Monese: A Banking Alternative 4+

Open a mobile money account

Monese LTD

    • Free

iPhone Screenshots


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

Join over 2 million people and enjoy a full range of features. 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 GBP or 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
• Create a virtual card and pay online or in-store for an extra layer of security
• Open a joint account to easily spend, share and save with a loved one, roommate or friend

Moving from London to Paris, or from Bucharest to Berlin? Then Monese is the account for you. It’s already available in 31 countries. Just have your passport or national ID card to hand.

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:

• Build your credit score, credit history and savings all at the same time with Credit Builder
• Get automatic insurance on paid plans, including bills, device and phone protection
• 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
• Open a savings account and earn interest on your savings with Raisin
• Get instant account statements in PDF or XLS
• Enjoy state-of-the art security features such as 3D Secure, 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 84,000 locations in the UK, Austria, Belgium, Bulgaria, France, Luxembourg, the Netherlands, Poland, Portugal or Spain.

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 7.33.0

Here's what's new with this release:

Easily split bills with up to 20 friends on Monese. Someone need a nudge? Send them a quick payment reminder right from your app.

We've also made 15 fixes and improvements.

If you love our app, don't forget to rate us! Your positive feedback makes our day.

Ratings and Reviews

4.8 out of 5
51.1K Ratings

51.1K Ratings

Mercury2410 ,

Very good account

I like this account used everyday they like to block your account now and again for Sercruity checks they say first time it happend was when I got a payment from Insurace after my car was written off took about a week to unblock asking me to provide details and documents at the same time someone did fraud as I had no access account was block but someone made 1800 ASOS purchase and few hundred on Uber
I could see from the pinging message every minute but could not do anything as It was blocked I called all the company’s an got the money back as Monese was not talking calls
Only emails which took time for them to respond or deal with the issue since then everything has been running smooth touch wood
Blocked me for a day recently but unblocked me within the next morning so still happy an would consider this account

Developer Response ,

Hi there - thanks for your review and really sorry to hear about your experience! You can lock your card in-app whenever you don't plan on using it in order to avoid unauthorised payments. You can find more details on how to stay safe here:

shaz queen ,

Poor company

Hi you have sent email but they haven’t respond to me the way this bank operate is very terrible a lot of people are complicating about this matter this most rubbish bank I had this is real bank that why you don’t care about your customer if this was proper bank you will care about customer nobody should make monese it is waste time to have is account service is very poor. Even when you customer service we are on the line and no agent is picking up the call I’m going give bad review as customer this company is so bad and organised stead of gain customer you are losing customer everyday you guy alot bad review everywhere no wonder why you are guys company is so bad. You guys are just blocking people no reason without any permission we complain to customer service they just same thing we are going tell complain team the complain team doesn’t even care if account is blocked or about why are guy are holding our money when the money is not yours. Your company service is slow and the responses one day this company go in bust it sad say you don’t care about our your customers at all as I’m frustrated I can’t get access to my money because you are holding who is going oaky for bill and other bill if I can’t access my money as British citizen I have right get my money back there will be big coming your way if you don’t .

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.

App Privacy

The developer, Monese LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Search History
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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