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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. 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

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 (in selected countries)
• 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 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 (EEEA).

What’s New

Version 6.39.1

Here's what's new with this release:​

​- We've revamped the 'Help' section of the app to make finding information simpler ​
​- We've also made 47 fixes and improvements ​

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

Ratings and Reviews

4.7 out of 5
1.2K Ratings

1.2K Ratings

spot-no-fy ,

A total recommend

I’ve joined last year with Monese in Italy. I’m currently in between Germany and the Netherlands. By using this method of banking, Monese is able to provide a excellent service no matter where you’re currently located. Getting the bank cards (Euro and Sterling) are as easy as where you’re situated. I like how transparent Monese is when you’re sending money abroad, and also receiving (or depositing) into your account.

Developer Response ,

Hi there - thanks a lot for your lovely message, we really appreciate it and are extremely happy to hear you're enjoying our services! Thank you!

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!

No Trust in company. ,

Not For USA

If you are a USA traveler don’t even bother with this company. No support, unable to login to anything but their mobile App, unresponsive to multiple emails inquiries, no one picks up their support line, sent card to the wrong address. Only accepts deposits from the USA in EUR even if you are seeking to deposit GBP. Lack of Reference number field from US bank transfer account. After not hearing a single thing back over 9 days in general inquires there is no way I am routing money to this company upon the good faith that it will be transferred into my account. Not worth your time or stress. Terrible support.

Developer Response ,

Hi there - we're sorry to hear you feel this way! When transferring money internationally, you can receive the transfer in either GBP, EUR or RON and we do ask for the Monese ID in the reference field to be able to track the payment. You can find more details here: https://support.monese.com/hc/en-gb/articles/115002026325-How-do-I-deposit-via-IBAN

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:

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

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
  • Sensitive Info
  • Diagnostics

Data Not Linked to You

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

  • Usage Data
  • Diagnostics

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


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