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Open your mobile money account in minutes, with Monese. We’re the banking alternative that offers you fast and free accounts in 31 countries.

Join over a million people and enjoy a full range of features - all celebrated by a 4.3/5 Trustpilot score. We’re giving you the financial freedom to live, work, travel, study and thrive wherever life takes you. We even provide business accounts.

Simple, fuss-free and easy - so how does it work?

• Open a free GBP account or a free EUR account, straight from your phone
• Get a contactless Mastercard debit card you can use globally - online, in-store or at ATMs
• Enjoy fee-free foreign currency card spending and ATM withdrawals
• Quickly send and receive money locally and internationally in 19 currencies

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.

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
• 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

Plus, you can also:

• 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
• Get instant account statements in PDF or XLS
• Enjoy state-of-the art security features such as locking or unlocking your card on the go, as well as strong encryption and biometric login

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, within generous allowances, and add money to your account by bank transfer, using another debit card, or with cash at over 40,000 locations in the UK.

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 6.23.0

- If you live in Belgium or Luxembourg, you can now link your PayPal account to your Monese app

- We've made 13 bug fixes and improvements

Love our app? Don't forget to rate us! Your positive feedback really makes our day.

Ratings and Reviews

4.8 out of 5
28.5K Ratings

28.5K Ratings

N/A (A student) ,

Thank you

I’ve been banking with Monese since 2017 and I honestly don’t miss my my old traditional bank. The app just keeps getting better, and it really has come a long way. The bank transfers are FAR quicker than they used to be (trying to send money to someone who needed it quickly was an extreme sport😂). The interface feels very user-friendly, the customer service is great, the list could really keep going! All in all, thank you for such an amazing banking alternative!👏🏾

Developer Response ,

Hi there - thanks so much for your review! We're really glad to hear everything's been going smoothly for you. Thank you!

AJ91.10 ,

Appalling customer service, otherwise decent app

This is genuinely the worst customer service I have ever received in my entire life from any company ever. The staff are consistently unhelpful - it is obvious they never actually properly read messages, so their suggestions are often irrelevant. They then take hours in between each message to reply, making this an unnecessarily long system. It took over 5 MONTHS, no exaggeration, FIVE MONTHS for my phone number to be accurately updated in the system, so that when merchants wanted to text me to verify my purchases, I could actually receive the text instead of it going to my old phone number. And this was only because I chased and chased and chased the customer service team, and ended up having to speak to numerous individuals. I would not recommend monese under any circumstance because of this. If you have any issue you are pretty much alone and it’s incredibly frustrating. The only reason I’ve kept my account with them is because I’m a foreign citizen and couldn’t open an account with a brick and mortar bank here in the UK. However, I have recently got a Monzo card and have tried their customer service and it is so much faster, more responsive, and more helpful, so I will likely make the switch over there. Monese is absolutely horrendous.

Developer Response ,

Hi there - we're really sorry to hear you've had this much trouble doing something as simple as a phone number update. It's certainly not how things should be working, and we take this feedback very seriously. We're hard at work improving customer support response times overall, and we will raise this issue specifically with the relevant teams to make sure it doesn't happen again.

Guy Aponsu ,

Worst banking platform in operation - Aviod at all cost

Been a customer with Monese for 5 months in which I only had a working account for the first month. I ordered a card for £5 and after 2/3 weeks of using it, it decided not to work it kept declining every payment, I tried linking the account to Apple Pay which Also didn’t work. When I rang their customer service about the issue and asked for a refund for the card they refused and said that I have to order a new card by paying another £5 which is an absolute joke. The account was no use to me because I could only transfer money, so I open a new account with Lloyd’s and then tried moving all my money to my new account. Monese then place a hold on the transfer , they stated this will be resolved in 24hours. Now it’s been 4 days and I don’t have a penny under my name I have been forced to use credit cards to pay for things. I have emailed monese customer service 4 days ago and I still haven’t received a reply, I also phoned them but I was put on hold for 30mins each time even when the answering machine stated it’s 5min waiting time. If my payment isn’t released I will have no choice but to contact a financial regulating body. Avoid this banking firm at all cost. Shocking customer service and their system isn’t reliable.


Monese Ltd
213.5 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad and iPod touch.


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

Age Rating


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