We actually quite like the colour blue. It’s a bright sky, or a vast ocean, oh and it’s our main company colour too, but ever since a travel company named the third January of the year ‘Blue Monday’, we know there’s some defending to do. Said to be the result of the festive period ending, the return to work or study combined with cold weather and little daylight, it’s easy to see how the day got its name (plus does anyone else have a monster cold that no amounts of honey and lemon can defeat?) However, here at Monese, we thought we’d try and reclaim the name, so to speak, and think of ways we can make it at least a good hue of blue. 

## 5 free things to make the most of this Monday

### __Try something new__
Look for free events near you and give something you’ve never done before a try, the sillier the better. Rope in a friend if you don’t want to do it alone. 

### __Contact an old friend__
Think of one person you’d like to know what’s going on with and contact them. You might not feel you have loads to update people on but just letting them know you’ve been thinking of them will make their day. 

### __Pass on the kindness__
Similarly, why not pass on an act of kindness? Cheering someone else up can cheer you up in the process. It could be something as little as complimenting someone on their outfit, or if you can afford to, paying for a pass-it-on coffee or lunch. We need more good karma in the world! 

### __Pre-Spring clean__
You might have come into the New Year with more stuff than you really need. Try to fill a small box with items -clothes, unwanted presents, books- you no longer use and take them to your workplace or a secondhand shop. Cleaning of your space is cleaning of the mind!

### __Get out and about__
Not to sound like a nagging parent, but even 15 minutes of walking in the fresh air can give the brain some well-needed oxygen. Pop on some trainers and see how far you can get on your break. Take a picture of something blue you spot along the way and tag us in it on your preferred social channel with the hashtag #MoneseBlueMonday . 

Remember! Blue Monday. Black Friday. They’re really just colours in front of days of the week and don’t really mean anything at all, but if you are struggling, please take a look at these resources that are here to help. 

[Citizen’s Advice](https://www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/get-help-with-bills/ "Citizens Advice help") have budgeting resources and know-how if you need help with your bills. 

[Mind](https://www.mind.org.uk/ "Mind UK resource") is a complete hub for mental health and well-being resources including crisis lines that can offer round the clock support. 

[Mental Health UK](https://mentalhealth-uk.org/help-and-information/downloadable-resources/ "Mental Health UK downloadable resources") have downloadable ready-made tips and activities including conversation guides and printable wellness plans. 

One last thing as a little thank you for reading this far, keep an eye out for something that should brighten up this January coming very soon to all our channels…

Keep up to date on [Facebook](https://www.facebook.com/MyMonese "Monese Facebook page"), [Twitter](https://twitter.com/monese "Monese Twitter"), [Instagram](https://www.instagram.com/monese/ "Monese Instagram") or write to us at community@monese.com.


A calendar showing 16th january peeling back with a sunny sky underneath 

Blog post > Blue Monday

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Blog post > Tips & Tricks > Blue Monday

Make the most of it with our tips to turn the frowns around

Blue Monday Blog > Country Tag > United Kingdom

Happy Blue Monday?

With a looming recession and prices surging, we know times are tough right now. Worrying about how you’ll pay for bills if you lose your job or fall ill shouldn’t be an added stress. 

That’s why we introduced Bills Protection and Purchase Protection insurance on UK paid plans last year to make sure you’re secure and have the peace of mind you need. 

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## How do I get Bills Protection and Purchase Protection insurance?

It’s simple: sign up or upgrade to any one of our paid plans right in your app, and your insurance is automatically built-in! No need to apply, fill out any long paperwork or manage policy documentation via email or post to start your insurance cover.  

What’s covered in my Bills Protection and Purchase Protection insurance?
Get covered for things like insurance premiums, rent and utilities, nursing fees, personal purchases and more with our Bills Protection and Purchase protection insurance on UK paid plans. 

## Classic
On our Classic plan, Bills Protection will cover you for a maximum of up to £1,200 for bills like school fees, streaming services and bills in hospital stays of up to 30 days (£30 per day). You also get shopping protection, which includes insurance for goods purchased with your Monese card, including electronic devices such as smartphones, in case of theft or accidental damage. Here are the main benefits of our insurance protection on the Classic plan:

If employed, up to a maximum of £1,200 for bills  in case of accident, sickness, involuntary unemployment
Bills in hospital stay coverage for up to 30 days (£30 per day)
Purchase Protection (last 90 days) of up to £1,000 per claim and £2,500 per year

## Premium 
Our Premium plan offers our greatest coverage with even larger claim allowances for both bills and expense protection so you’re as safe as can be. With Premium, you get up to a maximum of £1,800 to cover bills like gym fees, music classes, groceries and bills in hospital stays for up to 30 days (£50 per day). And of course, items insurance for things like mobile devices, laptops, tablets and brand new items for personal use. Here’s how much is covered: 

If employed, up to a maximum of £1,800 for bills in case of accident, sickness, involuntary unemployment
Bills in hospital stay coverage for up to 30 days (£50 per day)
Purchase Protection (last 180 days) of up to £4,000 per claim and £10,000 per year

## How do I make an insurance claim?  
At Monese, making a claim is simple and you can do it all straight from your phone in just a few taps: 

__Step 1:__ Open your Monese app and head to the Explore tab on the home screen. 

__Step 2:__ Tap on either Bills Protection or Purchase Protection under Insurance then hit ‘Start a claim’. 

__Step 3:__ Follow the steps to quickly complete your online form and submit your claim.

That’s it!

To learn more about our insurance, check out our [FAQ](https://support.monese.com/hc/en-gb/sections/4407003396882-Monese-Insurance- "Monese Insurance") articles. Don’t forget to let us know what other features you’d like to see in your app by dropping us a line at community@monese.com or on [Facebook](https://www.facebook.com/MyMonese/ "Monese offical Facebook page"), [Instagram](https://www.instagram.com/monese "Monese official Instagram page") or [Twitter](https://twitter.com/monese "Monese official Twitter page"). 


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Blog >  Protect yourself with automatic insurance

Have peace of mind with built-in Bills Protection and Purchase Protection

 Protect yourself with automatic insurance

Like with anything we do, we like to make things easy and simple. So forget awkward restaurant bills and complicated maths. Now, you can send requests for splitting transactions with friends straight from your app!  

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## How to split the bill with Monese
![Bill Splitting (1)](//images.ctfassets.net/96dxy75w1gjr/35nmvXNUpSknbYC0d8SsZO/92ee56ee622efaea3955a14a714c6279/Bill_Splitting__1_.gif)

Whether you need to split the bill for that weekend brunch, a bar tab, group trip or friend’s birthday gift, you can do so hassle-free in just a few quick steps in your app: 

__Step 1:__ Tap a transaction and then on ‘Split bill’

__Step 2:__ Choose who to split with from your Monese contacts list 

__Step 3:__ Split the amount equally or adjust it per person 

That’s it. You can add a personal note at the end if you like, and split your bill with up to 20 people! If someone needs a nudge, easily send them a payment reminder right from your app. 

The friend you need to split with not on Monese? Invite them to join, and you could earn money when they sign up using your invite code thanks to our [Invite and Earn](https://monese.com/invite-and-earn "Referral scheme") referral scheme.

For more information on this latest feature, check out our [FAQs](https://support.monese.com/hc/en-gb/sections/5950196101650-Bill-Splitting "Bill Splitting FAQs"). Let us know how you’re liking the feature and what sorts of things you’ve effortlessly split with friends! Share your thoughts on our [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com).

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Blog > Easily split bills with Monese

Easily split bills with Monese

Split the bills, not the friendship 🥑🥑 

Igal aastal lahkub tuhandeid inimesi oma koduriigist, et Ühendkuningriigis uuesti alustada. Uues kohas nullist alustamise võimalus on küll väga põnev, kuid elus on valdkondi, kus nullist alustamine võib olla takistuseks – näiteks sinu krediiditeekond ja -ajalugu. 

Teised, kes seisavad silmitsi krediidiajaloo puudumisega, on tuhanded ülikoolilõpetajad ja nooremad põlvkonnad, kes alles alustavad oma elu. Krediiditoodetele juurdepääsu nimel pingutavad ka juhutöötajad ja lisatöö tegijad, sest nende töö ja sissetulek ei vasta traditsioonilisele mustrile. Neil võib raha laenamisel olla vähem võimalusi. Näiteks sõpradelt või perelt laenu küsimine, kalli laenu taotlemine (nt kiirlaen) või hakkama saamine ilma laenuta. 

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Kui oled äsja Ühendkuningriiki kolinud või oled ellu astuv noor, pole sul Ühendkuningriigi krediidiasutustes krediidiajalugu. Taipad peagi, et krediidiajaloo puudumine võib Ühendkuningriigis takistada korteri üürimist, laenu võtmist või isegi mobiilipaketi saamist. Ja sarnaselt näiteks uue tulijana pangakonto avamisega, võib sul vaja olla krediidiajaloo taasloomiseks krediitkaart hankida. Selle põhjuseks võib olla nõuetekohaste dokumentide või isegi krediidiajaloo puudumine. 

Selliste vastuoluliste lünkadega seisavad välisriikide kodanikud sageli silmitsi ning see on probleem isegi noorte ja ülikoolilõpetajate jaoks, kes alles tulevad tööturule ning kellel pole veel oma ajalugu välja kujunenud, või inimeste jaoks, kelle laenutaotlused on varem tagasi lükatud. Seetõttu oli meie jaoks oluline välja mõelda, kuidas aidata pea 5,2 miljonit Ühendkuningriigis elavat inimest, kes on krediiditoodete osas nähtamatud. 

Meil on hea meel teatada, et Ühendkuningriigis käivitatakse [Monese krediidivõime kujundaja](https://monese.com/gb/en/features/credit-builder "Build your credit score with Monese Credit Builder ") ja see on saadaval kõigis meie pakettides 7,95 £ eest kuus (vastav APR 28,2%)*, eesmärgiga aidata sul luua oma krediidiajalugu ja jõuda lõpuks soodsamate laenupakkumisteni.  

Kuid kõigepealt tutvume põhitõdedega. Selles postituses vastame küsimustele, miks krediidihinne ja -ajalugu on nii olulised, mida need tähendavad ja kuidas meie uus krediidivõime kujundaja saab sinu elu tõeliselt ja sisuliselt muuta. 

## Miks on krediidihinne oluline
Sinu krediidihinde koostavad Ühendkuningriigis kolm krediidiagentuuri: [Experian](https://www.experian.com/ "Your credit report and FICO® Score—all free."), [Equifax](https://www.equifax.com/personal/ "Your Credit. Your Identity.") ja [TransUnion](https://www.transunion.com/ "Make sure your credit stays right-side-up with TransUnion®"). Seda mõõdikut kasutavad enamik finantsasutusi ja panku, et hinnata sinu võimet maksta tagasi võimalikke laene või krediiti. See põhineb sinu krediidiajalool ja mõõdab, kui hästi sa oma rahaliste kohustustega hakkama saad. Mida kõrgem krediidihinne, seda paremaid krediidipakkumisi võid võimalikelt laenuandjatelt saada.

Oma krediidihinnet näed kolmes Ühendkuningriigi krediidiagentuuris: Experian, Equifax ja TransUnion. Kõik need pakkujad arvutavad krediidihinde, et aidata laenuandjatel otsustada sinu krediiditaotluse üle.

Krediidiagentuurid kasutavad hinde arvutamiseks sinu krediidiajalugu ja kogu avalikult kättesaadavat teavet (nt valijate register). Tavaliselt tähendab kõrge hinne seda, et laenuandjad aktsepteerivad sind tõenäolisemalt.

## Aga mis on krediidiajalugu?
Krediidiajalugu on krediidivõimekuse mõõdik. Ühendkuningriigis on krediidiajalugu sinu viimase kuue aasta krediidikohustuste tagasimaksete ajalugu. See võib sisaldada krediidikontode arvu ja tüüpe, sinu kasutatud krediidisummat saadaolevast ja hiljutiste krediiditaotluste arvu. Sellel on järgmised üksikasjad sinu kohta:

- regulaarsed tagasimaksed
- tagasimakstud summad
- tasumata summad
- võlausaldajate arv

## Kas mul on vaja krediidiajalugu? 
Jah! Miks on krediidiajalugu oluline? Krediidiajalugu on oluline, sest selle põhjal määratakse krediidihinne. Kehv krediidiajalugu võib tulevikus mõjutada sinu võimalusi sõlmida mobiiltelefonileping, osta auto, üürida korter või saada laenu suurema ostu või ettevõtmise jaoks. 

## Krediidiajalugu: kuidas seda luua Monese krediidivõime kujundaja abil
Mis on krediidivõime kujundaja? Monese krediidivõime kujundaja aitab sul luua ja parandada oma krediidiajalugu ja -hinnet. See on esimene samm sinu finantstausta loomisel või parandamisel, kusjuures põhirõhk on sinu tagasimaksete ajaloo parandamisel. Enamikus Ühendkuningriigi krediidihinde mudelites peetakse seda suureks mõjuteguriks. Kui sinu krediidiajalugu ja -hinne paranevad, on sul võimalik saada parema väärtusega laene. 

Krediidiajaloo loomine meie uue krediidivõime kujundajaga pakub krediidihinde parandamiseks palju eeliseid. Esiteks on meie krediidivõime kujundaja intressivaba, erinevalt enamikest krediitkaartidest. Krediidivõime kujundajal on ka piiratud ajaraam (12 kuud), seega puudub püsivate võlgade tekkimise tõenäosus.

