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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:

• 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 7.6.0

This release brings 13 bug 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
40.9K Ratings

40.9K Ratings

yenoty ,

Credit to Monese

Been reading many bad comments. Honestly, I’ve been with Monese for 9months now, and I never had an issue so I have never needed to contact the customer service. So far I have only contacted them for once through the app chat about transferring some savings to my family outside of UK. It was a helpful advise given on using a third party app and since then I’ve been transferring money out with very low service charge. Additionally, it is easier to set up an account than other high streets bank which makes whole thing easier for me. And Monese is available to do everything that the other bank can, it’s just having a different method of dealing stuffs.

Developer Response ,

Hi there - thanks so much for your lovely review, we really appreciate it! We're really glad to hear you're happy with our services!

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.

Developer Response ,

Hi there - sorry to hear you're having issues with your account, and getting through to our support! The team always strives to reply as quickly as possible, but this might depend on the volume of incoming requests. You should have received a note from our tea on the email address registered to your Monese account. Hope this helps!

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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