{"id":97408,"date":"2018-03-26T12:21:20","date_gmt":"2018-03-26T11:21:20","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=97408"},"modified":"2026-06-18T11:09:39","modified_gmt":"2026-06-18T10:09:39","slug":"monese-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review","title":{"rendered":"Monese review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" alt=\"alt\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/monese.com\/gb\/en\" class=\"luna-button luna-button--primary\">Return to Monese<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? Share your view on Finder to help others make a great choice, and you could win \" + '&pound;100!');\n$(\"#user-review-promo-review-description\").html(\"Tell us about your experience with \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \". What did you like or dislike? What are the pros and cons? What should other people know?\");\n\n\n\n\nvar prvdrimg = '';\nif ( $(\".compare-logo\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".compare-logo\").data(\"src\"));\n} else if ( $(\".standardMasthead__image\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".standardMasthead__image img\").attr(\"src\"));\n} else if ( $(\".creditCardMasthead__picture_wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".creditCardMasthead__picture_wrapper img\").attr(\"src\"));\n} else if ( $(\".product-card__image-wrapper img\").length ) {\n$(\"#user-review-promo-img\").attr(\"src\", $(\".product-card__image-wrapper img\").attr(\"src\"));\n} else if ( prvdrimg.length ) {\n$(\"#user-review-promo-img\").attr(\"src\", prvdrimg);\n} else {\n$(\"#user-review-promo-img\").css(\"display\", \"none\");\n}\n\n\n\n\nif (user_review_step == \"complete\" || sessionData == 1) {\nif (sessionData == 1) { sessionStorage.removeItem(window.location.href.split('?')[0]); }\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\n$(\"#user-review-promo-close\").css(\"display\", \"block\");               \n$(\"#user-review-promo-close\").click(function(){ window.location.href='\/uk\/'; })\n$(\"#user-review-promo-members\").css(\"display\", \"block\");\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}           \n}\n\n\n\n\n$(\".reviewstar\").each(function(index) {\n$(this).on(\"click\", function(){\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\nuser_review_rating = $(this).data(\"rating\");\n$(\"#user-review-promo-review\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\nsetTimeout(function() {\n$(\"#user-review-promo-review\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n});\n});\n\n\n\n\n$(\"#user-review-promo-btn\").click(function(){\n\n\nif (user_review_screen == 0) {\nuser_review_screen++;\nuser_review_description = $(\"#user-review-promo-review-text\").val();\n$(\"#user-review-promo-review\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"0\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\n$(\"#user-review-promo-user\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").text(\"Submit\");\nsetTimeout(function() {\n$(\"#user-review-promo-user\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n\n\n} else if (user_review_screen == 1) {\nuser_review_name = $(\"#user-review-promo-name\").val();\nuser_review_email = $(\"#user-review-promo-email\").val();\nif (user_review_email != \"\" && user_review_name != \"\" && isEmail(user_review_email)) {\nuser_review_screen++;\n$(\"#user-review-promo-user\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-members\").css(\"display\", \"block\"); 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}\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Monese is a digital banking app and card using smartphone technology to improve your banking experience. Monese is great for travellers and works well if you are looking to set up an account quickly in another country. Let\u2019s take a closer look.<\/p><div id=\"bonus\"><\/div><h3>How we scored Monese<\/h3><table id=\"monese\" class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">App rating<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Monese scores highly across the App Store and Google Play.<\/td><\/tr><tr><th scope=\"row\">Monthly fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Monese is free to use, with no monthly fee.<\/td><\/tr><tr><th scope=\"row\">Transaction fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Pay a fee to deposit cash, withdraw funds at an ATM, and receive your card. <\/td><\/tr><tr><th scope=\"row\">Overseas fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>A fee applies to both purchases and cash withdrawals abroad.<\/td><\/tr><tr><th scope=\"row\">Customer service<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Monese scored  just above average for customer satisfaction.<\/td><\/tr><tr><th scope=\"row\">Green credentials<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Monese was not included in the Finder Green Banking Awards.<\/td><\/tr><tr><th scope=\"row\">Account access<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Account access is limited to mobile and online banking.<\/td><\/tr><tr><th scope=\"row\">Payment features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.3<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Most payment features are available, but Monese doesn\u2019t offer cheque deposits or a cashback or rewards programme.