{"id":152840,"date":"2018-12-03T12:30:23","date_gmt":"2018-12-03T12:30:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=152840"},"modified":"2025-11-28T15:16:46","modified_gmt":"2025-11-28T15:16:46","slug":"monese-business-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/monese-business-account-review","title":{"rendered":"Monese business account review"},"content":{"rendered":"<p>Monese is a digital-only bank that allows UK businesses to open an account without a proof of address and without running credit checks. In this review, we outline the features and fees of the Monese business account, and weigh up its pros and cons.<\/p><h3 id=\"learn\"><b>What is Monese?<\/b><\/h3><p>Monese launched in 2015 as the first 100% mobile current account in the UK. Like many of its digital competitors, it doesn\u2019t have any physical branches. It works through a mobile app, which allows you to manage your Monese accounts and cards easily.<\/p><p>Monese operates both personal and business accounts, which are currently available to anyone living in the EEA and the UK, although to open a business account your business does also need to be registered in the UK.<\/p><h3><b>How does a Monese business account work?<\/b><\/h3><p>A Monese business account costs \u00a39.95 a month. In return, you get:<\/p><ul class=\"list-10\"><li><strong>Account. <\/strong>A Monese business account, that also comes with a Monese Classic personal account. When you open your business account, it\u2019ll have a default maximum account balance of \u00a350,000. After three months, you can apply for a higher limit of up to \u00a3100,000.<\/li><li><strong>Card.<\/strong> A free contactless business debit card, delivered to you through the post. Monese cards are Mastercards, so they\u2019re accepted pretty much everywhere.<\/li><li><strong>App.<\/strong> This brings your business and personal Monese accounts together in the same place on your phone (you can switch seamlessly between the two). Includes instant notifications of balance updates and a graph that helps you track how much you are spending.<\/li><li><b>Payments. <\/b>Local card payments and money transfers are free. International card payments and foreign currency transfers are subject to currency exchange fees (0.5% of the transaction value, with a minimum charge of \u00a32 for the foreign currency transfers). Receiving international payments into your account is free, however.<\/li><li><strong>Cash withdrawals.<\/strong> Six ATM cash withdrawals are free each month (whether you\u2019re in the UK or abroad) and they cost \u00a31 each after that.<\/li><li><strong>Cash deposits.<\/strong> These cost \u00a31 each at a Post Office and there\u2019s a fee of 2.5% at PayPoints (with a minimum charge of \u00a31).<\/li><li><strong>Savings pots.<\/strong> Create up to 10 pots to save for your business.<\/li><\/ul><h3><b>Is Monese suitable for your business?<\/b><\/h3><p>There are many business account options available and it can be tricky to decide if Monese is the right one for your business. We\u2019ve highlighted some key factors here to help you decide.<\/p><p>First of all, given the balance limit, a Monese business account is probably more suitable for small and medium businesses.<\/p><p>Moreover, some of its fees are cheaper than other challengers\u2019 business accounts, but it doesn\u2019t come for free. If you are planning on making only a few transfers and payments then you won\u2019t get much value for your \u00a39.95 monthly charge, and a free account that charges for each transaction may be more suitable for your needs.<\/p><p>Monese is competitive when it comes to money transfer and card payment fees, both in the UK and abroad, so it could be a good option if you travel a lot or do business out of the country.<\/p><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"choose\">Is Monese a bank?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\">Monese is not a bank, meaning that it\u2019s not covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS), which protects deposits of up to \u00a3120,000. However, Monese is licensed by the Financial Conduct Authority to operate in the UK as an electronic money institution. This means that it must keep its customers\u2019 funds in a segregated account at a licensed UK bank, so this money is safeguarded if Monese were to go under.<p>In terms of data security, Monese only allows you to access your account from a single device, making it impossible for fraudsters to tamper with your account from another location. Monese also uses state-of-the-art security features like 3D secure, biometric login and backend encryption, to give peace of mind that your money, personal data and account are safe. You also get a notification on your phone every time you make a payment, and if your card is lost or stolen, you can block it instantly from the app.<\/p><\/div><\/div><\/div><h3>Monese customer reviews<\/h3><p>Online customer reviews are for Monese as a whole, rather than for its business account specifically. However, to give you an idea on how the brand has been judged as a digital banking provider, we\u2019ve rounded up its app ratings and Trustpilot scores.<\/p><p>On the App Store, the Monese app is rated an average of 4.7 stars out of 5, by more than 73,000 reviewers. Over on the Google Play Store, it receives an average score of 3.8 stars out of 5, based on more than 105,000 reviews from Android app users. (Updated March 2025.)<\/p><p>On Trustpilot, Monese has a score of 4.2 out of 5, giving it a \u201cGreat\u201d rating from nearly 46,000 reviews. (Updated March 2025.) Many users praised the company\u2019s customer service and the mobile app, but some highlighted issues with blocked accounts.<\/p><h3><b>Pros and cons of a Monese business account<\/b><\/h3><div class=\"column_wrapper\"><div class=\"one_half\"><p><b>Pros<\/b><\/p><ul class=\"list-4\"><li>Quick and easy to open, with no credit checks.<\/li><li>You can manage your business and personal finances in the same place, from your smartphone.<\/li><li>Budget management features and balance notifications included in the app.<\/li><li>You can deposit cash into the account at Post Offices or PayPoints.<\/li><li>Competitive currency exchange rates and fees for transfers and payments abroad.<\/li><li>The app is available in 14 languages.<\/li><\/ul><\/div><div class=\"one_half\"><p><b>Cons<\/b><\/p><ul class=\"list-13\"><li>Your business needs to be registered in the UK to open the account.<\/li><li>You will have to open a Monese personal account when you open a business account.