Samuti teavitame sinu kõigist tagasimaksetest kõiki kolme Ühendkuningriigi krediidiagentuuri: Experiani, Equifaxi ja TransUnionit – see on midagi, mida kõik krediidi kujundamise teenused ei tee. See on oluline, sest parandad oma krediidiajalugu kõigis kolmes krediidiagentuuris, mis omakorda annab sulle tulevikus juurdepääsu laiemale valikule parema väärtusega laenudele. 

Lisaks on meie krediidivõime kujundaja üles ehitatud nii, et säästes lood ka oma krediidiajalugu. Nende säästude abil on sul võimalik juurde pääseda ka teistele tulevikus pakutavatele Monese'i krediiditoodetele. 

### Kuidas krediidivõime kujundaja töötab
![EN Savings visual](//images.ctfassets.net/96dxy75w1gjr/1qoSMPqsIr1BDNshL6F1Ja/8c1278633bde0082728a67ddbea8b48b/EN_Savings.png)

Monese rakenduses saad valida kindla summa vahemikus 30–100 £, mida iga kuu tagasi maksta. Selle kohta leiad rohkem teavet allpool. Olenevalt valitud summast kasutame seda intressivaba krediidivõime kujundaja laenu loomiseks, mille lukustame sinu krediidivõime kujundaja rahapatta. 

### Mis on krediidivõime kujundaja laen? 
Sinu krediidivõime kujundaja laen võrdub 12 kuu tagasimaksetega. Näiteks kui otsustad, et saad aasta jooksul tagasi maksta 30 £ kuus, on sinu lukustatud pajas 360 £ suurune laen. See pada avatakse pärast viimast (12.) tagasimakset.

### Kuidas krediidivõime kujundaja laen töötab
![EN Onboarding visual](//images.ctfassets.net/96dxy75w1gjr/3Fqj5JWZBMCge3VM7UeYiS/cd1bba9e52b4992bf56af2ec7b911b3b/EN_Onboarding.png)

Igal kuul krediidivõime kujundaja intressivaba laenu tagasi makstes töötad selle nimel, et avada krediidivõime kujundaja pada. Teatame su igakuistest maksetest Ühendkuningriigi krediidiasutustele ning see aitab luua ja parandada sinu krediidiajalugu ja -hinnet. Aasta pärast on sinu intressivaba laen täielikult tagasi makstud. See tähendab, et sul on krediidiagentuurides ette näidata 12 kuud edukat tagasimaksete ajalugu ning sinu rahapada on avatud ja kulutamiseks valmis!

### Pea meeles…
Mõtle alguses hoolikalt läbi, millise summa sa makseteks valid. See arv peaks tulenema sellest, kui palju saad iga kuu tagasi maksta ega tohiks kunagi olla suurem kui sinu igakuine [kasutada olev sissetulek](https://support.monese.com/hc/en-gb/articles/4409215668370 "What does affordability check mean?"). Suurem summa ei pruugi tingimata anda sulle paremat krediidihinnet. Krediidivõime kujundaja parim väärtus seisneb selles, et suudad oma tagasimaksed ilma raskusteta õigel ajal tasuda.

### Kui kiirelt krediidivõime kujundaja laen töötab?
Krediidihinde parandamine ei käi kiirelt. Olenevalt registreerumise ajast võib krediidiagentuuridel kuluda kuni 90 päeva sinu kohta käiva teabe värskendamiseks. Tavaliselt kulub 3–4 igakuist tagasimakset, et näeksid oma krediidihinde tõusu. Oma krediidihinde saad teada, kui võtad ühendust krediidiinfo agentuuridega. 

### Krediidivõime kujundaja laenu taotlemine 
Krediidivõime kujundaja taotlemiseks pead elama Ühendkuningriigis, sul peab olema Monese GBP konto ja pead olema 18–75-aastane. Kui sul on õigus krediidivõime kujundajat kasutada, näed seda võimalust oma Monese'i rakenduse avakuval või vahekaardil Avasta. 

Meil on väga hea meel pakkuda Ühendkuningriigis krediidivõime kujundajat, et aidata sul liikuda turvalise finantstuleviku poole. Krediidivõime kujundaja kohta lisateabe saamiseks vaata meie [KKK-sid](https://support.monese.com/hc/en-gb/sections/4409193469970-Credit-Builder "Credit Builder") ja anna teada, kuidas see funktsioon sulle meeldib! Jaga oma mõtteid [Facebookis](https://www.facebook.com/MyMonese/ "Monese official Facebook page"), [Twitteris](https://twitter.com/monese?lang=en-GB "Monese official Twitter page"), [Instagramis](https://www.instagram.com/monese/?hl=en "Monese official Instagram page") või kirjuta meile aadressil [community@monese.com](mailto:community@monese.com). 

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 **Näitlik APR: laen kui osa krediidivõime kujundaja teenusest, on intressiga 0%, kuid finantskeeles seostub teenustasu 7,95 £/kuus 28,2% APR-iga, sest see on krediidivõime kujundaja teenuse hind. See põhineb 600 £ suurusel laenusummal.*

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Blog post > How to build credit history without a credit card

Meil on hea meel teatada, et käivitame Ühendkuningriigis Monese krediidivõime kujundaja, mis on saadaval kõigis meie pakettides. Soovime aidata sul luua oma krediidiajalugu ja selle abil saada paremaid laenupakkumisi.

Kuidas luua krediidiajalugu ilma krediitkaardita

Tutvustame Monese krediidivõime kujundajat


We’re always looking for ways to make your Monese experience a smooth and seamless one. So we’ve figured out a way to make managing all your money so much easier. Thanks to Open Banking technology, you can now link your UK bank account to your Monese app so you can view and manage all your money accounts and balances in one place! 

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## What are the benefits of linking my bank account?
There are plenty of pros that come with having your UK bank account linked to your Monese app. First, you’ll have everything in one place making it easier to manage and view all your balances and accounts straight from your Monese app. This, in turn, will make it smoother to create budgets for yourself as you’ll have a more holistic view of all your money. At a glance, you’ll be able to decipher how much you can afford to spend or save. Rest assured that linking your bank accounts is secure and your data stays protected with bank-level security. 

## How do I link a bank account? 
![Open-Banking---EN (2)](//images.ctfassets.net/96dxy75w1gjr/1EOgFWPpVQHXo4XoQp53eh/f9da475abaa5f1f5460b107de639b52a/Open-Banking---EN__2_.gif)
Linking one, two or more UK bank accounts is very simple and can be done with a few simple taps: 

- __Step 1:__ Open your app and tap on the dropdown accounts list (above your balance).
- __Step 2:__ Select ‘Link a bank account’ to connect your accounts. 
- __Step 3:__ Tap on ‘Continue’ and we’ll prompt you to select your UK bank.
- __Step 4:__ Log into your bank and select the account(s) you’d like to link.
- __Step 5:__ Tap ‘Authorise’ to give us access.

That’s it! You’ll have successfully linked your bank to your Monese app. Your new linked bank account will be visible under the accounts dropdown list. You’ll need to reauthenticate your linked account every 90 days to keep it linked and visible in the app but don’t worry – we’ll remind you. You can also cancel any linked accounts to remove them from your app at any time.   

We’re excited for you to try out this latest feature. Once you do, let us know your thoughts and how a linked bank account has made your experience with our app easier! Write to us on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com) with your opinions.   

Open Banking - Landscape

Blog post > Link your bank account to your Monese app  

Thanks to Open Banking technology, you can now link your UK bank account to your Monese app so you can view and manage all your money accounts and balances in one place!

Link your bank account to your Monese app

See all your account balances in one place

Link your bank account to your Monese app  

Oleme Monese's arvamusel, et raha haldamine peaks olema lihtne, arusaadav ja probleemitu. Tahame tagada sujuva kasutajakogemuse ning meie eesmärk on, et saaksid teha peaaegu kõike otse oma äpist. See hõlmab nüüd ka raha lisamist oma kontole seotud Ühendkuningriigi pangakontolt, et teha kiireid ja lihtsamaid pangaülekandeid, ilma et peaksid äpist väljuma! 

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## Kuidas välkkiire pangaülekanne töötab?
![Kuidas välkkiire pangaülekanne töötab](//images.ctfassets.net/96dxy75w1gjr/6vrap7JryRxFShLT6552zQ/500aec823a3c86d6473384292da87d5a/EN-Landscape.gif)

Selline uus raha lisamise viis toimib tänu Open Banking tehnoloogiale. Monese äpis on see valikus kui "Välkkiire pangaülekanne". Raha lisamine välkkiire pangaülekandega Monese kontole on lihtne. Seda saab teha järgmiselt:

__1. samm:__ Ava oma äpp ja puuduta avakuval valikut „Lisa raha”.

__2. samm:__ Vali "Välkkiire pangaülekanne" ja sisesta summa, mida soovid lisada.

__3. samm:__ Puuduta nuppu "Jätka" ja me palume valida Ühendkuningriigi panga.

__4. samm:__ Logi sisse oma panka ja vali konto, millelt soovid raha saata (ära muretse – sa ei pea Monese äppi sulgema).

__5. samm:__ Kinnita oma makse. 

See on kõik! Sinu kontojääki värskendatakse samaaegselt.

## Millised on välkkiire pangaülekande eelised?

See uus viis kontole raha lisamiseks säästab ka aega. Sa ei pea sisestama mingeid andmeid, nagu sort kood, saaja nimi, makse viide, kontonumber ja muud üksikasjad, mida sult tavalise pangaülekande ajal küsitakse – seega pole riski, et raha ülekandmisel sisestad vale kontoinfo! Meie välkkiired pangaülekanded on turvalised ja võid olla kindel, et sinu andmed on kaitstud.   

## Millisel muul viisil saab Monese kontole raha lisada? 

Välkkiired pangaülekanded on vaid üks paljudest viisidest, kuidas [oma Monese kontole raha lisada](https://monese.com/features/add-funds "Adding money easily"). Vali endale sobivaim meetod:

- Lisa raha oma kontole isiklikult deebetkaardilt ning saad seda kohe kasutama hakata
- Tee kiire ja tasuta ülekanne teiselt Monese kontolt, olenemata valuutast
- Ühendkuningriigis saad lisada sularaha mis tahes postkontori või PayPointi müügipunktis
- Jaga hõlpsalt oma Monese konto andmeid tööandjaga, et [saaksid palga otse oma Monese kontole](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") 
- Küsi kiirelt raha lähedal asuvatelt sõpradelt või oma kontaktidelt 

## Veel Monesest

Muudame lihtsaks turvaliste maksete tegemise ja oma kontol toimuva jälgimise mitmel viisil: 

- Classic ja Premium-pakettidega kaasneb Ühendkuningriigis [ostukindlustus](https://monese.com/features/insurance "Insure your essentials with Bills Protection and Purchase Protection") et kaitsta Monese kontoga ostetud uusi esemeid ning hüvitada varguse või kahjustuse tõttu tekkinud kahju.  
- Ostle südamerahus, sest lisaturvalisuse annab[Apple Pay](https://monese.com/blog/2019/06/monese-apple-pay-more-countries "Apple Pay is here for more Monese customers") või [Google Pay](https://monese.com/blog/2019/09/google-pay-europe "Monese, now with Google Pay across Europe")
- Täiendava kaitsekihi saad kasutades Monese [virtuaalkaarti](https://monese.com/blog/2019/12/create-virtual-card "Create a virtual card") ja maksta otse oma telefonist
- Kui kasutad oma füüsilist kaarti, saad seda oma äpi kaudu ise kontrollida: lukusta ja ava kaart rakendusesiseselt alati, kui seda vajad.
- Lisaks mobiiliäpile saad teenusega [Monese veebile](https://monese.com/blog/2020/04/monese-for-web "We’re rolling out Monese for web") [logida sisse](https://web.monese.com/ "Log in to your Monese account, wherever you are") oma kontole mis tahes seadmest ja veebibrauserist, et oma tehinguid vaadata ja sorteerida

<br/><br/>

Meil oleks hea meel teada saada, mida arvad sellest uuest lisamismeetodist ja kuidas meie muud funktsioonid on rahahalduse sinu jaoks lihtsamaks muutnud. Jaga oma mõtteid ja arvamust [Facebookis](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitteris](https://twitter.com/monese "Monese official Twitter page"), [Instagramis](https://www.instagram.com/monese/ "Monese official Instagram page") või kirjuta meile aadressil [Community@monese.com](mailto:community@monese.com).

Instant Bank Transfer (1)

Blog post > Adding money via bank transfers just got a whole lot easier 

Nüüdsest saad oma Monese kontole raha lisada välkkiire ülekandega lingitud Ühendkuningriigi pangakontolt, ilma et peaksid äpist väljuma!

Pangaülekannetega raha lisamine läks just palju lihtsamaks 

Lisa raha oma kontole pangaülekandega otse Monese äpist



Lots of exciting changes have been taking place over the last months in your Monese app. From new personalisation options to insurance features in the UK, we’ve brought many useful new things to your app – we figured it was about time for a feature roundup! Read on for highlights of what we’ve been up to.   