<\/td><\/tr><tr><th scope=\"row\">Extra features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Benefit from spending categories, budgeting tools, savings pots, and more.<\/td><\/tr><\/tbody><\/table><h3>What is Monese?<\/h3><p>Monese has provided basic banking on smartphones since 2015. It gives people in the UK and abroad a chance to experience streamlined, modern finance. <\/p><p>This feature is what makes Monese unique: the ability for anyone to open an account anywhere in the UK or continental Europe. Whether or not you have a UK address, a credit history or fixed income, you can access Monese and open an account today. The app is currently available to anyone in the European Economic Area.<\/p><p>Monese is completely portable across 31 countries across Europe and, if you move to another country, your Monese account goes with you.<\/p><h3 id=\"how\">How does Monese work?<\/h3><p>Monese works like a traditional banking system, but more streamlined. Like with most digital-only accounts, it\u2019s all managed through the app. You can choose from a free account or pay for the Everyday, Cashback or Premium plans. <\/p><p>Below are some of the key features and benefits of Monese:<\/p><ul><li><strong>Debit card.<\/strong> Order and manage your <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/contactless-payment\">contactless<\/a> debit card. You can see whether your card is active and get a reminder of your pin.<\/li><li><strong>Support.<\/strong> The support tab in the app provides customers with easy access to customer service via telephone, instant messenger or email. This tab also has an FAQ section.<\/li><li><strong>Direct debits.<\/strong> View and manage your active direct debits. Your account number and sort code are provided on this page for you to copy.<\/li><li><strong>Add Eurozone account.<\/strong> Add a Eurozone account at the click of a button. You can switch between your UK and European accounts at any time on the home page.<\/li><li><strong>Earn cash when referring friends.<\/strong> Invite a friend to join Monese and you can earn money.<\/li><li><strong>Interest-free credit builder.<\/strong> For a monthly fee, you can build your credit history and savings through the Credit Builder feature. As you make your monthly repayments, these are reported back to the credit reference agencies.<\/li><li><strong>Link your bank account.<\/strong> Through Open Banking you can easily link a UK bank account and manage all your money accounts and balances from the app.<\/li><li><strong>Budgeting tools.<\/strong> You\u2019ll easily be able to keep track of your spending and even set yourself budgeting goals.<\/li><li><strong>Savings pots.<\/strong> Set aside money in up to 10 different pots to keep it separate from your day-to-day spending.<\/li><\/ul><h3>What are the different Monese plans?<\/h3><p>Monese offers 4 different price plans. One of them, the Pay as you go plan, has no monthly fee, while the other 3 (Everyday, Cashback and Premium) charge a monthly fee but offer a greater range of features.<\/p><p>Note that all accounts can be held in GBP, EUR and RON and all offer money pots to help you set aside cash for different savings goals. Additionally, all plans give you access to the Credit Builder feature. You can also link any of the 4 account plans to your Avios account (if you have one) and earn Avios every time you spend with Monese, as well as link PayPal to your account.<\/p><h4>Pay as you go plan<\/h4><p>This free plan is a pretty basic account, and while transfers to other Monese accounts are free of charge, you will pay a fee to receive and send money to other accounts and send money abroad.<\/p><p>Fees will also apply to ATM withdrawals, cash and debit card top-ups and when you spend on your card abroad. There\u2019s also a fee for the delivery of your first card (this is waived with a \u00a3100 first deposit).<\/p><h4>Everyday plan<\/h4><p>This is a paid-for plan but in return for your monthly fee, you\u2019ll receive a greater range of benefits. These include:<\/p><ul><li>Free Monese to Monese transfers<\/li><li>2 free transfers to other accounts each month<\/li><li>Free transfers in<\/li><li>A small fee to send money abroad<\/li><li>Free virtual debit cards<\/li><li>A small fee for debit card top-ups<\/li><li>A small fee for spending on your card abroad<\/li><\/ul><h4>Cashback plan<\/h4><p>In return for a higher monthly fee, you\u2019ll receive the following benefits:<\/p><ul><li>Free Monese to Monese transfers<\/li><li>10 free transfers to other accounts each month<\/li><li>A small fee for international transfers<\/li><li>Free virtual debit cards<\/li><li>A fee-free monthly limit for cash top-ups<\/li><li>A small fee for debit card top-ups<\/li><li>A small fee for spending abroad<\/li><li>A fee-free monthly limit on ATM withdrawals<\/li><li>Cashback on spending.