Monese - Mobile Money Account

92.3K reviews
Content rating
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About this app

Open your mobile money account in minutes, with Monese. We’re the banking alternative that offers you a fast borderless money account in 31 countries, regardless of your credit score.

Transfer money with ease, get your salary paid into your account, track finances and use your Mastercard debit card wherever you go. Join over 2 million people and enjoy a full range of finance features. You can open a GBP account or EUR IBAN account straight from your phone. Download now!

Your banking alternative - so how does it work?

• Mobile Money Account: Open a GBP or EUR IBAN account, straight from your phone
• Mastercard: Get a contactless Mastercard debit card you can use globally - online, in-store or at ATMs
• Cash withdrawals: Enjoy fee-free foreign currency card spending and ATM withdrawals
• Receive & transfer money: Quickly receive and transfer money locally and internationally in 19 currencies
• Virtual card: Create a virtual card and pay online or in-store for an extra layer of security
• Joint account: The easiest way to spend, share and save with a loved one, roommate, family member or friend
• Business accounts: Want to use Monese for your business? Open your GBP account quickly and easily

Moving country or like to travel? Then Monese is the mobile money account and banking alternative for you. Regardless of country or credit score, simply apply for an account with your national ID or passport. Our app and customer support team are also there for you in multiple languages, so you can open your GBP or EUR IBAN account without any hassle. With a borderless money account, you can take Monese with you, wherever you go.

Our feature-rich smartphone app also provides you with great tools to help you track finances, transfer money, manage your salary and payments and see your balance at a glance:

• Mobile money account - Real-time notifications whenever you use your account
• Finance updates - A detailed spending overview, for full finance transparency around your transactions
• Savings Pots - Put cash aside to save for something special
• Google Pay - Pay in a fast, simple way in millions of places, on sites, in apps, and in stores, with Google Pay (in selected countries)
• Finance management - An easy way to manage your Direct Debits and Recurring Payments to automatically pay for things like mobile phone contracts, rent payments, or gym memberships
• Instant balance - check your account balance by one swipe down from your phone’s home screen

Plus, you can also:

• Build your credit score, credit history and savings all together with Credit Builder
• Get automatic insurance on paid plans, like Bills, device & Phone Protection
• Link your PayPal account to manage your PayPal balance & transactions from the app, & seamlessly add your Monese card to your PayPal wallet (in select countries)
• Connect your British Airways Executive Club account to track & manage your Avios
• Open a savings account & earn interest on your savings with Raisin
• Get instant account statements in PDF & XLS
• Enjoy state-of-the-art security features like 3D Secure, locking or unlocking your card, & strong encryption & 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 & Recurring Payments - all while maintaining a complete overview of your earning, spending & saving. Withdraw cash from ATMs worldwide for free & 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. Join the banking alternative & use your Mastercard debit card wherever you go - we're giving you the financial freedom to work, travel to explore the world, without your credit score holding you back.

You can open an account with us regardless of your citizenship or financial history, as long as you’re at least 18 and live in the EEA.
Updated on
1 Jul 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and Photos and videos
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted
92.3K reviews
A Google user
6 February 2019
Verification process is a hassle so didnt get to use it at all. Their microphones did not work when there was an option to speak with someone as well. The person i was speaking with was good though. my account better be closed as well. All in all going to other options I've been hearing about in the comments. Hope this helps!
29 people found this review helpful
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Monese Ltd
9 February 2019
Hi there, thanks for your feedback on our onboarding, ID verification process. We'll pass this to our relevant team for improvements. Do feel free to get in touch with our support team for any further comments. Thanks!
Denis Franz
7 April 2022
It worked fine. Now there is a 'technical error' when trying to access certain functions of the app where it freezes. The customer service directed the issue to 'specialists' and since then silence. I have substancial losses due to that. I documented everything yet do not seem to get any reaction after several contact tries. I am short from pressing charges... Make of that what you want, I am not sure if that is intentional. Result is the same. I hope this is an error and will get solved...
65 people found this review helpful
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Someone You Know
21 June 2022
I have been waiting for almost 2 weeks to just login. I recovered my account I created long time ago and log in, byť can't use app. It just says "Bear with us...". I even got the email that I can use the all since .all the checking is done, but app is still unavailable . No way to contact support inside the app, just read FAQ which doesn't have info about cases like this. I even created the new account, and now I stuck in the very same waiting screen. Can't recommend it to anyone.
2 people found this review helpful
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What's new

Here's what's new with this release:

Easily split bills with up to 20 friends on Monese.

We've also made 22 fixes and improvements.

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