## Insure the essentials with Bills and Purchase Protection
![Pricing Hero - Landscape](//images.ctfassets.net/96dxy75w1gjr/5kMNk7x9T5l0uUd7tMy6bd/d387074ef9adca00c0f43959ca17b6b3/Pricing_Hero_-_Landscape.png)
For our UK-based customers, all our paid [plans](https://monese.com/pricing "Our pricing"), including the newly-introduced Essential [plan](https://monese.com/blog/refreshed-plans "We’ve refreshed our plans with exciting new benefits"), now come with [Bills Protection](https://monese.com/features/insurance "Insure your essentials with Bills Protection and Purchase Protection"). This will cover bill payments like golf club fees, hobby fees – even regular charity donations – among others, made from your Monese account in case you [can’t work](https://monese.com/blog/income-protection "Is income protection worth it?") because you’re sick, lose your job or need to stay in hospital. It also comes with a hospital stay benefit of up to £50 per day on our Premium plan. 

Premium and Classic plans also come with automatic, built-in Purchase Protection which covers you for a refund if something you buy gets damaged or stolen, giving you the shopping protection you need. 🛍   

## Use your app in dark mode  
![Dark mode Monese app screen home](//images.ctfassets.net/96dxy75w1gjr/2rZFRpj0YXpvmdylLADJC8/9ddab6680d89b685e0abc806db950d6f/EN.png)
As one of the most requested features from you, [dark mode](https://monese.com/blog/dark-mode "We’ve gone dark! 🌚") was something we were excited to bring to your app back in August. Use your app in dark mode now by simply heading to your Settings and choose dark mode under ‘App appearance’ – perfect for you night owls and protecting your eyes! 👀

## Customise your app icon 
![App Icons](//images.ctfassets.net/96dxy75w1gjr/7cDjdzk6VEk16fHb5sig6e/192ef674076cf331445105014f066881/App_Icons.png)
Give your app icon some flare by choosing from five brand-new app icons! From dark, gold to even a hologram version, change it up whenever you feel like under ‘App appearance’ in your Settings. 

## In case you missed it…
![Huawei Blog Hero V2](//images.ctfassets.net/96dxy75w1gjr/28yDu3rpb42MCerh9aCMbZ/bc44a29744fc3eefe0a991f92424d7dc/Huawei_Blog_Hero_V2.png)
We’re now available on [Huawei’s AppGallery](https://appgallery.huawei.com/#/app/C103759763 "Monese - Mobile Money Account for UK & Europe") with the features you know and love including [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") and [Recurring Payments](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments"), [pots](https://monese.com/products/savings "Open Monese money pots"), [virtual card ](https://monese.com/blog/create-virtual-card "Create a virtual card")and more. Search for Monese in the [AppGallery](https://monese.com/blog/monese-huawei-appgallery "Monese now available in Huawei's AppGallery") today and use it in any one of the 14 languages we support!  

## And finally…
![MGM 1920x1080](//images.ctfassets.net/96dxy75w1gjr/4xR0VnpDJXvkgcXtc0YLDo/ed14632a955f328dc06aaea1031d0bf1/MGM_1920x1080.png)
Here are some of the other great things we’ve brought to your app over the last few months:

- You can now [invite and earn](https://monese.com/invite-and-earn "Make money for each new friend who joins and starts using Monese") for [friends](https://monese.com/blog/monese-better-with-friends "Monese is better with friends") who sign up and spend with Monese if you’re in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and UK 
- Since April, we’ve also made 358 fixes and improvements to your app 

<br/>
<br/>

Let us know what other cool features you’d like to see in your app. We’re always open to your thoughts and ideas so drop us a line at [community@monese.com](mailto:community@monese.com) or get in touch on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page") or [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page"). ✨

Q3 Round up - Landscape

Blog post > Your Autumn 2021 feature update 🍁

From new personalisation options to insurance features in the UK, we’ve brought many useful new things to your app. We cover the highlights of what we’ve been up to.   

Your Autumn 2021 feature update 🍁

Here’s what’s been happening these past few months

*__18 May 2022 update__:* *This blog post was updated to reflect our latest* [pricing details](https://monese.com/gb/en/pricing "*pricing*"). 

Kui oleme eelmisest aastast midagi õppinud, siis kindlasti seda, et elu on täis ootamatusi, mis võivad kõik meie plaanid segi lüüa. Sellepärast tahame edaspidi aidata oma kasutajatel olla igasugusteks ootamatuteks hetkedeks võimalikult valmis. 

Nii et nendel südantlõhestavatel ja kõhedatel aegadel, kui asjad ei lähe plaanipäraselt, oleme oma paketid ümber kujundanud, et need pakuksid Ühendkuningriigis elavatele klientidele automaatset kindlustust, et saaksid end kindlalt ja turvaliselt tunda, olenemata sellest, mis elus ette tuleb. Meie uued tasulised paketid sisaldavad arvete kindlustust haiglas viibimise, õnnetuse, haiguse ja tahtmatu töötuse korral; ja ostukaitse kindlustust, sealhulgas elektrooniliste seadmete, näiteks nutitelefoni, kaitset ja palju muud. 

<div data-comp="signup"></div>

### Classic
![Classic](//images.contentful.com/96dxy75w1gjr/68FXIhOFqoKELFWycIZLIl/6104141cae24f4ff61754eda29ee1346/Classic.png)

5,95 £ eest kuus saad valida või uuendada meie Classic paketi, mis pakub sulle veelgi suuremat kaitset! 

Classic paketiga kaasnev arvete kindlustus võimaldab maksta kuni 1200 £ selliste arvete eest nagu koolitasud, voogesitusteenused ja arved haiglaravi ajal kuni 30 päeva (30 £ päevas), lisaks saad ostelda veebis või poes meelerahuga, teades, et pakett sisaldab ka ostude kaitset. 

See hõlmab sinu Monese kaardiga ostetud kaupade, sealhulgas elektrooniliste seadmete, näiteks nutitelefonide, kaitset varguse või juhusliku kahjustamise korral. Saad esitada nõudeid kuni 1000 £ nõude kohta ja 2500 £ aastas viimase 90 päeva jooksul tehtud ostude eest. Siin on Classic paketi peamised eelised.

- Töötamise korral kuni __1200 £__ õnnetuse, haiguse või tahtmatu töötuse korral
- __Arved haiglaravi ajal kuni 30 päeva (30 £ päevas)__
- Ostukaitse (viimased __90 päeva__) kuni __1000 £ nõude kohta ja 2500 £ aastas__
- 500 £ kuus limiit __TASUTA__ sularahaautomaadist väljavõtmiseks kogu maailmas 
- 400 £ kuus limiit __TASUTA__ igakuiseks sularaha lisamiseks maksepunktides
- __Soodsad__ rahvusvaheliste ülekannete tasud alates 0,5%
- __Piiramatu ülemaailmne teenustasuta__ kaardimakse välisvaluutas suurepäraste vahetuskurssidega 
- __Tasuta kohaletoimetamine__ Monese Mastercardi deebetviipekaart (holograafiline)

### Premium
![Premium](//images.contentful.com/96dxy75w1gjr/1bWNJ2r6KWThf2V4XfJTF0/2f961dbebbd1f62359d3d4754fc696df/Premium.png)

Meie kõige põhjalikum pakett koos madalaimate tasude, kõrgeimate limiitide ja suurima katvusega: meie Premium paketiga kaasnevad suuremad nõuete limiidid nii arvete kui ka kulude kaitse jaoks, seega saad end tunda turvaliselt vaid 14,95 £ eest kuus. 

Premiumiga saad kuni 1800 £, et katta arveid nagu spordisaalitasud, muusikatunnid, toidukaubad ja arved haiglaravi ajal kuni 30 päeva (50 £ päevas). Samuti saad ostukaitse kuni 4000 £ nõude kohta ja 10 000 £ aastas viimase 180 päeva jooksul tehtud ostude eest. Kui valid Premiumi, saad ka:  

- Töötamise korral kuni __1800 £__ õnnetuse, haiguse või tahtmatu töötuse korral
- __Haiglaravil olevad arved kuni 30 päeva (50 £ päevas)__
- Ostukaitse (viimased __180 päeva__) kuni __4000 £ nõude kohta ja 10 000 £ aastas __
- 1500 £ limiit kuus __TASUTA__ sularahaautomaadist väljavõtmiseks kogu maailmas 
- 1000 £ limiit kuus __TASUTA__ sularaha lisamiseks maksepunktide asukohtades
- __TASUTA__ rahvusvahelised ülekanded suurepäraste hindadega 
- __Piiramatu ülemaailmne teenustasuta__ kaardimakse välisvaluutas suurepäraste vahetuskurssidega 
- Toimetame __lisatasuta__ kohale sinu Monese kontaktivaba Mastercardi deebetkaardi ja __TASUTA__ asenduskaardi (premium-kaart) 
- __Eelisjärjekorras__ juurdepääs klienditoele 

### Starter 
![Starter](//images.contentful.com/96dxy75w1gjr/3CDma5nh0hbSevtklfTHK0/74deef1cfc482d15d9cf6b5cc019f98c/Starter.png)

Meie Starteri pakett on täiuslik, kui oled Monesega just tutvust tegemas. Kui soovid Monese rakendust esialgu proovida või oled huvitatud elementaarsetest põhiasjadest, siis Starteri pakett on kasulik kulutamiseks, reisimiseks ja raha välismaale saatmiseks. Selle plaaniga saad: 

- __Soodne__ teenustasu 1,50 £ pangaautomaadist raha väljavõtmisel  
- __Soodne__ 3,5% tasu igakuise sularaha lisamise eest müügipunktides
- 2,5% teenustasu (nädalavahetustel täiendav 1% tasu) rahvusvaheliste ülekannete eest suurepäraste hindadega
- 2% teenustasu välisvaluutas kaardimaksete eest suurepäraste vahetuskurssidega 
- Tasuta standardne Monese kontaktivaba Mastercardi deebetkaart (saatmistasu 4,95 naela) 

## Pea meeles…
Kui soovid oma igakuise tasulise paketi pealt kokku hoida, on sul võimalus oma pakett muuta aastapõhiseks ja säästa kuni 30%. Pea meeles, et olenemata paketist saad Monesega liitudes:

- __TASUTA__ välkkiired rahaülekanded Monese kontode vahel, olenemata valuutast 
- __TASUTA__ kohalikud ülekanded, et saaksid raha oma kontole saata ja seda välja võtta
- __[Korduvad maksed](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments")__ ja __[Otsekorraldused](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese")__, et saaksid arveid automaatselt maksta 
- __[Google Pay](https://monese.com/gb/en/features/google-pay "Monese with Google Pay™")__ ja __[Apple Pay](https://monese.com/gb/en/features/apple-pay "Easier, faster, more secure payments")__, et siduda sinu Monese konto ja maksta sujuvalt 
- __TASUTA__ [virtuaalne deebetkaart](https://monese.com/blog/create-virtual-card "Create a virtual card") 
- Kuni kolm Monese kontot __GBP, EUR__ ja __RON__ valuutas
- __[PayPali](https://monese.com/products/paypal "Monese with the power of PayPal")__ konto integreerimine, et saaksid rakendusesiseselt näha oma Paypali tehinguid ja kontot
- __[Aviose](https://monese.com/products/avios "Monese with Avios")__ konto integreerimine, et saaksid iga Monesega tehtud maksega koguda Aviose punkte 
- __TASUTA__ [ühine konto](https://monese.com/products/joint-account "Open a Monese joint account online") kahe Monese Mastercardi deebetviipekaardiga  
- __Kuni 10 [rahapada](https://monese.com/products/pots "Open Monese money pots")__ koos ümardamisfunktsiooniga, et saaksid raha kõrvale panna
-  Juurdepääs __intressihoiusega kontole__ koostöös meie partneri Raisiniga  
- Juurdepääs oma Monese kontole rakenduse või arvuti kaudu, kasutades linki [Monese veebis](https://web.monese.com/ "Log in to your Monese account, wherever you are")
- Mitmekeelne klienditugi, et saaksid [vestelda meie meeskonnaga](https://monese.com/contact "Get in touch ") 14 keeles 

<br/><br/>

Loodame nende uute [pakettidega](http://monese.com/pricing "Our pricing") pakkuda sulle turvavõrku ja aidata sul arendada paremat finantsilist stabiilsust ja turvalisust, et oleksid tulevikuks paremini ette valmistatud. 

Kindlustushüvitised kehtivad praegu ainult Ühendkuningriigis asuvatele klientidele. Kui oled klient, kes elab väljaspool Ühendkuningriiki, siis püsi lainel ja jälgi seda ruumi, sest meil on midagi ka sinu jaoks töös! 

Anna meile teada, mis funktsioone soovid veel meie rakenduses näha. Jaga oma mõtteid [Facebookis](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitteris](https://twitter.com/monese "Monese official Twitter page"), [Instagramis](https://www.instagram.com/monese/ "Monese official Instagram page") või kirjuta meile aadressil [community@monese.com](mailto:community@monese.com). 

Pricing Hero - Landscape

Blog > We’ve refreshed our plans with exciting new benefits

Meie uued tasulised paketid hõlmavad arvete tasumise kindlustust haiglas viibimise, õnnetuse, haiguse ja töötuse korral; ning ostukaitse kindlustust, sealhulgas elektrooniliste seadmete kaitset (näiteks nutitelefoni) ja palju muud.

