1. What bonuses are available? Subject to the eligibility criteria, you can earn a bonus when you open a Monese account as a new customer using a promotional code provided by Monese through social media or other direct Monese channels.

2. What do you have to do? To earn a bonus:

• you must open a Monese account through the Monese app or website by using the promotional code when signing up;
• you must receive and activate your Monese Mastercard, then use your Monese Mastercard card for a single transaction (see below under “which transactions qualify to meet the bonus criteria?”) of any amount.

3. Which transactions qualify? There is no minimum value for a qualifying transaction to meet the criteria for the bonus, but transactions towards other financial services products (such as paying off credit card bills) as well as gambling / betting services are excluded.

4. Payment of bonuses The bonus will be paid out once the bonus criteria are met as described above. Any transactions that count towards meeting the bonus criteria will need to “settle” before a bonus payment will be triggered; this can take up to 72 hours after the transaction is initiated. Once the bonus criteria have been met (including settling of any transactions), the relevant bonus will be paid directly into your Monese account. This can take up to 72 hours.

5. Exclusions and limitations Sign-up bonuses (as described above) cannot be combined with any other promotions when opening their Monese account, including referral bonuses. Once you open an account using a referral code, you will have one year in which to meet the eligibility criteria for the bonus. Any accounts which have not met the criteria by the first anniversary after account opening will cease to be eligible to earn bonuses in relation to that code.

6. Miscellaneous Monese can suspend, terminate or change the terms and conditions of the promotion at any time and without notice. This includes, but is not limited to:

• Changing the eligibility criteria
• Changing the definition of a qualifying transaction for the purposes of a bonus
• Changing the amount of any bonuses payable

The current terms and conditions of the promotion that are applicable from time to time (e.g. the amount of bonus payable) will be displayed within the Monese app or on the Monese website. The availability of the promotion is at Monese’s absolute discretion. Monese is entitled to refuse to allow you to participate in the promotion without giving reasons and shall incur no liability to you or any other person for any such refusal. Monese reserves the right to suspend accounts, withhold or reverse any bonuses due or already paid if we notice any activity that we believe is abusive, fraudulent, or in violation of the Monese Terms & Conditions or the terms and conditions of the promotion (as set out in this document and/or within the Monese app or on the Monese website). Monese reserves the right to review and investigate all referral activities and to suspend accounts or modify referrals in our sole discretion as deemed fair and appropriate.