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Monese is the multi-currency mobile banking alternative that’s locally smart and globally connected. Use it to open a fully functional current account instantly, straight from your phone, and gain access to more features and services than you can shake a stick at - all celebrated by a 9.1/10 TrustPilot score. Now with support for Apple Pay in selected countries!

Get started today and in just 2 minutes transform your phone into a one-stop local banking branch where you’ll be able to send and receive money, get your salary paid in, set up Direct Debits and Recurring Payments - all while maintaining a complete overview of your earning and spending. You’ll also be able to withdraw cash from ATMs worldwide and to top up with cash at nearly 40,000 Post Office and PayPoint branches across the UK.

Supported in 12 languages and free of all those pesky hidden fees associated with traditional banks, Monese lets you open an account without need for proof of address or credit checks. Just have your passport or your national ID card to hand!

Moving from London to Paris to Bucharest and back to London? No problem! Unlike other mobile-only accounts, Monese is fully portable across 20 European countries and designed to help you bank like a local wherever you are.

So regardless of where you choose to live - whether it’s for frequent travel, work, study, family, or retirement - you can enjoy a smart, secure and connected banking service in your pocket.

Try it for free now and you’ll get immediate access to:

• A UK current account or a European IBAN account.ATMs
• An optional secondary account (£ or €) at no extra cost.
• An optional contactless Mastercard debit card you can use globally - online, in-store or at ATMs.
• The ability to quickly send and receive money locally and internationally.
• A helpful and caring customer support team, available via in-app chat, email and phone.
• A 100% secure banking platform that’s regulated by the UK Financial Conduct Authority.

Our feature-rich smartphone app also provides you with:

• A seamless way to link your British Airways Executive Club account, so that you can manage your Avios and your money, all in one place.
• Smart Transactions - see a detailed overview for every payment you make.
• Multiple ways to top up your account quickly, like instant debit card top-ups.
• An easy way to manage your Direct Debits and Recurring Payments to pay things like mobile phone contracts, rent, or gym memberships.
• State-of-the art security features such as locking or unlocking your card on the go, as well as 128-bit encryption (used by all major banks).
• A way to earn money by inviting your friends and family - we'll give you both a reward when they make their first card transaction with Monese!


You can sign up to one of our three plans:

• STARTER (£/€ 0.00 per month) to get going for FREE.
• PLUS (£/€ 4.95 per month) which includes 6 free ATM withdrawals, competitive foreign currency exchange rates and even more affordable top-ups.
• PREMIUM (£/€ 14.95 per month) which includes UNLIMITED free ATM withdrawals, completely free foreign exchange transactions and top-ups.

And now we also cater to customers with UK-registered businesses:

• BUSINESS (£ 9.95 per month) which gives you access to all the features of a UK business account and a Plus personal account at no extra cost.

You can open an account with us regardless of your citizenship or financial history, as long as you’re at least 18 years old and live in the European Economic Area (EEA).

What’s New

Version 5.19.1

Introducing Monese Pots! With this new feature you’ll be able to put aside some money from your main account whenever you like - and save for that special something.

This release also includes updates to our new budgeting tool.

Love our app? Then don’t forget to rate us! Your positive feedback really makes our day.

Ratings and Reviews

4.8 out of 5
14.5K Ratings

14.5K Ratings


Something funny about these reviews

I downloaded this but so many people in the first couple of pages of reviews speak about the bank closing there accounts and how customer service is absolutely terrible with responses or just fob you off to a different dept who don't answer, also for so many terrible reviews why are the stars so good so I just can't take the chance with them one bad review ok or a few but in two pages lots of the same comments about closing accounts and not getting there money back and the reply on here is always keep in contact with our service dept when the complaints are about the service dept not replying BEWARE BEWARE SOMETHING MOT RIGHT.

Developer Response ,

Hi there - thanks for your review! Accounts can be closed for various reasons, you can have a look at the terms on our website for a bit more detail on that. Our high average rating is a direct reflection of many happy customers (many of whom use Monese as their primary account), which we're completely humbled by!

Bauuzer ,

Okay but shady

Monese works okay as a prepaid alternative to banking but there are multiple flaws that never get corrected out of what can only be seen as not caring about the customer.

1) Payment Times despite all the requests, payments in still take hours (unless you want to pay a fee for topping up your own money using your card)

2) Business Accounts, these supposedly work the same as personal accounts but the application is beyond pointless as they don’t even aim to bring in a new business customer, if you’ve had an issue signing up

3) Avios, these I won’t deny are a great addition BUT the fact you can spend a lot and never received Avios, nor support from British Airways or Monese for missining Avios, makes it a pointless enticement

Honestly Monese needs to correct these faults as with a growing list of alternatives to pick from, who wants to wait 2 hours and pay so many fees when Starling Bank is all instant and low fees, and much less of a darn headache

Developer Response ,

Hi there - we're always working on improving our services and we really appreciate your review! We'll definitely share it with our team and investigate!

cms9-3 ,


Have downloaded, deleted and re-downloaded this app now more times than I want to think about and still each time I try and use it, the app states that an update is required. However I am yet to find an update available on the App Store, each time I click update now it takes me to the Monese download page whereby it asks me if I want to open the app. Completely infuriating and can guarantee that my last deletion of the app will be the final one and I will not be downloading it again in future and have been advising all I know to avoid at all costs if they wish to maintain an iota of their sanity!!!!


Monese Ltd
299 MB

Requires iOS 10.3 or later. Compatible with iPhone, iPad and iPod touch.


English, Bulgarian, Czech, French, German, Italian, Lithuanian, Polish, Portuguese, Romanian, Spanish, Turkish

Age Rating
Rated 4+
© 2013 Monese Ltd


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