Uuendasime oma pakette uute põnevate teenustega

Tutvustame automaatse arve ja ostukindlustusega pakette



See on olnud üks enim nõutud funktsioone ja lõpuks on see käes – lisasime tumeda režiimi, et kaitsta Monese rakenduse kasutamise ajal su väsinud silmi! Kuid see pole veel kõik, millega oleme tegelenud: oma rakenduse kasutuskogemuse isikupärastamiseks saad nüüd valida kuni 6 kohandatud ikooni hulgast, et rakendus teiste seast välja paistaks! 

![Kommentaarid V2](//images.contentful.com/96dxy75w1gjr/5RVRhltnQxCErjoZX3Zb0p/401a30f5992478fd3b814783a4043942/Comments_V2.png)

Loe edasi ja saad teavet kõigi võimaluste kohta, kuidas Monese rakendust vastavalt oma soovile kohandada ja kasutada. 

<div data-comp="signup"></div>

## Tume režiim
![Tume režiim](//images.contentful.com/96dxy75w1gjr/1sJWUHT4QzYGMOYcSxGdCF/b6d4fffdba4517dc9fd70ba2098c1920/Dark_Mode.gif)
Tume režiim säästab nii sinu silmi kui ka aku kasutusaega, lisaks näeb see lihtsalt lahe välja! Kui sinu telefon on juba tumedas režiimis, siis järgmine kord, kui käivitad Monese rakenduse, on see automaatselt tumedaks seadistatud. Muul juhul järgi rakendusesisese tumeda režiimi kasutamiseks paari lihtsat sammu. 

__1. samm:__ ava Seaded ja puuduta valikut Rakenduse välimus 

__2. samm:__ puuduta valikut Tume režiim ja vali oma tume teema 

Naudi! 🥷

## Rakenduse ikooni valimine
![Rakenduse ikoonid](//images.contentful.com/96dxy75w1gjr/7cDjdzk6VEk16fHb5sig6e/192ef674076cf331445105014f066881/App_Icons.png)
Jaotises Rakenduse välimus on sul võimalus proovida ka meie teist uut funktsiooni: uhiuusi rakenduse ikoone! Lõbusta end hologrammiversiooniga või proovi hoopis kuldset. Saad seda igal ajal vastavalt tujule muuta!  

## Avakuva kohandamine
![Uus avakuva - vidinate-ümberkorraldamine (2)](//images.ctfassets.net/96dxy75w1gjr/4V8gFZk8oxHWHLtEsBaqSu/0f234601fda422a3a258322a804046c3/How-To-Rearrange-Widgets__2_.gif)

Juhul kui sa pole märganud: saad ka [avakuva](https://monese.com/blog/new-home-screen "Welcome to your new home screen") oma maitse järgi muuta ja otsustada, milliseid vidinaid millises järjekorras soovid näha. Kui oled seadistanud rahapajad, saad valida, kas kuvada kogu rahapajas olev raha oma kontojäägi kõrval. Saad selle lihtsalt kuval Kohanda välja lülitada ja seadistada vidina, mis kuvab sinu igas rahapajas olevat summat.

## Teised lahedad funktsioonid
![Privaatne-režiim](//images.contentful.com/96dxy75w1gjr/1885E1jL8lW4uwTpVEmcL7/bc8dba20d7ebdcc2d975287a71ea775d/Private-Mode.gif)

Sinu Monese rakenduses on üksjagu vahvaid funktsioone, mida sa ehk ei kasuta, seega mõtlesime, et oleks hea sulle meelde tuletada kõiki suurepäraseid asju, mida saad oma rakendusega teha. 
- Privaatse režiimi käivitamiseks raputa telefoni, nii hoiad kontojäägi ja tehingud peidus, kui oled avalikus kohas.  
- Saad otse rakendusest hõlpsalt PDF-väljavõtte ühe ülekande kohta. 
- Poes või veebis osteldes jäta füüsiline kaart rahakotti ja maksa selle asemel [virtuaalkaardiga](https://monese.com/blog/create-virtual-card "Virtual card"). 

<br/><br/>

Veendu, et sul on rakenduse uusim versioon, nii ei jää sa ilma ühestki vingest funktsioonist! Ootame alati sinu tagasisidet ja ideid rakenduse kasutuskogemuse parandamiseks. Jaga oma kommentaare [Facebookis](https://facebook.com/MyMonese "Monese on Facebook"), [Twitteris](https://twitter.com/Monese "Monese on Twitter"), [Instagramis](https://instagram.com/monese "Monese on Instagram") või saada meil aadressil [community@monese.com](mailto:community@monese.com) – anna teada, kuidas sulle meeldib tume režiim! 🖤

Blog post > We’ve gone dark! 🌚

Lisasime tumeda režiimi, et kaitsta Monese rakenduse kasutamise ajal su väsinud silmi!

Muutusime tumedaks! 🌚

Kohanda oma rakendust tumeda režiimi ja muude isikupärastamisfunktsioonidega



A lot’s been happening over the last few months! We’ve unveiled quite a few new features to make your money management simple and easy. Read on to learn all that’s new with your app! 

### Customisable home screen
![New home screen - Modules](//images.ctfassets.net/96dxy75w1gjr/4jPNuhSGhvPx8yi427HHcX/8b73be07ef5e93223dce082c404819bf/Modules__1_.png)

We’ve redesigned our [home screen](https://monese.com/blog/new-home-screen "Welcome to your new home screen") so you can customise your app however you like! You can add or remove widgets to see any recently paid contacts, [savings pots](https://monese.com/blog/better-pots "Savings pots"), budget and your [Spending Overview](https://monese.com/blog/simple-spending-overview "Spending Overview"). Move them around the screen and reorder whichever widgets you want by tapping on the ‘Customise’ button at the bottom. You can also see how much you have in your pots right  next to your balance, or toggle to remove.

### Invite and earn referral program 
![MGM 1920x1080](//images.ctfassets.net/96dxy75w1gjr/4xR0VnpDJXvkgcXtc0YLDo/ed14632a955f328dc06aaea1031d0bf1/MGM_1920x1080.png)

Our famous [Invite & Earn](https://monese.com/invite-and-earn "Invite and earn with Monese") program is back in select countries (check your app to see if you're eligible). Make up to £20 (or €20 or 110 lei, depending on your primary account) for each new friend who joins and starts spending. Invite as many friends as you like but the bonus will only work for your first 5 invited friends, so you can make up to a total of £100.

<div data-comp="signup"></div>

### And finally...
Other new features we’ve brought to your app these past few months are: 

- A simpler currency converter screen 
- A new type of statement that you can download straight from your app that lists out any fees you’ve paid 
- An easier way to get help straight from your app for any unrecognised online card transactions 
- A revamped ‘Help’ section in the app to make finding information even simpler
- We’ve also made a total of 225 fixes and improvements in your app. 

We’re always open to hearing your thoughts and suggestions for every new feature we bring you. Let us know how we can improve your in-app experience by leaving us your ideas on [Facebook](https://www.facebook.com/MyMonese "Monese on Facebook"), [Twitter](https://twitter.com/monese "Monese on Twitter"), [Instagram](https://www.instagram.com/monese/ "Monese on Instagram") or emailing us at [community@monese.com](mailto:community@monese.com).   


Spring 2021 Feature Update

Blog post > Your Spring 2021 feature update

We’ve been unveiling quite a few new features to make your money management simple and easy. Read on to see what’s new with your app this spring!

Your Spring 2021 feature update

Here’s what we’ve been releasing so far this year

If one of your goals this year is to get control over your money, our app can help you do just that. From useful budgeting tools, virtual cards to savings pots and much more, with Monese, you can manage your accounts straight from the palm of your hand.   

So whether you’re just discovering Monese or have been with us for a while, we’re here to remind you of just a few of the features that’ll help you get a handle on your finances. 

## Receive your salary in your Monese account 
![Receive-Salary-1920x1080 Monese notification on phone](//images.ctfassets.net/96dxy75w1gjr/R9DTxB69lzTr29DOhoou9/2fde677d8c624e86e28103a8a912d6db/Receive-Salary-1920x1080.gif)

[Getting your salary paid into your Monese account](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") is the first step to getting a grip on your finances. If you know you get paid regularly, you can start planning for what income you know you’ll have each month and exactly how much you have to work with. This will then make budgeting and sorting your money even easier. 

## Budget and monitor your spending 
![Spending Overview 1](//images.ctfassets.net/96dxy75w1gjr/2irOdKukCaCmiWYilvzgOA/5df92e9292f7a5d62a047164dac47e1e/Spending-Overview-1.jpg)

Once you’ve subtracted your essentials such as your rent or mortgage, groceries, utilities, transport and so on, you can quickly give yourself a [budget](https://monese.com/features/budgeting "Budgeting made easy") for whatever you have left over. With Monese, you can set up a monthly or weekly budget that you can adjust at any time. Keep an eye on your spending with our [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") feature, which neatly categorises your expenses into 15 different lifestyle categories.  

## Pay with your Monese card (physical or virtual) 
![Virtual-card-set-up2](//images.ctfassets.net/96dxy75w1gjr/1MKIcC0YXQNiYpYb7zwBmG/2c72d4901eb5a9bfdee6e30fee5032ee/Virtual-card-set-up2.png)

When you open a Monese account, you can order your very own shiny contactless Mastercard debit [card](https://monese.com/features/debit-card "Get a prepaid debit card from Monese") for all your in-store and online shopping needs or worldwide ATM withdrawals. You can add your Monese card to [Apple Pay](https://monese.com/features/apple-pay "Apple Pay: Easier, faster, more secure payments") or [Google Pay](https://monese.com/features/google-pay "Monese with Google Pay™") to pay quickly and securely — no need for a physical card. Or [create a virtual card](https://monese.com/blog/create-virtual-card "Virtual card: Introducing another easy and secure way to pay ") right in your app for an extra layer of security when you make transactions in-store or online. Your Monese virtual card is also linkable to Apple Pay and Google Pay.   

## Set up your savings pots 
![Saving-Improved-Pots-2](//images.ctfassets.net/96dxy75w1gjr/1CSaqJMSADu9bHMUl5XsqR/8ae5f5ce6f1d6c837583b3caa2986c4a/Saving-Improved-Pots-2.png)

To help you [achieve your financial goals in 2021](https://monese.com/blog/financial-goals-2021 "Five tips to help you achieve your financial goals in 2021"), one of our top tips is to create savings [pots](https://monese.com/blog/better-pots "Pots have gotten even better") to help you keep your money separate from everyday spending. 

With Monese, you can create up to 10 different pots to help you save for more than one thing at a time. Give each pot a target amount plus a unique name like new laptop, [emergency fund](https://monese.com/blog/emergency-fund "How to build an emergency fund"), new cellphone or post-lockdown vacation to help keep you focused and on track. You can even round up transactions and multiply them by up to 10 — send spare change to your pot and multiply to help you reach your goals even faster!     

## Easily set up Direct Debits 
![Direct Debits 1920x1080](//images.ctfassets.net/96dxy75w1gjr/6hHr69bKgCD9w6T6eoCnXc/37c7580a7361fa97f44dabe6190632c2/Direct_Debit_1920x1080.png)

With Monese, you can effortlessly set up [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese"), so you don’t have to worry about a missed bill or payment ever again. Just share your Monese account number and sort cord with your service provider, request the date you’d like the payment to go out, and your goods provider will take care of the rest. Set it and forget it!  

## Make Recurring Payments 
![Recurring-3](//images.ctfassets.net/96dxy75w1gjr/35NiQZppeV7GdT9KB3iJDJ/e8b24e46484a52ec8249afcc70b5d365/Recurring-3.png)

Similarly, [Recurring Payments](https://monese.com/gb/en/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") can help you never to forget to pay your landlord or even send money to a savings pot. With Monese, you can manage and cancel these at any time right from your app. Our integrated notifications will remind you when you have a Recurring Payment coming up, so you have time to [top up your account](https://monese.com/blog/add-money "All the ways to add money to your Monese account") if you need to, and there are no surprises. 

## Control joint spending 
![JA visual-2](//images.ctfassets.net/96dxy75w1gjr/1xZwJvjfpxITWug2CkS42H/0da3278da30b02eb86faf32cd0cdd5b6/JA_visual-2.jpg)

With Monese, you can open a [joint account](https://monese.com/blog/launching-joint-accounts "Spend and save together with the new Monese Joint Account") with a partner, roommate, friend or family member to help you manage any shared expenses together. 

You’ll each get one of our rose gold contactless Mastercard debit cards and share one account number. This means you can both get your salaries paid directly into the account, set up direct debits and manage other payments and bills together. [Joint accounts](https://monese.com/products/joint-account "Open a Monese joint account online") also share the same balance and allowances, plus create up to 10 savings pots so you can save together too!   

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We’re always working on building upon these features and creating even more useful tools to help you get a grasp on your finances and keep you in control. As always, we’re open to hearing your thoughts or any ideas you may have to improve our product to make money management even easier. Leave us your comments on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com) with your feedback. 

Managing Your Money - 1920X1080 - Coins, joint account cards, spending overview, calendar, Monese

Blog post > Tools to use to better manage your money 

From useful budgeting tools, virtual cards to savings pots and much more, with Monese, you can manage your accounts straight from the palm of your hand.   

Tools to use to better manage your money 

Making the most of the features in your Monese app

We’re always exploring new ways to improve your in-app experience. That’s why you can now build your Monese home screen however you want! We’ve brought all your primary tasks to the forefront for better insights. With this new way of looking at your money, we think you’ll be more in control and make payments more easily. 