<\/li><\/ul><h4>Premium plan<\/h4><p>This is a step up from the other plans so requires a higher monthly fee. In return, you\u2019ll receive the following benefits:<\/p><ul><li>Free Monese to Monese transfers<\/li><li>200 free transfers to other accounts each month<\/li><li>Free international transfers to other accounts<\/li><li>Free virtual debit cards<\/li><li>Free debit card top-ups<\/li><li>A higher fee-free monthly limit for cash top-ups<\/li><li>Fee-free spending abroad<\/li><li>A higher fee-free monthly limit on ATM withdrawals<\/li><\/ul><h3>What does the Monese app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png\" alt=\"Monese app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_1_1100x1960.png?fit=1100 1100w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png\" alt=\"Monese app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_2_1100x1960.png?fit=1100 1100w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png\" alt=\"Monese app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2022\/10\/monese_screenshot_3_1100x1960.png?fit=1100 1100w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" loading=\"lazy\"><\/div><\/div><h3>How can I transfer money with Monese?<\/h3><ul><li><strong>UK bank transfers.<\/strong> Pay friends, families or bills with bank transfers. Monese uses the Faster Payments Service and says that these money transfers are typically instant.<\/li><li><strong>Foreign transfers.<\/strong> Transfer money abroad into 19 different currencies. Monese uses the \u201cinterbank rate\u201d, much like <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a>. The delivery time for your money depends on the processing times of the receiving bank. Depending on the currency you\u2019re sending and the time (try sending before 4pm), your transfer should take between 2-4 business days.<\/li><li><strong> Foreign transfer from Eurozone account. <\/strong>If you\u2019re transferring money to someone with a Euro account through a SEPA payment, then it should reach them the same day or by the next working day.<\/li><li><strong> Direct debits.<\/strong> Set up a direct debit and automatically pay for utilities and services. Whether it\u2019s your gym membership, phone contract, or your electricity bill \u2013 this way you won\u2019t forget to pay the rent this month.<\/li><li><strong> Standing orders.<\/strong> Set up a standing order (or \u201cRecurring Payment\u201d) to make routine payments for a specified amount, payee and date \u2013 all managed in-app.<\/li><li><strong> Pay your contacts.<\/strong> Make payments to friends and family \u2013 straight from your phone\u2019s contact list. See who\u2019s already a Monese user, and to whom you\u2019ll be able to make an instant payment.<\/li><\/ul><h3>Using Monese abroad<\/h3><p>Monese has the option of opening an account across Europe making it easier to spend money in the UK and on the continent. Being able to switch instantly between your UK and European accounts means you\u2019ll be able to spend abroad like a local. You can also open an account in Romanian lei.<\/p><h3>Is Monese safe?<\/h3><p>As a current account provider, Monese makes security a priority. To register it requires your address, a passport photo and video identification.<\/p><p>Your account is protected by a passcode which can be changed at any time, and you are logged out after 20 minutes of inactivity. If your phone or card is stolen, customer service is available Monday to Saturday during working hours.<\/p><p>Monese is registered with the FCA (Financial Conduct Authority) and is authorised to deal in electronic money, but isn\u2019t technically a bank. In practical terms, this means that your money is held in a segregated account that Monese can\u2019t touch (even if it were to go bust), but it isn\u2019t protected by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme.<\/a><\/p>\n        \n            <h3>What do customers say about Monese?<\/h3>\n        <p>77% of customers we <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks#best\">surveyed<\/a> in 2026 would recommend Monese to a friend.<\/p>\n        <p>It's primarily utilised by customers as a convenient secondary or travel account rather than a main bank. Users appreciate its ease of use, functionality abroad, and the ability to utilise pay points in the absence of traditional branches.<\/p>\n<p>However, the provider faces significant criticism regarding its fee structure, particularly charges for transferring money. Several users also reported poor customer service and a clunky app experience, suggesting it may not be robust enough for primary, day-to-day banking.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \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>Pros and cons of Monese<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>UK current account that does all you can expect, including direct debits and standing orders.<\/li>\n                                    <li>Fast and easy set-up (no credit check needed).<\/li>\n                                    <li>Colourful app that is easy to use, allows you to categorise your transactions and freeze the card if you lose it.<\/li>\n                                    <li>Can open both a UK and European account and switch instantly.<\/li>\n                                    <li>Offers a Credit Builder feature.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Depending on the plan, you may incur a range of fees, including for cash top-ups, foreign spending and ATM withdrawals.<\/li>\n                                    <li>To avoid these fees you'll need to pay for the more expensive Premium plan.