<\/li><li>Only 6 free cash withdrawals a month.<\/li><li>It doesn\u2019t integrate with any accounting software (such as Xero).<\/li><li>Traditional banks could be necessary for some of your financial needs \u2013 for example, if you want to deposit or issue cheques.<\/li><\/ul><\/div><\/div><h3>Monese business\u2019s fees and features<\/h3><div data-category=\"\" data-niche=\"UKFSA-BUS\" data-fieldset=\"general_info\" class=\"UKFSA-BUS general_info \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/monese-business-account-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png\" alt=\"Monese logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">Monese<\/td><\/tr><tr><th>FSCS protected<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Account fee<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a39.95<\/td><\/tr><tr><th>UK ATM charge<\/th><td class=\"i_infobox_data product_infobox_data\">6 free withdrawals per month, \u00a31 after that<\/td><\/tr><tr><th>Account software integration<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Accounting integrations<\/th><td class=\"i_infobox_data product_infobox_data\">N\/A<\/td><\/tr><tr><th>Requires credit check<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Credit check<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Overdraft<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Freeze card from app or online banking<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Interest rate<\/th><td class=\"i_infobox_data product_infobox_data\">0%<\/td><\/tr><tr><th>Current account switch guarantee<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--error luna-icon--small\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><h3>Doing business overseas with Monese<\/h3><div data-category=\"\" data-niche=\"UKFSA-BUS\" data-fieldset=\"business_overseas\" class=\"UKFSA-BUS business_overseas \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th><\/th><td class=\"i_infobox_data product_infobox_data\"><a href=\"https:\/\/www.finder.com\/uk\/business-banking\/monese-business-account-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png\" alt=\"Monese logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5c5178873ce9b.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/td><\/tr><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">Monese<\/td><\/tr><tr><th>Overseas transaction charge<\/th><td class=\"i_infobox_data product_infobox_data\">0.5%<\/td><\/tr><tr><th>Overseas ATM charge<\/th><td class=\"i_infobox_data product_infobox_data\">6 free a month, \u00a31 after that<\/td><\/tr><tr><th>International transfer charge<\/th><td class=\"i_infobox_data product_infobox_data\">Free to other Monese accounts - from 0.5% to non-Monese (minimum \u00a32)<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/compare-business-accounts\"><strong>Compare the fees of popular business bank accounts<\/strong><\/a><h3>Customer service information for Monese<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3 id=\"verdict\">Our verdict<\/h3><p>Considering there aren\u2019t many free business accounts out there (the exception being <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/starling-business-account\">Starling\u2019s business account<\/a>, which is well worth a look), the Monese business account does make for a decent deal, as although it comes with a monthly fee there aren\u2019t individual transaction fees to make or receive UK bank payments or direct debits. However, it doesn\u2019t integrate with any accounting software, there\u2019s a limited number of free ATM withdrawals and you can\u2019t deposit cheques.<\/p><p>Get started by visiting Monese\u2019s website and sign up for an account. If you have read this review and decided that Monese\u2019s account is not for you, you can also <a href=\"https:\/\/www.finder.com\/uk\/compare-business-accounts\">compare other business bank accounts<\/a> on the market.<\/p><div class=\"importantText importantText__callout\">\n  <p>All in all, Monese offers a solid digital-only business account, even though it\u2019s not at the top of the market. Fees are competitive, the set up really easy and quick, and travelling or doing business abroad is cheaper and easier than with the vast majority of traditional business accounts.<\/p>\n<\/div>\n<article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\">\u201cMonese does stand out from the business account crowd, as you don\u2019t need a credit check to open the account, it doesn\u2019t charge individual transaction fees and you can you use it for international banking,\u201d says Michelle Stevens, Finder\u2019s deputy editor for banking. \u201cHowever, if you\u2019re looking for a business account with no monthly fee, one with more free ATM withdrawals, or one that integrates with accounting software, check out our guide to the <a href=\"https:\/\/www.finder.com\/uk\/business-banking\">best business bank accounts<\/a> in the UK.\u201d<\/div><\/article>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3><b>Frequently asked questions<\/b><\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How much does a Monese business account cost?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The Monese business account has a fixed monthly fee of \u00a39.95.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is your business eligible?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Your business must be registered in the UK at Companies House. Most businesses are eligible for a Monese account, but you can\u2019t open one if your business is a charity or trades in some specific areas such as cryptocurrency, gambling or financial services. A more complete list of exclusions is <a href=\"https:\/\/support.monese.com\/hc\/en-gb\/articles\/360017385519-Who-can-open-a-Business-account-\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does your Monese account earn interest?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No, it doesn\u2019t.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Will you be charged for receiving money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Monese won\u2019t charge you for receiving money into your business account from the UK or abroad (whether inside or outside the European Economic Area). However, always keep in mind that the bank from which the money is being sent might have its own charges.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Monese offers a digital business account that you can open without a credit check. 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