Now, let’s check out the updates! ✨

## Introducing widgets
![New home screen - Modules widgets](//images.ctfassets.net/96dxy75w1gjr/4jPNuhSGhvPx8yi427HHcX/8b73be07ef5e93223dce082c404819bf/Modules__1_.png)

Apart from your balance and transactions, your new home screen can now show you your account details, a summary of your spending, your budget progress, how much you’ve been saving to your pots, any outstanding payment requests, and the people you’ve recently paid. 

## Reorder or remove
![New home screen - How-To-Rearrange-Widgets GIF](//images.ctfassets.net/96dxy75w1gjr/4V8gFZk8oxHWHLtEsBaqSu/0f234601fda422a3a258322a804046c3/How-To-Rearrange-Widgets__2_.gif)

Build your Monese home screen exactly how you want by moving things around or only keeping the bits you’d like to see. Drag to reorder your widgets however you want, plus you can add or remove whichever ones you like. Just hit the ‘Customise’ button at the bottom to set yours up.

## See your savings 
![Home screen with savings vs home screen without savings monese app phone](//images.ctfassets.net/96dxy75w1gjr/5zBrpRdFRWFeTtALdvuzdF/f8a495809b0210392e95e2e9dacf62f9/Savings_Vs_No_Savings__1_.png)

When you fire up the app, you can now choose to see all the savings from your pots, right next to your account balance. You can easily toggle this off from the ‘Customise’ screen, and you can still set up a widget that shows you a breakdown of what’s in each of your pots.

<br/><br/>

Are you loving your new home screen? Are there any other widgets you’d like to see? Let us know what you like and how we could improve. Message us on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com "Email us") with your thoughts and suggestions.  

New home screen update Monese layout widgets

Hero - Landscape - with Savings (1)

Blog post > Welcome to your new home screen

You can now build your Monese home screen however you want! 

Welcome to your new home screen

Personalise your screen for better money management at a glance

Toredam Monesega maksete tegemisest ja raha kogumisest on seda teha koos sõpradega! Sõprade Monesega liituma kutsumiseks on nii palju eeliseid ja põhjuseid – otsustasime selles ajaveebi postituses välja tuua neist peamised.

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Lisaks kui oled meie klient Ühendkuningriigis või Saksamaal, on meie kuulus liitumiskampaania [Jaga ja teeni](https://monese.com/invite-and-earn "Make up to £100 for new friends who join and start using Monese") tagasi. Teeni raha kuni viie uue sõbra eest, kes liituvad Monese'iga ja hakkavad seda kasutama. See on saadaval piiratud aja, seega tegutse kiirelt! 

__18. märtsi uuendus:__ meie liitumiskampaania Jaga ja teeni on nüüd saadaval Itaalias ja Hispaanias elavatele klientidele. 

__25. märtsi uuendus:__ meie liitumiskampaania Jaga ja teeni on nüüd saadaval Taanis, Soomes, Islandil, Norras ja Rootsis elavatele klientidele. 

__4. juuni uuendus:__ meie liitumiskampaania Jaga ja teeni on nüüd saadaval Portugalis elavatele klientidele. 

__2. juuli uuendus:__ meie liitumiskampaania Jaga ja teeni on nüüd saadaval Horvaatias, Küprosel, Eestis, Kreekas, Ungaris, Iirimaal, Luksemburgis, Maltal ja Sloveenias elavatele klientidele.

__6. oktoobri uuendus:__ meie liitumiskampaania Jaga ja teeni on nüüd saadaval Austrias, Belgias, Bulgaarias, Tšehhis, Lätis, Liechtensteinis, Leedus, Rumeenias ja Slovakkias elavatele klientidele.

## Millised on eelised? 
Siin on kolm peamist põhjust, miks peaksid oma pere ja sõbrad Monesesse kutsuma. 

### 1. Saad välkkiirelt raha saata ja vastu võtta

Saada, küsi ja võta raha vastu välkkiirelt teistelt Monese kontaktidelt otse oma rakendusest. Pole tähtis, kas teed ülekandeid GBP, RON või EUR kontode vahel, sinu raha jõuab kontole sekunditega ja on valmis kulutamiseks või säästmiseks. 

![Request payment Monese screen app](//images.ctfassets.net/96dxy75w1gjr/24eHW6xz5ZjMLh9Snn6pcn/217f51bdd49fcdc50397883b8b573a52/request_still_-_android_3_v3.png)

### 2. Saad avada ühise konto 
Olgu selleks pereliige, toakaaslane, partner või sõber, kui kutsud kellegi Monesega liituma ja ta on registreerunud, saad seejärel kutsuda ta avama sinuga [ühise konto](https://monese.com/products/joint-account "Open a Monese joint account"). 

[Ühine konto](https://monese.com/blog/launching-joint-accounts "Spend and save together with the new Monese Joint Account") sobib suurepäraselt kahele inimesele, kes soovivad koos säästa, maksta, kulutada ja rahaseisul silma peal hoida. Näete mõlemad kontojääki, tehinguid ja saate reaalajas teatisi ühisel kontol toimunud muudatuste kohta ning olete seisuga kursis. Saate oma ühisele kontole luua kuni 10 rahapada, et koos [raha koguda](https://monese.com/blog/savings-goals-with-partner "Setting savings goals with your partner") ja saavutada ühised [rahalised eesmärgid](https://monese.com/blog/financial-goals-2021 "Five tips to help you achieve your financial goals in 2021").  

![Open a joint account Monese screen app](//images.ctfassets.net/96dxy75w1gjr/1xZwJvjfpxITWug2CkS42H/0da3278da30b02eb86faf32cd0cdd5b6/JA_visual-2.jpg)

### 3. Saad leida lähedalasuvaid sõpru 

Bluetoothi kaudu saad leida lähedalasuvaid Monese kontakte, et neile kiiresti maksta või neilt raha küsida. Lihtsalt veendu, et olete mõlemad leitavad, leidke üksteist ja ongi kõik! Raha saatmiseks või küsimiseks puuduta sõbra kontakti ja sellest piisab, täiendavaid üksikasju pole vaja. 

![Find friends Bluetooth Monese screen app](//images.ctfassets.net/96dxy75w1gjr/1Yo0PAIgPwkyKzI5HOyKq6/ab907ce5386f376465496f8c1912de1f/1920-Montly-round-up-Dec-2.jpg)

## Kutsu ja teeni 
Meie liitumiskampaania Jaga ja teeni taaskäivitamisel saad teenida kuni 20 £ (või 20 € või 110 leud, olenevalt sinu peamisest kontost) iga uue kutsutud sõbra eest. Kutsu nii palju sõpru, kui soovid, kuid boonust saad ainult viie esimese kutsutud sõbra eest, seega saad teenida kokku kuni 100 £ (või 100 € või 550 leud). Teenid raha, kui nad on Monesega liitunud ja hakanud kulutama. Hetkel saavad kampaanias osaleda ainult järgmistes riikides elavad kliendid. 

🇦🇹 Austria

🇧🇪 Belgia

🇧🇬 Bulgaaria

🇭🇷 Horvaatia 

🇨🇾 Küpros

🇨🇿 Tšehhi Vabariik

🇩🇰 Taani

🇪🇪 Eesti

🇫🇮 Soome

🇩🇪 Saksamaa

🇬🇷 Kreeka

🇭🇺 Ungari

🇮🇸 Island

🇮🇪 Iirimaa

🇮🇹 Itaalia

🇱🇻 Läti

🇱🇮 Liechtenstein

🇱🇹 Leedu

🇱🇺 Luksemburg

🇲🇹 Malta

🇳🇴 Norra

🇵🇹 Portugal 

🇷🇴 Rumeenia

🇸🇰 Slovakkia

🇸🇮 Sloveenia

🇪🇸 Hispaania

🇸🇪 Rootsi

🇬🇧 Ühendkuningriik

### Kuidas see töötab? 
Jaga ja teeni 4 lihtsa sammuga. 

__1. samm__ -  kutsu sõpru oma rakenduse vahekaardilt Kutsu. 

__2. samm__ -  kui sõbrad on kutsekoodiga registreerunud, tuleta neile meelde, et nad hakkaksid makseid tegema. 

__3. samm__ -  kui nad on teinud oma esimese kaarditehingu, saate mõlemad 5 £ (või 5 € või 30 leud, olenevalt sinu peamise konto valuutast). 

__4. samm__ -  nüüd innusta neid kulutamist jätkama. Kui nad on kaarditehinguteks kulutanud vähemalt 500 £ või 500 € või teinud selles summas rahvusvahelise ülekande (väljaspoole ELi/EMPd), saate igaüks oma lõpliku boonuse 15 £ (või 15 € või 80 leud, olenevalt sinu peamisest kontost). 

Ongi kõik! 
<br/><br/>

Kõik reeglid ja üksikasjad liitumiskampaania Jaga ja teeni kohta leiad [Üldpõhimõtetes ja tingimustes](https://monese.com/monese-referral-program-terms-and-conditions "Monese 'Invite & Earn' Referral Program - Terms and Conditions"). Kui sul on veel küsimusi, külasta lisateabe saamiseks meie [KKK](https://support.monese.com/hc/en-gb/sections/360004870779-Invite-and-Earn-Program "Invite and Earn Program") jaotist. 

MGM 1920x1080

Blog post > Monese is better with friends 

Monese on sõpradega parem

Meie liitumiskampaania Jaga ja teeni on tagasi\!



Monese on sõpradega parem 

Many people across the world are living far from their loved ones, whether for work, studies or all sorts of other reasons. But no matter how far apart, relatives still want to feel close to their kin, especially during times of financial need. So we make it easy to receive money from outside of Europe right into your app. 

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## Receiving money from outside the UK or EEA
Family and friends from all over can top up your account. Just remember that your Monese account can only receive GBP, EUR or RON. If their account is in a different currency, the sender will need to convert the money into one of these currencies and make sure to include your Monese ID as a reference when they make the payment, so the money reaches your account without a hitch. You can find your Monese ID right in the app under ‘Account details’. 

For full international bank transfer details, tap on ‘Add money’ on your home screen and select ‘Bank transfer’. From here, select the country you’re planning to receive money from, and you’ll have all the information the sender will need to make a payment. This includes the account name, IBAN and SWIFT/BIC. You’ll even have the option to share these details with the sender right from your app. 

![International Details Monese app screen 1920x1080](//images.ctfassets.net/96dxy75w1gjr/5qPz5EdwVlpGyGxQdJsGXo/cd624d28b78da81f1f73010e4abdc952/International_Details_1920x1080.png)

## What else should I know?
Remember, transfer times depend on the sending bank. The good news is that we don’t charge any fees for receiving payments, but keep in mind that the sending bank may charge for transfers. 

<br/>

If you have any more questions about receiving international payments, visit our [FAQ](https://support.monese.com/hc/en-gb/articles/115002026325-How-do-I-receive-international-payments-into-my-account- "How do I receive international payments into my account?") article for more details. And for more ways to add money to your Monese account, check out our [blog](https://monese.com/blog/add-money "All the ways to add money to your Monese account"). 

International Payments 1920x1080

Blog post > How to receive payments from outside Europe

How to receive payments from outside Europe

Top up your account with money from abroad  

Despite the crazy and disruptive year 2020 has been, we didn’t let it stop us from bringing you plenty of great new features to your app. So to wrap up a tumultuous year none of us are sure to miss, we’ve pulled together an end-of-the-year round-up of some of our favourite feature launches from the past 12 months.

Read on and take a look back with us! 🎉 

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## RON accounts with local IBANs 
![RON account app and card](//images.ctfassets.net/96dxy75w1gjr/1tAa9KDUtdtbR2vBcaWwcO/fa4a29ddbe5b41105e274640b31aafdd/RON-Visual-1-EN.png)

We started the year off with a bang with the introduction of [RON accounts](https://monese.com/blog/ron-accounts "Say hello to RON accounts") for a better, more localised experience. Since early February, customers in Romania have been able to receive their salary right into their Monese RON account, make use of a contactless Mastercard RON debit card and send, receive and spend like a true local in the country. 

## Monese for web 
![Monese for web screen](//images.ctfassets.net/96dxy75w1gjr/3j24A81jPAlVW0cStByu87/49e9a56300d2e6b038a30c8bbfa0a82a/Webapp-Blog-BodyImg.jpg)

While we’ll always be mobile-first, we brought you [Monese for web](https://monese.com/blog/monese-for-web "We're rolling out Monese for web ") back in April so you can easily access your Monese account from your desktop computer or tablet. With [Monese for web](https://web.monese.com/ "Log in to your account "), you can view transactions, check your balance, get statements, log in securely and keep things private with the same privacy mode feature you have on your mobile app. 

## Save up to 30% with an annual plan 
![Calendar and Monese cards](//images.ctfassets.net/96dxy75w1gjr/1QEfTJ3brZWquFf5iWAdbI/474fe70c03a4d0e6b5526faf047e062d/Annual-LS.png)

Since the introduction of [annual plans](https://monese.com/blog/annual-plans "Save more with annual plans") in June, you’ve been able to save up to 30% on Monese Classic and Premium plans. Get all the same features and generous allowances you love for less when you make the switch! You can easily sign up for an annual plan right in your app, or if you’re just joining Monese, you’ll see the option for an annual plan when you sign up.    