<\/li>\n                                    <li>All plans charge a fee for card delivery, unless you make a \u00a3100 first deposit.<\/li>\n                                    <li>No physical branches.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<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: Is an account from Monese worth it?<\/h3><p>Monese is great for travellers and works well if you are looking to set up an account quickly in another country. Depending on the plan you pick, you may benefit from low or no fee card payments and some fee-free ATM withdrawals abroad, something you can only dream of with a traditional bank.<\/p><p>However, to get the most out of your account, you\u2019ll need to pay a monthly fee and there are far more attractive options out there. Competitors Monzo and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a> are similar but have a full banking licence and offer more features, including overdrafts and fee-free spending abroad \u2013 even if you pick a free account. <\/p><p>Finally, if you regularly need to make international money transfers and hold multiple currencies, you should check out <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a>, which beats Monese by allowing you to hold and transfer around 30 different currencies for free. Get started by downloading the app.<\/p><h3>Frequently asked questions<\/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 does Monese make 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=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In three main ways<\/p><ul><li><strong>Treasury income.<\/strong> Some deposits are held by the Bank of England where they gather interest.<\/li><li><strong>Interchange income.<\/strong> The fee that Monese takes from card transactions.<\/li><li><strong>Fees and commissions.<\/strong> Fees Monese charges for certain payments. It also makes money from upselling Monese accounts, which require a small fee to maintain.<\/li><\/ul><\/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\">How easy is it to top up?<\/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\">Easy, head to your existing account and transfer money from there or go to a PayPoint or Post Office and pay money in manually for a small fee. You can find your account details easily on the Monese app.<\/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\">Can you cash a cheque?<\/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. Monese won\u2019t currently allow you to cash cheques.<\/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\">How much money can I put into my Monese account in a single payment?<\/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\">The answer depends on how you deposit your money. If you use the Post Office, the maximum deposit per day is \u00a3500. If you use PayPoint deposits, you can deposit a maximum of \u00a3249 per transaction but a total of \u00a3500 per day.<\/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=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">What are the limits on withdrawing 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=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There\u2019s no limit to the number of times you can withdraw money. However, the daily maximum that can be withdrawn is \u00a3300.<\/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=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How to upgrade my Monese account?<\/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=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Upgrading is simple. Go to the account menu and choose \u2018My Plan\u2019 to upgrade. You\u2019ll need to have enough funds on the account to cover the 1st monthly fee. Should you wish to downgrade again, you can do so at any time.<\/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=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">How do I deposit money into my Monese account?<\/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=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">There are currently 4 main ways to top up your UK Monese account:<p><strong>(1) Cash top ups<\/strong><\/p><p>Go to a Post Office or PayPoint location. Give them your debit card and the money you wish to deposit. With Monese Pay as you go and Everyday plans, you pay a 3.5% fee. With the Cashback plan you have a fee-free limit of \u00a3100 a month and with Premium this rises to \u00a31,000. Funds will be available on your account in a couple of days.<\/p><p><strong>(2) Bank transfers<\/strong><\/p><p>To transfer funds into your Monese account from another UK bank, you will need your Monese account number and sort code. Find these details in the app.<\/p><p><strong>(3) IBAN transfers<\/strong><\/p><p>You can pay money into your Monese UK account from outside the UK by using the following details:<br>Recipient \/ Beneficiary: Monese Ltd<\/p><p>IBAN: EE047700771001660150<\/p><p>BIC\/SWIFT: LHVBEE22<\/p><p>Comment \/ Reference to beneficiary \/ Reference: (Your Monese ID e.g. M12345) (You can find your Monese ID inside the Monese mobile app. Android users will  find it via the side menu. iOS users will be able to find it in the \u2018Account\u2019 section of the app.)<\/p><p>You also need to ensure your Monese ID is included as a reference.