers mobile money accounts for spending, sending and saving through an app.monese.com · 4 Oct 2026
- Account features
- Its accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards.monese.com · 4 Oct 2026
- Budgeting
- The app includes spending overviews, weekly and monthly budgets, and instant spending notifications.monese.com · 4 Oct 2026
- Savings pots
- Customers can create up to 10 savings pots with a roundup feature.monese.com · 4 Oct 2026
- Integrations
- Customers can add Monese cards to Apple Pay and Google Pay.monese.com · 4 Oct 2026
- Open Banking
- Customers can link multiple UK bank accounts to view balances and make instant top-ups from the Monese app.monese.com · 4 Oct 2026
- Security
- Security features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking, and real-time notifications.monese.com · 4 Oct 2026
- Safeguarding
- Monese says UK e-money funds are safeguarded and explains that its services are not covered by the Financial Services Compensation Scheme.monese.com · 4 Oct 2026
- Support
- Customers can contact Customer Support through in-app chat or email [email protected].monese.com · 4 Oct 2026
- Who it serves
- Monese says it serves people in 31 European countries and describes its accounts as useful for people underserved by traditional banks and for people travelling, living or working abroad.monese.com · 4 Oct 2026
- Account opening
- The site says applicants need an email address, phone number, government ID and an in-app video selfie, and must be at least 18 and live in one of 31 EEA countries.monese.com · 4 Oct 2026
- Notable limits
- The site says Monese has no physical branches and does not handle cash or cheques, though customers can add cash at more than 84,000 payment locations in the UK and Europe.monese.com · 4 Oct 2026
Company
- Founded
- 2015monese.com · 28 Sept 2026
- Headquarters
- London, United Kingdommonese.com · 28 Sept 2026
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Sources
- monese.com· checked 4 Oct 2026
- monese.com/features· checked 4 Oct 2026
- monese.com/features/open-banking· checked 4 Oct 2026
- monese.com/features/security· checked 4 Oct 2026
- monese.com/contact· checked 4 Oct 2026
- monese.com/our-pricing· checked 4 Oct 2026