## Add cash to your account with Paysafecash 
![Paysafecash screens how it works steps](//images.ctfassets.net/96dxy75w1gjr/7HEYIumJhzAAwIx8Ko83kF/0bcbf44f10eb0d98b538a43ea3a6b26b/PaySafe-Visual-V2-1920x1080.jpg)

[Paysafecash](https://monese.com/blog/add-cash-paysafe "Add cash to your account with Paysafecash") is now an option for topping up your Monese EUR account with cash across Europe! We launched this feature in July and started with France, but quickly expanded to several other countries throughout Europe (you can find them all [here](https://monese.com/gb/en/features/paysafe "Add cash to your Monese account with Paysafecash")). 

You can quickly and securely top up your Monese EUR account with cash at nearly 72,000 Paysafecash payment points across Europe. This is part of our continued effort to expand our cash services, which include cash top-ups in the UK at any Post Office branch or high street shops and off-licenses with the PayPoint logo.

## French account numbers 
![French account details screen](//images.ctfassets.net/96dxy75w1gjr/m028Unn48u1180CxjH3Yn/3cbe44b26e7f90699a54b6d6edcea33c/FR_IBAN_Visual_1_V2.png)

At the end of July, we began rolling out [French account numbers](https://monese.com/blog/french-iban-account-number "Bonjour, French account numbers") for EUR account holders based in France. This makes it easier for people working in France to get paid directly into their account, set up SEPA Direct Debits, top up their account with cash via Paysafecash and lots more.  

## And finally...
Other goodies we were proud to bring to your app in 2020 include the following features:

- New and improved [pots](https://monese.com/blog/better-pots "Better pots") for your personal and joint account
- [Express mode for Apple Pay](https://monese.com/blog/express-mode-apple-pay "Pay even faster on Transport for London with Express Mode for Apple Pay") to pay even faster on London public transport with your Monese card 
- Add your Monese card to [Google Pay](https://monese.com/features/google-pay "Monese with Google Pay™") in even more countries throughout Europe 
- Create and send [invoices](https://monese.com/blog/business-invoices "Create business invoices") with your Monese business account 
- Get Smart Tips in your app for collecting Avios when you shop

<br/>

And there you have it! What have been some of your favourite new features of 2020, and what would you like to see us do in the new year? Let us know on [Facebook](https://www.facebook.com/MyMonese/ "Monese official Facebook page"), [Twitter](https://twitter.com/mymonese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com "Email us"). 

<br/>

Happy 2021! 🎊

Annual Round Up - 1920x1080

Blog post > Your 2020 feature roundup 

Your 2020 feature roundup

A look back at some of the biggest launches of the year  

Your 2020 feature roundup 

Whenever your balance is running low, there are many ways you can add money to your Monese account in just a matter of taps. Whether you’re topping up your GBP, EUR or RON account, you can always choose the most convenient way to add money straight from your phone. In this blog post, we’ll explore all the ways you can add money to your different currency accounts. You can also head to the ‘Add money’ screen found on your app's home screen to see all your options and get started.

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## Instant top-up
![Top up 1920x1080](//images.ctfassets.net/96dxy75w1gjr/hSIe7cQ6iZrDyaEa1gC4z/c6c2b199456a12208ceb1a2f594488ae/Top_up_1920x1080.png)

If you’re strapped for cash, there are a few ways to add money to your Monese account instantly. One of the easiest ways is to top up using another personal debit card you’ve got. Debit card top-ups are free, and your balance should be updated right away. 

## Request a payment
![request still - android 3 v3](//images.ctfassets.net/96dxy75w1gjr/24eHW6xz5ZjMLh9Snn6pcn/217f51bdd49fcdc50397883b8b573a52/request_still_-_android_3_v3.png)

To receive money instantly, you can also request money from other Monese customers for free. You can also find friends near you via Bluetooth — once found, tap on your friend and request your money. No need to enter any extra details!

## Move money between your accounts
![Move Money Landscape](//images.ctfassets.net/96dxy75w1gjr/376VVQPuCZq12G3A3qn6RG/3951bf12f3821fda8730ae5552fa9497/Move_Money_Landscape.png)

You can also conveniently move money between your different Monese currency accounts. Monese to Monese transfers are always instant and free, no matter the currency. This means you can move money between different currency accounts hassle-free, without additional fees.

## Bank transfers 
![Bank Transfer 1920x1080](//images.ctfassets.net/96dxy75w1gjr/3niZQDSA1neN5wtcU5w1fg/ed304fab60e167dca4b97a2ee008f4cf/Bank_Transfer_1920x1080.png)

You can, of course, add money to your Monese account by bank transfer! 

For local transfers, you can use your GBP account to instantly receive pounds from other UK accounts via UK Faster Payments; or you can use your RON account to receive local payments from other accounts in Romania (these usually take up to one working day). 

If you’re adding euros to your EUR account via bank transfer, you can do so via a SEPA payment. These usually clear within one working day (but can sometimes take up to 3 working days). You can also top up your EUR account with [Sofort](https://monese.com/gb/en/blog/sofort-top-up-european-account) (in some countries).

If you need to receive money from outside the UK or EEA, you can do so using a [dedicated Monese account number](https://support.monese.com/hc/en-gb/articles/115002026325-How-do-I-deposit-via-IBAN). Just remember that this account can only receive GBP, EUR or RON, and the sender will need to add your Monese ID in the reference field.

## Add with cash 
![PaySafe Hero - 1920x1080](//images.ctfassets.net/96dxy75w1gjr/2pjOFe8b4NYNZEg1QZ6jCM/315d03f323747e69cc544d3e624e3ce0/PaySafe_Hero_-_1920x1080.jpg)

You can top up your account with cash at over 40,000 Post Office and PayPoint locations in the UK. Just head to any Post Office branch or any convenience store or off-license that displays the PayPoint logo. Cash top-ups at the Post Office will arrive in your account the next day, while cash top-ups at PayPoint are usually instantly available in your account. 

We’ve also partnered with [Paysafecash](https://monese.com/blog/add-cash-paysafe), so you can add cash to your EUR account at tens of thousands of locations across Europe. We’ll soon be extending the service to more countries so stay tuned! 

## Receive your salary 
![Monese salary](//images.ctfassets.net/96dxy75w1gjr/1IXsUoIkmUom6wIerK6ZRb/ecd9a009bf3b9447ab36dc00212ae5d2/image__14_.png)

With our app, we make it easy to [receive your salary right in your Monese account](https://monese.com/blog/receive-salary). You can easily copy and share your account details with your employer straight from your phone by heading to the ‘Account details’ screen and tapping the ‘Share’ button. You’ll be able to share the details right away or even export a PDF of your account details to send over any messaging app.

## Instant bank transfer
![Open-Banking---EN (2)](//images.ctfassets.net/96dxy75w1gjr/1EOgFWPpVQHXo4XoQp53eh/f9da475abaa5f1f5460b107de639b52a/Open-Banking---EN__2_.gif)
__Updated on 4 April 2022__: You can add money to your account from a linked UK bank account for [instant and easier bank transfers](https://monese.com/blog/instant-bank-transfer "Adding money via bank transfers just got a whole lot easier") without ever having to leave your app! We’re able to offer you this top-up method thanks to [Open Banking](https://monese.com/features/open-banking "Monese with Open Banking – everything in one place") technology. It’ll save you time as you won’t need to enter any details like sort code, beneficiary name, payment reference, account number and other details asked of you during a typical bank transfer – therefore, no risk of entering any wrong account information when transferring money!

<br/>
<br/>

If you have any more questions about ways to top up your Monese account, visit our [FAQs](https://support.monese.com/) for more info.

All the ways to add money to your Monese account - Landscape

Blog post > All the ways to add money to your Monese account

All the ways to add money to your Monese account

Top up easily, quickly and securely

One of the easiest ways to make sure you always have money in your Monese account is by getting your salary paid right into it. In this blog post, we’ll go through how to share your account details with your employer, so you can rest assured your wages will land right in your account each time.

<div data-comp="signup"></div>

### Share your account details 
You can easily copy and share your account details with your employer straight from your Monese app. These details include information like your name, account number and any other necessary info. 

![Account-Details-1920x1080 (1)](//images.ctfassets.net/96dxy75w1gjr/3N6aKopWMHwzHU0wT3eq5M/8590f97bc8c001e3f5c94b536376262a/Account-Details-1920x1080__1_.gif)

### Here’s how to do it: 

__Step 1:__ Open your app and head to the ‘Details’ section on your home screen (under your balance).

__Step 2:__ Tap the ‘Share’ button, and you’ll be able to share the details right away or even export a PDF of your account details, to send over email or any other messaging app.

That’s it! With these details, your employer should have everything they need to pay your salary regularly into your Monese account.  

### How long will it take for my salary to land in my account?  
![Receive-Salary-1920x1080](//images.ctfassets.net/96dxy75w1gjr/R9DTxB69lzTr29DOhoou9/2fde677d8c624e86e28103a8a912d6db/Receive-Salary-1920x1080.gif)

Employers usually submit salaries with enough time for processing, so you can count on your salary landing in your account on time. In the UK, for example, we accept all common payment methods. Here are the typical processing times:

- __BACS payments__ — most commonly used for paying salaries and wages; these take 3 working days to clear
- __CHAPS payments__ — also widely used for salary and wages; these arrive on the same day if sent before 2pm, UK time
- __UK Faster Payments__ — the fastest payment method between UK accounts; these payments usually arrive in your account instantly

If you have an EUR account and you’re getting paid in euros, you’ll need to receive a __SEPA payment__, which usually clears within one working day (but can sometimes take up to 3 working days). If, for any reason, your employer refuses to accept your Monese IBAN for euro-to-euro payments, read our blog post on [IBAN discrimination](https://monese.com/blog/iban-discrimination) for advice on what to do. 

If you’re getting your salary in RON and have a [RON account](https://monese.com/blog/ron-accounts), you'll be able to receive a __local bank transfer__ from your employer thanks to our fully localised Romanian account numbers. Transfers usually arrive within 1 working day.  

As soon as the money is in your account, we’ll send you a notification letting know you’ve been paid! 🎉

If you have any more questions about adding money to your account or receiving your salary, check out our [FAQs](https://support.monese.com/) for more information.

Get your salary paid into your Monese account

Monese salary

Blog post > How to receive your salary in your Monese account

How to receive your salary in your Monese account

Get your money easily, quickly and securely 

At Monese, we’re always thinking about ways to manage your money more easily. With that in mind, here’s an overview of the things we’ve been working on this month to polish your app. 

<div data-comp="signup"></div>

### More Paysafecash countries 
In the past few weeks, we’ve added even more countries to our [Paysafecash](https://monese.com/blog/add-cash-paysafe) list! You can now top up your account with cash at payment points throughout the Netherlands, Luxembourg, Poland, Austria and Belgium. This is part of our continued effort to expand our cash services, which include cash top-ups in the UK at any Post Office branch, or at high street shops and off-licenses with the PayPoint logo.

### Spending and Budget Overviews combined 
We’ve made a design update to your [Spending Overview](https://monese.com/blog/simple-spending-overview) screen for a more seamless experience. We’ve joined the Spending and Budgeting screens, so you have a clearer picture of where your money’s gone so far, and what you still have left to spend. Haven’t set your monthly budget yet? It’s easy! We’ll prompt you to set yours up so you can start keeping better track of your money.

### Move money makeover
Not only did we fix some bugs, but we’ve updated the move money screen. Instantly move money to and from any of your Monese accounts (including joint account and pots).

### And finally…
Other enhancements we’ve brought to your app over the past weeks include the following:
- Updated the Explore tab, to help you discover all the different things your app can do
- Simplified the Settings screen to keep the most important details to hand
- We’ve also made 19 other fixes and improvements 

If you want even more good stuff, head on over to our blog to catch up on all our latest posts. Read about [money podcasts to listen to right now](https://monese.com/blog/money-podcasts), information on how to [shop and pay securely](https://monese.com/blog/secure-transactions), [work from home jobs to help you save](https://monese.com/blog/work-from-home-jobs) and tons more.

We’re always open to hearing your feedback or any ideas you may have for future features. Drop us a line on [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or at [community@monese.com](mailto:community@monese.com) to share your thoughts. 

September 2020 - 1920x1080

Blog post > Your September 2020 feature update

Your September 2020 feature update

Design updates and more features for a smoother experience

As usual, we’ve been busy unveiling all kinds of new features so you can make the most of our service. Read on to learn all that was new with your Monese app in July. 

<div data-comp="signup"></div>

### Quick and easy cash top-ups with Paysafecash
![PaySafe-Visual-V2-1920x1080](//images.ctfassets.net/96dxy75w1gjr/7HEYIumJhzAAwIx8Ko83kF/0bcbf44f10eb0d98b538a43ea3a6b26b/PaySafe-Visual-V2-1920x1080.jpg)

You can now add cash to your Monese account if you live in France, Portugal, Spain or Belgium! Thanks to our partnership with [Paysafecash](https://monese.com/blog/2020/07/add-cash-paysafe), you can top up with cash at nearly 12,000 Paysafecash payment points in France, 16,000+ in Spain 1,000+ in Belgium and 7,000+ in Portugal. This is part of our continued effort to expand on our cash services, which currently include cash top-ups in the UK at any Post Office branch or high street shop, corner-store or off-license with the PayPoint logo.

