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Monese is the multi-currency banking app that provides you with fast and free current accounts in 31 countries. You can open one instantly from your phone – giving you the financial freedom to live, work, travel, study and thrive wherever life takes you. We even provide business accounts.

Sign up to Monese today and join over a million people to enjoy a full range of features - all celebrated by 4.5/5 stars on Trustpilot.

Enjoy the convenience of being able to send and receive money straight from your phone, get your salary paid in, set up Direct Debits and Recurring Payments - all while maintaining a complete overview of your earning, spending and saving. Withdraw cash from ATMs worldwide for free and add money to your account by bank transfer, using another debit card, or with cash at over 40,000 locations, for free.

Moving from London to Paris, or from Bucharest to Berlin? Then Monese is the account for you. It’s already available in 31 countries – and if you don’t know your address in a new country yet, don’t worry. Just have your passport or national ID card to hand. Our app and customer support team are also there for you in 14 languages.

Try it now and you’ll get immediate access to:

• A free UK current account or a free European IBAN account
• A free contactless Mastercard card you can use globally - online, in-store or at ATMs
• Fee-free foreign currency card spending and ATM withdrawals
• Send money instantly and for free to your friends who are on Monese
• Quickly send and receive money locally and internationally in 16 currencies
• A real customer support team that speak 14 languages, available via phone (yes, really), in-app chat and email
• A 100% secure banking platform that is subject to the UK Financial Conduct Authority regulations

Our feature-rich smartphone app also provides you with:

• Real-time notifications - instant updates whenever you use your account
• A detailed spending overview - for full transparency around your transactions
• Savings Pots - to put money aside for something special
• A fast, easy and secure way to pay, with Apple Pay (in selected countries)
• Link your PayPal account – to manage your PayPal balance and transactions from the app, and also to seamlessly add your Monese card to your PayPal wallet
• Connect your British Airways Executive Club account, to track and manage your Avios whenever you need
• An easy way to manage your Direct Debits and Recurring Payments to automatically pay for things like mobile phone contracts, rent, or gym memberships
• Instant balance - check your account balance by one swipe from your phone’s home screen (or through 3D Touch)
• Instant account statements in PDF or XLS
• State-of-the art security features such as locking or unlocking your card on the go, as well as strong encryption and biometric login
• A way to earn money by inviting your friends and family - we'll give you both a reward when they make their first card transaction with Monese!

What others say about us:

“...the app that lets you apply for a bank account in 3 minutes” - Business Insider

“Britain’s trailblazer in mobile-only banking is intent on becoming a global business” - The Times

“But, most impressively, now 70% of Monese accounts are full-time primary bank accounts, where people are having their paychecks paid in each month.” - Forbes

You can open an account with us regardless of your citizenship or financial history, as long as you’re at least 18 years old and live in the European Economic Area (EEA).

What’s New

Version 6.7.0

With this latest update, you can:

- Send money to India, in Indian Rupees
- Link your PayPal account in Germany

We’ve also made over 40 bug fixes and improvements.

Love our app? Then don’t forget to rate us! Your positive feedback really makes our day.

Ratings and Reviews

4.8 out of 5
598 Ratings

598 Ratings

Sarena10 ,

Amazing virtual bank

This bank saved my life when I moved to the UK because it gave me an instant account that I could use while I was setting up (UK banks are not the best when you need a new account quickly!). It’s worked well, and the virtual verification process they have created is pretty cool. Definitely recommend!

Developer Response ,

Always happy to have satisfied customers like you! Thank you so much!

Core_ ,

Breaking the product promise

The app looks fine. But once you try using it to transfer money to your Monese account, the service fails to actually receive your money. After weeks of fighting with a support that was reluctant at best and ignorant towards the underlying problem, I had to give up and closed the account.

After this nightmare I wanted to have my account closed and my data deleted. After all they demand an ID photo for identification. It turns out they don’t follow European law and actually delete your data after you leave.

Developer Response ,

Hi there - so sorry to hear you've had issues with your transfer. We must point out that we comply with all the regulations in place, though, and you can always reach out to our support team to find out more about this. We've improved our services a lot since 2017, so we're here if you ever want to give us another shot! Thanks!

Rapfiend16 ,


Best mobile bank app I’ve used so far! Highly recommend as it’s been with me side by side for over 3 years as I’ve been abroad.


Monese Ltd
315.8 MB

Requires iOS 10.3 or later. Compatible with iPhone, iPad, and iPod touch.


English, Bulgarian, Czech, French, German, Italian, Lithuanian, Polish, Portuguese, Romanian, Russian, Spanish, Turkish

Age Rating
Rated 4+
© 2013 Monese Ltd


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