Coinbase Wallet Free plan 9.0 Visit 
Monese
monese.com
What it is
Monese offers mobile money accounts for spending, sending and saving through an app. Accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards. The app provides spending overviews, weekly and monthly budgets, instant spending notifications, and up to 10 savings pots with roundups. Customers can add cards to Apple Pay and Google Pay, or link multiple UK bank accounts to view balances and make instant top-ups. Security features include biometric login, multi-factor authentication, 3D Secure, single-device access and card locking. Monese is available on Android, iOS and web. Its Pay as you go account is free and described as basic and intended for occasional use. Everyday costs £2.95 a month and includes two free bank transfers out monthly, with a £1 fee beyond that allowance. Applicants must be at least 18, live in one of 31 EEA countries, and provide an email address, phone number, government ID and in-app video selfie. Monese says UK e-money funds are safeguarded, but its services are not covered by the Financial Services Compensation Scheme. It has no physical branches and does not handle cash or cheques.
Spec sheet
- Product
- Monese offers mobile money accounts for spending, sending and saving through an app.Read 4 Oct 2026 · monese.com
- Integrations
- Customers can add Monese cards to Apple Pay and Google Pay.Read 4 Oct 2026 · monese.com
- Security
- Security features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking, and real-time notifications.Read 4 Oct 2026 · monese.com
- Support
- Customers can contact Customer Support through in-app chat or email [email protected].Read 4 Oct 2026 · monese.com
- Headquarters
- London, United KingdomRead 28 Sep 2026 · monese.com
- Founded
- 2015Read 28 Sep 2026 · monese.com
- Account features
- Its accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards.Read 4 Oct 2026 · monese.com
- Account opening
- The 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.Read 4 Oct 2026 · monese.com
- Budgeting
- The app includes spending overviews, weekly and monthly budgets, and instant spending notifications.Read 4 Oct 2026 · monese.com
- Notable limits
- The 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.Read 4 Oct 2026 · monese.com
- Open Banking
- Customers can link multiple UK bank accounts to view balances and make instant top-ups from the Monese app.Read 4 Oct 2026 · monese.com
- Safeguarding
- Monese says UK e-money funds are safeguarded and explains that its services are not covered by the Financial Services Compensation Scheme.Read 4 Oct 2026 · monese.com
- Savings pots
- Customers can create up to 10 savings pots with a roundup feature.Read 4 Oct 2026 · monese.com
- Who it serves
- Monese 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.Read 4 Oct 2026 · monese.com
Plans and prices
Pay as you go Free Designed for occasional use · basic account Read 4 Oct 2026 · monese.com
Everyday £2.95 a month Pay monthly 2 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Cashback £7.95 a month Pay monthly 10 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Premium £14.95 a month Pay monthly 200 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Everyday £29.95 a year £2.50/month; £29.95 billed yearly 2 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Cashback £79.95 a year £6.66/month; £79.95 billed yearly 10 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Premium £124.95 a year £10.41/month; £124.95 billed yearly 200 free bank transfers out monthly · £1 fee outside allowance Read 4 Oct 2026 · monese.com
Strong points and limits
Strong points
- Free Pay as you go basic account.
- Supports physical and virtual cards.
- Offers up to 10 savings pots with roundups.
- Links multiple UK bank accounts for balances and top-ups.
- Provides biometric login and card locking.
Limits
- Services are not covered by the Financial Services Compensation Scheme.
- Has no physical branches and does not handle cash or cheques.
- Everyday includes two free bank transfers out monthly; excess costs £1.
- Applicants must be at least 18 and live in one of 31 EEA countries.
Who it suits
Monese may suit people underserved by traditional banks and people travelling, living or working abroad in its service area. Its budgeting tools, savings pots and linked-account top-ups may suit app-based money management.
Verdict
Monese brings payments, budgeting, savings pots and card controls together in a mobile money account. Check its eligibility requirements, transfer allowances and safeguarding note before choosing a plan.
Where Specifiction places it
- Digital Wallet Apps#18 of 448.1
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