### Say bonjour to French account numbers
![FR-IBAN-Hero-NEW 50390c38ed0094a386d62c09f1033516 (1)](//images.ctfassets.net/96dxy75w1gjr/4IFjC2c7PHfrp6cZ2EtbUo/786b2dc14b73e291df47ddfabdbf7933/FR-IBAN-Hero-NEW_50390c38ed0094a386d62c09f1033516__1_.png)

We’ve launched fully localised [French account numbers](https://monese.com/blog/2020/07/french-iban-account-number) for new customers in France who join Monese. It comes filled with fantastic features to help you spend, send and save like a true local including Direct Debits, cash top-ups, PayPal account linking, plus the ability to receive your salary directly into your new French account! 

For our customers in France who are already part of Monese, we’ll have your French account number available over the next few weeks, so keep an eye on your app and email inbox for next steps.

### In case you missed it...
![Annual-LS](//images.ctfassets.net/96dxy75w1gjr/1QEfTJ3brZWquFf5iWAdbI/474fe70c03a4d0e6b5526faf047e062d/Annual-LS.png)

You can now save up to 30% on Monese Classic and Premium plans with our annual subscriptions. Get all the same great features for less! You can easily switch to a yearly plan within your app or if you’re just joining Monese, we’ll give you the option during sign-up. Try it out today, and if it’s not for you, you have 14 days to change your mind and get a full refund.

### And finally...
Other enhancements to your app include:

- If you live in France, Italy, Spain, Belgium, Luxembourg, Portugal, the Netherlands, Austria or Poland, you can now easily [link your PayPal account to your Monese app](https://monese.com/blog/2019/07/monese-with-paypal). 
- You can now get a PDF statement for a single transaction straight from your app.
- We've been tweaking the payments section to make things run a bit smoother.
- We can now send you a notification if your balance is low, so you'll never run out or miss a payment.
- We’ve also made 63 fixes and improvements to your app.

If you have any feedback or ideas, feel free to get in touch on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at  [community@monese.com](mailto:community@monese.com) to share your thoughts.

Your July 2020 feature update 50390c38ed0094a386d62c09f1033516 (1)

Blog post > Your July 2020 feature update

Your July 2020 feature update

French account numbers, cash top-ups & annual plans: here’s the latest on the Monese app

At Monese, we’re always working to make it easier to manage your money, no matter where you are. We recently launched [European account numbers](https://monese.com/blog/2019/10/new-eu-iban-account-number), and we promised to follow up with updates for our customers in France.
Today we’re excited to announce we’ve started the roll-out of French account numbers (IBANs) for customers based in France using Monese EUR accounts! 

<div data-comp="signup"></div>

### Your French account number
![FR-IBAN-GIF-NEW-V2](//images.ctfassets.net/96dxy75w1gjr/6EsFrt8rErAkaSxi1WWmlj/7cf7c3e81eedd1eccb3762cb5671db20/FR-IBAN-GIF-NEW-V2.gif)

Our French account numbers come packed with features that let you spend, send and save like a true local:

__Direct Debits__
You can now set up Direct Debits from your EUR account – you’ll be able to pay your bills in France and across Europe by setting up SEPA Direct Debits. Direct Debits give you peace of mind that your bills are being paid automatically, so you never miss a payment. 

__Cash top-ups__
You can also now top up your Monese account with cash! We’ve partnered with [Paysafecash](https://monese.com/blog/2020/07/add-cash-paysafe) so you can add cash to your Monese account from nearly 12,000 payment points throughout the country. 

__Receive your salary__
Receiving your salary in your Monese account has never been easier. Even though you [should already be able to use](https://monese.com/blog/2020/03/iban-discrimination) your existing account number for this, we’ve heard from some of you that a French account number is preferred by your employers. All you need to do is give them your new account number – it can easily be shared with anyone, by tapping on ‘Share’ from the ‘Accounts details’ page. 

__Link your PayPal account__
You can also [link your Monese account to PayPal](https://monese.com/eu/blog/2019/07/monese-with-paypal) to easily view your PayPal transactions right in your Monese app, and quickly add your Monese card to your PayPal digital wallet for extra security while you’re shopping online (without having to enter your card details).

### How to get started

![FR IBAN Visual 1 V2](//images.ctfassets.net/96dxy75w1gjr/m028Unn48u1180CxjH3Yn/3cbe44b26e7f90699a54b6d6edcea33c/FR_IBAN_Visual_1_V2.png)

Before we get you set up with a French account number, we’ll need you to upload a second ID document – this is to make sure we comply with local regulations.
It’s important to note that there won’t be any changes to how your Monese account and card works – and you’ll still be able use your original GB account number to receive payments.

If you’re just joining Monese now, you’ll be able to get a French account number right away.

If you've already got a Monese account, we’ll have your French account number available soon. We've already started the roll-out process, so make sure to keep an eye on your app and on your email inbox for next steps.

Your EUR account will start with the letters ‘FR’. You’ll find your French account number, BIC code and RIB key in your Monese EUR account under ‘Account details’ (you can find it just below your balance) on your app’s home screen. You can also find it in the ‘Account’ menu at the top left corner.

And remember that to upgrade, you’ll need to have the latest version of our app.

We can’t wait to see how you’ll be using your new French account number. We’d love to hear your thoughts on how it’s working for you and what you’d like to see added in the future. Feel free to message us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at  [community@monese.com](mailto:community@monese.com). You can also explore our Help Centre for more info – and if you have any questions, our [Support team](https://monese.com/contact) is always here to help.

FR-IBAN-Hero-NEW 50390c38ed0094a386d62c09f1033516 (1)

Blog post > Bonjour, French account numbers

Bonjour, French account numbers

Here’s everything you need to know about our new French account numbers (or IBANs) for customers living in France

While cash may not be the most popular payment method to use right now due to the pandemic, the reality is that it still plays a big part in many people’s lives. Customers in the UK, for example, can easily top up with cash at any Post Office branch or high street shop, corner-store or off-license with the PayPoint logo. Now, we’re excited to be expanding our cash top-up feature, starting with customers in France. 

<div data-comp="signup"></div>

We’re partnering with [Paysafecash](https://www.paysafecash.com/), so you can conveniently add money to your Monese account with cash at payment points all throughout your country.

We started with France, but we’ve already turned it on for more countries!

__29 July update:__ You can now top up your account with cash if you live in Spain, Portugal and Belgium.

__17 August update:__ You can top up your account with cash if you live in the Netherlands.

__1 September update:__ You can top up your account with cash if you live in Austria or Luxembourg.

__14 September update:__ You can top up your account with cash if you live in Poland or Bulgaria.  

__12 November update:__ You can top up your account with cash if you live in Romania.    

__1 June update:__ You can top up your account with cash if you live in Greece and Ireland.  

<br /><br />

## Where it works
You can visit Paysafecash payment points to top up your Monese account with cash if you live in one of these countries:

🇦🇹 Austria (nearly [5,000](https://www.paysafecash.com/de-at/) payment points)

🇧🇪 Belgium ([1,000+](https://www.paysafecash.com/fr-be/))

🇧🇬 Bulgaria ([300+](https://www.paysafecash.com/bg-bg/))

🇫🇷 France (nearly [12,000](https://www.paysafecash.com/fr-fr/))

🇮🇪 Ireland ([3,100+](https://www.paysafecash.com/en-ie/))

🇱🇺 Luxembourg ([29](https://www.paysafecash.com/fr-lu/))

🇳🇱 Netherlands (nearly [200](https://www.paysafecash.com/nl-be/))

🇵🇱 Poland ([9,600+](https://www.paysafecash.com/pl-pl/))

🇵🇹 Portugal ([7,000+](https://www.paysafecash.com/pt-pt/))

🇷🇴 Romania ([27,000+](https://www.paysafecash.com/ro-ro/))

🇪🇸 Spain ([16,000+](https://www.paysafecash.com/es-es/))

We’ll soon be extending the service to more countries, so stay tuned!

<br /><br />

## How it works

![Paysafe how it works blog](//images.ctfassets.net/96dxy75w1gjr/7ctSVYFo8MZdav7RVHf9ii/9724c684d14cf5a8d582f74fddde2f26/PaySafe-Visual-V2-1920x1080.jpg)

Adding money to your Monese account with Paysafecash is easy, simple and secure. Here’s how to do it:

__Step 1:__ Open your app, tap ‘Add money’ and find the Paysafecash option.

__Step 2:__ Once you’ve selected this, choose the amount you want to add (if it’s your first time topping up this way, we’ll ask you to set up your Paysafecash profile — you’ll only need to do this once).

__Step 3:__ A barcode will be created, which you can download to your phone and show at any participating Paysafecash location. The available sites will show up on your screen so you can find the one closest to you.

__Step 4:__ Once at your chosen location, hand your barcode to the cashier to scan and pay them the amount you’d like to deposit. They’ll give you a receipt.

That’s it! Your money should be in your account within the hour.

<br /><br />

## Things to remember

![Paysafe add money screen blog](//images.ctfassets.net/96dxy75w1gjr/A8HnnanrbZRneOzlNAlAk/f84ab9ee215947a49d3a13dec8966e9f/PaySafe-Visual-1920x1080-V2.jpg)

When using Paysafecash, here are some important things to keep in mind:

- The generated barcode has an availability of 2 hours, after which it expires.
- If the barcode has expired and becomes invalid, you’ll need to create a new barcode via your Monese app.
- Depending on your Monese plan, fees may apply: if you’re on Simple, 2.5% of the top-up amount (minimum €2) will apply. If you’re on Classic, you’ll pay no fees within the limits of your allowance. Once you go over your limit, a fee of 2% of the top-up amount (minimum €2) will apply. And if you’re on Premium, you pay no fees! We recommend looking at your plan allowances (under ‘My Plans’ in the app) for details. Fees are only charged once the top-up is complete and the money has landed in your account.
- If your money isn’t in your account within six hours, contact [Paysafecash customer care](http://support@paysafecash.com/) using the information presented in your receipt.

We’re really excited to bring you access to these types of cash services. While we look for ways to expand and improve on this new feature, we’d love to hear your thoughts on how Monese is working for you. What new features would you like to see in the future? If anything comes to mind, get in touch on [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or drop us an email at [community@monese.com](mailto:community@monese.com).

If you’d like to read more about how to deposit cash into your EUR account via Paysafecash, feel free to explore our Help Center. If you have any questions, our [Support team](https://monese.com/contact) is always available to help.

PaySafe Hero - 1920x1080

Blog post > Add cash to your account with Paysafecash

Add cash to your account with Paysafecash

Count on easy, quick and secure cash top-ups across Europe

At Monese, we don’t believe in hidden fees — on the contrary, we’re all about helping you save. That’s why we’re launching annual plans for our Monese Classic and Premium customers for even more savings! Annual plans include all the same great features and generous allowances you love, for less. Read on to learn more. 

<div data-comp="signup"></div>

## Our plans explained
*__Update__: our pricing has been updated since this blog post was published. You can find the latest details [here](https://monese.com/pricing "Our pricing")!*

With Monese you can choose from three flexible plans depending on what you need. Here’s a quick rundown of each:

### Simple
Our Simple plan is perfect for those in need of a mobile money account and a debit card, no matter if you’re a frequent traveller, online shopper or are just getting started. It comes with zero monthly fees and gives you a generous allowance to withdraw cash and spend in foreign currency for free.

### Classic
We designed our Classic plan for those who intend on using Monese as their main account, regularly withdrawing money or spending more in foreign currencies. It costs £5.95 per month if your primary account is in GBP (and €5.95 if it's in EUR, or RON 24.95 if it's in RON). But if you choose to pay annually, this goes down as follows:

- GBP: around £4.16 per month (£49.95 per year)
- EUR: around €4.16 per month (€49.95 per year)
- RON: around RON 17.16 per month (RON 205.95 per year)

### Premium
Our Premium account is the ultimate Monese account if you plan on using a lot of cash, spend a lot in foreign currencies or regularly send money abroad, and want to avoid paying any extra fees. It costs £14.95 per month if your primary account is in GBP (€14.95 if it’s in EUR and RON 69,95 if it’s in RON). But if you choose to pay annually, this goes down to:

- GBP: around £10.41 per month (£124.95 per year)
- EUR: around €10.41 per month (€124.95 per year)
- RON: around RON 48.83 per month (RON 585.95 per year)

## Pay annually for Classic and Premium
Signing up for an annual plan with Monese is easy. You can save up to 30% with a yearly subscription than with a monthly plan. Here’s how to subscribe:

- Open the Monese app.
- Open the sidebar menu and go to ‘My Plans’.
- Choose your plan (Classic or Premium).
- Make sure you have enough in your account.
- Choose to pay annually.

And that’s it! You’ll have 14 days to change your mind and get a full refund by contacting our Support team. If you haven’t joined Monese yet but would love to give it a go, you’ll see the option to sign up for an annual subscription during registration.

[Sign up now](https://monese.com/download-now)

As always, we’d love to hear your thoughts on how we’re doing and if there’s anything you’d like us to change or introduce. Feel free to give us a shout out on Facebook, Twitter or Instagram or via email at community@monese.com.

Annual-LS

Blog post > Save more with annual plans

Save more with annual plans

Make the most of Monese by saving up to 30% when paying for a Classic or Premium account

Another month has come and gone. Time sure is flying! While you’ve been busy [working from home](https://monese.com/blog/2020/03/stay-sane-working-remotely "Stay sane working remotely"), we’ve been busy working on building new features with each release. Here’s a quick summary of what we’ve been up to this April plus a little something extra for you, so read on! 