<\/p><p><strong>(4)<\/strong> <strong>Instant debit card top up<\/strong><\/p><p>Go into the app, head to the \u2018Instant Top Up\u2019 section and enter your debit card\u2019s info. <\/p><p>Debit card top ups are only free with the Premium plan. Otherwise you\u2019ll pay 2% with the Pay as you go plan and 1% with the Everyday and Cashback plans. Any foreign exchange will be done by the issuer of the debit card used and an additional 2% fee applies (excluding the Premium plan). Also, note that credit cards will not work with this feature.<\/p><p>You will also soon be able to top up with Apple Pay or Google Pay.<\/p><\/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=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">What's the maximum amount I can hold in my Monese account?<\/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=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The Monese UK account maximum balance is \u00a340,000.<\/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=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Are there any alternatives to Monese?<\/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=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, there are other banking apps out there. We have even created a guide on some of the <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-alternatives\">better known alternatives<\/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=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">What is Trezeo?<\/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=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Acquired by Monese in late 2021, Trezeo was a peculiar hybrid between a credit card, a current account and a budgeting app. It was essentially a digital account that connected to your regular current account through Open Banking and managed your income for you.<p>Based on your previous earnings, an algorithm calculated how much you make per week and transformed that into a weekly paycheque.<\/p><p>If you made more, it would put the extra money aside; if you earned less, it would take the rest from your savings or, if you don\u2019t have any, it would offer you an advance. In a way, it was like having a regular salary.<\/p><p>Trezeo was meant to be used mostly by freelancers and gig economy workers (such as Uber drivers or Deliveroo couriers) whose income can be a bit bumpy.<\/p><h4>How did Trezeo work?<\/h4><p>In order for Trezeo to work, you needed to have all your income paid into your Trezeo account (it had its own account number and sort code).<\/p><p>Trezeo then paid your average weekly salary into your regular current account and kept the rest in your Trezeo account. By doing so, it provided the following services:<\/p><ul><li><strong>Income smoother.<\/strong> You\u2019d know exactly how much you\u2019d get every week and how much you could afford to spend.<\/li><li><strong>Savings account.<\/strong> Trezeo helped you save by automatically putting aside any extra cash you earned. You didn\u2019t earn any interest on your savings, but Trezeo was looking into offering it (prior to acquisition). You could get your savings back into your regular current account anytime.<\/li><li><strong>Credit.<\/strong> It didsn\u2019t automatically come with the membership and you needed to apply for it. If you were accepted, Trezeo would top up your paycheque on those weeks when you earned less than your average, even if you didn\u2019t have any savings aside.<\/li><\/ul><p>You could keep all this under control directly from the Trezeo app.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<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>","protected":false},"excerpt":{"rendered":"<p>You can open and use a Monese account in the UK and across Europe. We round up the fees and features of this app-based current account.<\/p>\n","protected":false},"author":867,"featured_media":97475,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Monese review","_yoast_wpseo_title":"Monese review | Finder UK","_yoast_wpseo_metadesc":"You can open and use a Monese account in the UK and across Europe. We round up the fees and features of this app-based current account.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"1146","post_co_author_date":"2026-06-18T11:09:47","post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"2024-08-13T17:48:04","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-06-18 10:09:47\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to include details of Monese&#39;s new plans.\"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-97408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Monese review | Finder UK<\/title>\n<meta name=\"description\" content=\"You can open and use a Monese account in the UK and across Europe. We round up the fees and features of this app-based current account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Monese review\" \/>\n<meta property=\"og:description\" content=\"You can open and use a Monese account in the UK and across Europe. We round up the fees and features of this app-based current account.