easypaisa vs Monese
easypaisa
easypaisa.com.pk
Monese
monese.comSide by side
| Figure | easypaisa | Monese |
|---|---|---|
| Price from | Free | £2.50/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 1 | 7 |
| Spec score · Digital Wallet Apps | 8.8 (#5) | 8.1 (#18) |
| Founded | The company's 2011 annual report says easypaisa was launched on October 15, 2009. | 2015 |
| Headquarters | The website lists its address as 21 Fazeelat Arcade, G-11 Markaz, Islamabad, Pakistan. | London, United Kingdom |
| Integrations | The merchant gateway supports payment integration with a website or mobile app and offers payment integration guides. | Customers can add Monese cards to Apple Pay and Google Pay. |
| Security | The bank's customer protection document includes protection against fraud and invasion of privacy among its guiding principles. | Security features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking, and real-time notifications. |
| Support | The bill payments page lists customer support at 111 00 3737 and [email protected]. | Customers can contact Customer Support through in-app chat or email [email protected]. |
Plans
Monese
- Pay as you goFree
- Everyday£2.95 a month
- Cashback£7.95 a month
- Premium£14.95 a month
- Everyday£29.95 a year
- Cashback£79.95 a year
- Premium£124.95 a year
In their own words
easypaisa
easypaisa is a digital banking and payment service from Karachi, Pakistan, available on Android, iOS, web, and through an API. Customers can send money to easypaisa accounts, CNICs, bank accounts, and Raast IDs, with transfers described as instant. The app pays bills for more than 1,500 organisations, including utilities, internet, telephone, and credit-card billers. It also provides mobile load and packages for Pakistani networks, plus savings, loans, international remittances, insurance, donations, and buy now pay later services. Businesses can accept online and QR payments, Mini Apps, and payment links, or connect the gateway to a website or mobile app. The service lists online payments and retail Till and QR payments as free. Transfers to another easypaisa account are free for the first five monthly transactions, then cost 1% for transactions six through ten and 2% thereafter, including tax. Account limits vary by level and can be increased by verification and upgrade.
Monese
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.