The Finance Base / Digital wallets / Monese
monese.com
Monese
Monese offers mobile money accounts for spending, sending and saving through an app. Accounts support payments, transfers, direct debits, standing orders, account details, savings tracking and physical or virtual cards. The app provides spending overviews, weekly and monthly budgets, instant…
Visit monese.com ↗ What it costs
- 8.6 No. 8on Digital wallets
- Free plan · paid from £2.95/moprice, as published
- Oct 4, 2026read on
What Monese costs
- Pay as you go Free
- Premium £124.95 / year
- Everyday £29.95 / year
- Cashback £79.95 / year
As monese.com publishes them, read Oct 4, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 14
Strengths and limits
Strengths
- Weekly and monthly budgets with instant spending notifications.
- Create up to 10 savings pots with roundups.
- Link UK bank accounts for balance viewing and instant top-ups.
- Cards can be added to Apple Pay and Google Pay.
Limits
- Services are not covered by the Financial Services Compensation Scheme.
- No physical branches; cash and cheques are not handled.
- Applicants must be at least 18 and live in an eligible country.
- Bank transfers out beyond plan allowances incur a £1 fee.
Facts we read
- Account featuresIts accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards. · monese.com, Oct 4, 2026
- Account openingThe site says applicants need an email address, phone number, government ID and an in-app video selfie, and must be at least 18 and live in one of 31 EEA countries. · monese.com, Oct 4, 2026
- BudgetingThe app includes spending overviews, weekly and monthly budgets, and instant spending notifications. · monese.com, Oct 4, 2026
- Founded2015 · monese.com, Sep 28, 2026
- HeadquartersLondon, United Kingdom · monese.com, Sep 28, 2026
- IntegrationsCustomers can add Monese cards to Apple Pay and Google Pay. · monese.com, Oct 4, 2026
- Notable limitsThe site says Monese has no physical branches and does not handle cash or cheques, though customers can add cash at more than 84,000 payment locations in the UK and Europe. · monese.com, Oct 4, 2026
- Open BankingCustomers can link multiple UK bank accounts to view balances and make instant top-ups from the Monese app. · monese.com, Oct 4, 2026
- SafeguardingMonese says UK e-money funds are safeguarded and explains that its services are not covered by the Financial Services Compensation Scheme. · monese.com, Oct 4, 2026
- Savings potsCustomers can create up to 10 savings pots with a roundup feature. · monese.com, Oct 4, 2026
- SecuritySecurity features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking, and real-time notifications. · monese.com, Oct 4, 2026
- SupportCustomers can contact Customer Support through in-app chat or email [email protected]. · monese.com, Oct 4, 2026
- Who it servesMonese says it serves people in 31 European countries and describes its accounts as useful for people underserved by traditional banks and for people travelling, living or working abroad. · monese.com, Oct 4, 2026
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Verdict
Monese combines everyday payments and transfers with budgeting, savings pots and linked-account top-ups. Review transfer allowances and safeguarding details before choosing a plan.
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