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-03-26T11:21:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/03\/monese_featured_image1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michelle Stevens\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/mstevens_uk\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michelle Stevens\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review\"},\"author\":[{\"name\":\"Michelle Stevens\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/9a582a1ad3f08b64a5a36f01e953fa22\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/3ec3d069395e635284332c38d5497002\"}],\"headline\":\"Monese review\",\"datePublished\":\"2018-03-26T11:21:20+00:00\",\"dateModified\":\"2026-06-18T11:09:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review\"},\"wordCount\":2963,\"commentCount\":8,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2018\\\/03\\\/monese_featured_image1.png\",\"articleSection\":[\"Current accounts\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#respond\"]}],\"comment\":[{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-10172\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-8529\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-6732\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-6715\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-6668\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-5744\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-4883\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#comment-4105\"}],\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review\",\"name\":\"Monese review | Finder UK\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/current-accounts\\\/monese-review#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2018\\\/03\\\/monese_featured_image1.png\",\"datePublished\":\"2018-03-26T11:21:20+00:00\",\"dateModified\":\"2026-06-18T11:09:47+00:00\",\"description\":\"You can open and use a Monese account in the UK and across Europe. 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We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/9a582a1ad3f08b64a5a36f01e953fa22\",\"name\":\"Michelle Stevens\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/MichelleStevensF1_Finder_600x600.png\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/MichelleStevensF1_Finder_600x600.png\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/2025\\\/12\\\/MichelleStevensF1_Finder_600x600.png\",\"caption\":\"Michelle Stevens\"},\"description\":\"Michelle Stevens is a deputy editor at Finder, specialising in banking, credit, loans and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. 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But first I want to do some advertisment for myself. If you use my bonus code B5MP2AJP you will get 5 GBP for free (after signup).\r\n\r\nI got to Monese because I was moving to the UK and had no bank account. As you might know when you foreigner, you will need to get a bank account to get a place to live. If you have no address you can not open a bank account. Thus I looked for an account where this is not the case. I stumbled over Monese and though that I want to give it a shot. The account creation process is really easy to do and a few days later I already received the bank card at my address in Germany.  \r\n\r\nAfter several months of using it I can say it is by far this most easy to use banking application I ever had. You have to be aware that there is some sort of 7000 GBP a day limit and a single transaction can not be higher than 4000 GBP but except for that it is a nice banking account.\r\n\r\nFeel free to contact me if I you have any questions.\r\n\r\nCheers\r\nJan","datePublished":"2018-11-27 20:22:08"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review#comment-6732","author":{"@type":"Person","name":"Olalekan"},"text":"I don't know why my account with Monese was closed. It's been almost 2 months now and my balance has not be received in the bank account I gave to them. Monese service is very bad and I am very disappointed.","datePublished":"2018-09-26 16:36:44"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review#comment-6715","author":{"@type":"Person","name":"Francesco"},"text":"They closed the account with my money inside and 15 days after they still did not send me to my other account. They give me a lot of problems with this, logistics and economics. It's a big fraud, attention please to everybody, don't open an account with this bank. ","datePublished":"2018-09-25 18:14:31"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review#comment-6668","author":{"@type":"Person","name":"Jones"},"text":"A really useful app and with low fees also! I used the code YN6PELE3 when registering to get a \u00a310 bonus. The best part of a monese account is that you can solve any problem online :)","datePublished":"2018-09-23 13:53:21"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review#comment-5744","author":{"@type":"Person","name":"Petyq"},"text":"Can I cash a cheque?","datePublished":"2018-08-30 20:03:10"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review#comment-4883","author":{"@type":"Person","name":"dom"},"text":"Great app :) if you use this code 6YL3B953 you have 5 \u00a3 offered at the opening of your account after making a first deposit of 10 \u00a3 !\r\neasy to use and very practice. 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