<div data-comp="signup"></div>

### Monese for web
![Monese for web home screen](//images.ctfassets.net/96dxy75w1gjr/3j24A81jPAlVW0cStByu87/49e9a56300d2e6b038a30c8bbfa0a82a/Webapp-Blog-BodyImg.jpg)

Although we’ll always be mobile by nature, we know a lot of you asked for a [web version](https://monese.com/gb/en/blog/monese-for-web "Monese for web") of our app. So for those who prefer viewing transactions on a bigger screen, our first version of [Monese for web](https://web.monese.com/ "Log in") is here! Log in to your account from any device and check your balance, search through transactions and download statements. In the meantime, we’re working on bringing more exciting features, so stay tuned.

### Save together with pots for joint accounts
 !["Vacation pots"](//images.ctfassets.net/96dxy75w1gjr/5JkblS8xvkfQdjSYfvZg6y/da46c6f243c16a9406242597d34989e8/joint_pot_tw-copy.jpg)

[Money has been a taboo topic](https://monese.com/blog/2020/02/talking-finances-partner-taboo-topic "Talking finances with your partner") between couples and families for a long time; however, now might be a more important time than ever to learn to save together. That’s why we’ve enabled pots for joint accounts. You can now create up to 10 personalised pots, set up recurring payments to one of them and choose to round up each transaction to send the difference to a pot. You can even multiply the spare change by up to 10 so you can reach your savings goals together even faster.

### In case you missed it…
![8 new feature launches](//images.ctfassets.net/96dxy75w1gjr/6JfngeBpH8t9ClBOWXhTrE/ae13f6b2bf3c9e90a13e37311c88a966/1920-Monthly-round-up-April-Body-V2.png)

We started with these monthly feature updates exactly one year ago. To celebrate the milestone, we thought it’d be a great opportunity to share some of our favourite features we’ve launched since then.

Here goes...

## RON accounts for a more local experience
This is truly something special for our customers in Romania — a [fully localised account in Romanian lei](https://monese.com/gb/en/blog/ron-accounts "Say hello to RON accounts") with a local IBAN and a contactless Mastercard debit card to allow you to make free local payments and easily receive your salary.

## Joint accounts to save together
Whether you’re sharing expenses with your partner, splitting rent with a roommate or saving for something special with a friend, easily manage your money together with [joint accounts](https://monese.com/gb/en/products/joint-account "Spend and save together with joint accounts")! Get better visibility and control over your joint spending. Quickly invite another Monese customer to open a joint account with you, order your cards and start spending, sending and saving together.

## Virtual cards for extra security
Whether shopping online or paying with your phone, you don’t need to pull out your physical card thanks to [virtual cards](https://monese.com/gb/en/blog/create-virtual-card "Create a virtual card"), which offer an extra layer of security. To create yours, open your app, go to ‘Card’ and swipe left to see the virtual card option.

## EU IBANs
While no organisation operating in a SEPA country is allowed to [discriminate against your IBAN](https://monese.com/gb/en/blog/iban-discrimination "IBAN discrimination"), we knew having a more localised service was important to you. That’s why we started offering [European IBANs](https://monese.com/gb/en/blog/new-eu-iban-account-number "Introducing your new European account number") (starting with BE) last year to all our customers based outside the UK or France with EUR accounts. And there’s even more exciting news to come soon on this front, so stay tuned!

## Monese with Apple Pay
Since the world is becoming increasingly reliant on digital and contactless payments, this was one of the [most wanted features](https://monese.com/gb/en/blog/apple-pay-is-here "Apple Pay is here"). Now you have an easy, quick and secure way to pay with your iPhone by adding your Monese card to [Apple Pay](https://monese.com/gb/en/features/apple-pay). Pay comfortably without the hassle of carrying your physical card around with you.

## Set money aside with pots
We first made it easy to spend and send money. Then we wanted to make saving simple too! We built [pots](https://monese.com/gb/en/products/pots "Monese pots") so you can quickly set aside funds and automate your savings. You can have up to 10 pots per currency account, name and set goals for each, round up your transactions and automatically send the spare change to a pot.

## A Monese cards makeover
We redesigned our cards to reflect our pricing better, offering a unique and sleek card design for each of our plans. Our vision was something futuristic and elegant... and we couldn’t be happier with the result! The vertical design is available now in beautiful combinations of sheer whites and subtly textured blues. Learn more about the latest design on our [Insights blog](https://medium.com/monese/our-new-monese-cards-da654c43f24a "Our new Monese cards").

## Link your PayPal and Monese accounts
We partnered with [PayPal](https://monese.com/gb/en/blog/monese-with-paypal "Monese with the power of PayPal") so you can quickly check your PayPal balance and review recent transactions straight from your Monese app. Seamlessly add your Monese card to your PayPal wallet too! The feature is currently available for customers based in France, Germany, Italy, the UK and Spain.

## Google Pay in more countries
Since [2018](https://monese.com/gb/en/blog/google-pay-the-easy-way-to-pay-with-monese-for-android "Google Pay and Monese"), Android users have been able to enjoy a faster and simpler way to pay at millions of places. They’ve been able to quickly add their Monese card to [Google Pay](https://monese.com/gb/en/features/google-pay) and use their phone to pay wherever contactless payments are accepted. Over the last year, we worked on bringing the feature to even [more countries across Europe](https://monese.com/gb/en/blog/google-pay-europe "Google Pay Monese across Europe") (15 total)!

## Reminder
Since the start of April, you can now spend more without the hassle of inserting your card and typing your PIN. Mastercard contactless payment limits for many countries are now higher:

- £45 in the UK (up from £30)
- BGN 100 in Bulgaria (up from BGN 50)
- HRK 350 in Croatia (up from HRK 100)
- €50 in Spain, Portugal and Cyprus (up from €20)
- €50 in Estonia, Germany, Greece, Latvia, Lithuania, Luxembourg, Malta and the Netherlands (up from €25)
- €50 in Ireland (up from €30)
- HUF 15,000 in Hungary (up from HUF 5,000)
- PLN 100 in Poland (up from PLN 50)
- SEK 400 in Sweden (up from SEK 200)

Just keep in mind that merchants need to update their card machines.

We’d love to know which of these features you’re most excited about plus what you’d like us to introduce in the future. Let us know on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com "Email us").

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Blog post > Your April 2020 feature update

Your April 2020 feature update 

Here’s what we’ve launched this month... and a few extras!

We’re happy to announce that you can now log in to your Monese account from your desktop with the new [Monese for web](https://web.monese.com "Log in to your account")! We’ve had lots of requests for a web version of Monese, so we’re incredibly excited to finally be able to share its first version with you.

<div data-comp="signup"></div>

## What can I use it for?
![Monese for web screen](//images.ctfassets.net/96dxy75w1gjr/3zyBf5svdyFT8v4BDo6xmU/99d3cc4305281319a73f17c3af26da45/Webapp-Blog-BodyImg__1_.jpg)

Easy to navigate, we designed the web version of Monese to provide you with more tools and better access to manage your account and expenses. Here’s everything you can use it for right now.

### Log in securely 
We’ve added an extra layer of security to Monese for web. On your first login, we’ll ask you to set a password, for which you’ll need to go through a two-factor authentication (2FA) process using your mobile app. You then won’t need your phone every time you use it.

### Check your balance
You can check your personal, business and other accounts like PayPal or Avios; plus your total balance, all in one place. For more details, just choose the account you want to view. 

### Browse your transactions
You can also filter transactions to easily find exactly what you’re searching for. Sort transactions by date, spending amount or category for a faster search.

### Download statements 
Monese for web lets you to download your account statements straight to your computer. Choose the date range for your statement and quickly get it in PDF or CSV format.

### Keep things private

For extra privacy, you can hide your on-screen balance using ‘Privacy Mode’, just as you would on our mobile app.

## How to get started
![Monese for web privacy mode](//images.ctfassets.net/96dxy75w1gjr/vWXl4jVRXW4mJ2rvahior/000cc3af6c5e1dc339b29784884bb646/web-app-privacy-mode.jpg)

It’s easy to log in to your Monese account from the web. Follow these steps to get started:

__Step 1__: [Go to web.monese.com](https://web.monese.com "Sign in to your account") and type in your phone number (you can also get to it from our website [home page ](https://monese.com/eu "Monese") via the ‘Log in’ button at the top right-hand corner). 

__Step 2__: Check your Monese app to get the 6-digit verification code (which you’ll need for your first login). For this step, make sure your Monese app is up to date.

__Step 3__: Type in the code and start navigating your accounts online! And don’t worry if you get caught up with something else, we’ll safely log you out if you’re inactive for too long.

## What’s next?
![Monese for web tweet](//images.ctfassets.net/96dxy75w1gjr/5qmlo3zE1sHRAzNfPXSuY3/4cbefdd446248fd423d69b4e7059486a/web-app-tweet-2.jpg)

For users who need larger screens for more complex activities related to their accounts, such as for business or other reasons, we hope this new online feature is useful to you. We’re working on adding more features &mdash; so take this as a sneak peek of what’s to come! 
Once you try out Monese for web, we’d love to hear your thoughts. If you have any ideas or suggestions for improvement, write us on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com "Email us").

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Blog post > We’re rolling out Monese for web

We’re rolling out Monese for web

You can now access your Monese account on web browsers too

Despite everything going on right now, one thing you can always be certain of and continue to count on is your account with Monese and our dedicated service to you. We’ve been as busy as ever to bring new features to your app &mdash; nothing’s slowing us down! So without further ado, here’s everything we’ve been up to.

<div data-comp="signup"></div>

### Create and manage business invoices
![Business-Invoices-Hero-Landscape 50390c38ed0094a386d62c09f1033516](//images.ctfassets.net/96dxy75w1gjr/6weQ192wmZvNm72xJOTxva/6305a0d7a64d5072526f60a56109b05c/Business-Invoices-Hero-Landscape_50390c38ed0094a386d62c09f1033516.png)

If you have a Monese business account, you can now easily handle your company’s billings right from the comfort of your smartphone, by creating and managing invoices from the app! When you’ve entered all the details of the invoice, you’ll be able to send the invoice to your client straight away or save it as a draft for later. All your invoices &mdash; both drafts and those already paid &mdash; will be available for you at any time directly in the Monese app. 

### In case you missed it...
![TransferV2](//images.ctfassets.net/96dxy75w1gjr/3ws0t9IyQeBgEgj2rdyxrh/4af1b29627ff752cf64dd390d273fbd4/TransferV2.jpg)

If you need to send, request or receive money from your friends and family during this difficult time, you can easily do so with our money-saving __[international transfer](https://monese.com/eu/international-money-transfer)__ service. With your Monese app, you can send fast international transfers, often with much better exchange rates than when using traditional banks. And if you’re sending between Monese accounts, your transfer is totally free and instant (no matter the currency). 

![1920-Budget-v2-2](//images.ctfassets.net/96dxy75w1gjr/7wDIDUW5u6XAOx05TfegYj/2d897a74d0a850b475988e8ec5cb0602/1920-Budget-v2-2.jpg)

Many people are spending their time indoors these days. With all the extra time inside the house, it’s easy to go a little nuts shopping online. Make sure, though, that you’re still sticking to your budget and not overspending. This is easy to do with our __[spending overview feature](https://monese.com/eu/blog/2019/04/simple-spending-overview)__ and __budgeting tools__. Create monthly or weekly budgets for yourself and gain insight and a clear breakdown of your spending, so you know where your money is going.

### And finally...
Other enhancements this month include 89 bug fixes and improvements - here are some of them:

- Our Monese Hub got a makeover, so it’s easier to discover and explore our best partner offers. 
- If you live in the Czech Republic, Croatia or Slovakia you can now add your Monese cards to [Google Pay](https://monese.com/blog/2019/09/google-pay-europe). 
- We’ve also made improvements to our [Frequently Asked Questions](https://support.monese.com/hc/en-gb) section, so it’s easier to find what you’re looking for. 

We’re always looking to upgrade our product and service for you. That’s why we want to hear your feedback and ideas. Feel free to get in touch on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or via email at [community@monese.com](mailto:community@monese.com) to share your thoughts. 

[Sign up now](https://monese.com/download-now)

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Blog post > Your March monthly update

Your March monthly update

Nothing’s stopping us from bringing you the best features to keep your money moving

It may have been a slightly shorter month (despite it being a leap year), but that hasn’t slowed things down around here. We’ve been up to some really exciting stuff, so read on to check out everything that’s new with our app! 

<div data-comp="signup"></div>

### RON accounts are here
![RON account](//images.ctfassets.net/96dxy75w1gjr/2ky7w2JPPn4Hh0JelhwF7L/5ef021a34755e1a7ac0854c235032c0f/RON-Hero-EN.png)

This month we launched [RON accounts](https://monese.com/blog/2020/02/ron-accounts "Say hello to RON accounts")! They come fully localised with Romanian account numbers (IBANs) and contactless debit cards. All you need is a Romanian-issued ID, and you can open your RON account in a matter of minutes, right from your app. 

With your new RON account, you’ll be able to shop, spend and save like a local using the country’s currency, the Romanian leu. You’ll also be able to send and receive money locally plus send instant and free transfers to friends and family with Monese accounts, no matter what currency it’s in! 

### Tips for collecting Avios
![Avios Smart Tip transaction feed](//images.ctfassets.net/96dxy75w1gjr/4FLL9WnidriUfty05A2ieZ/ba69da522889b98a2afcf4d99d519af8/Avios_FebRoundup.jpg)

You’ll start seeing Avios Smart Tips in your transaction feed. When you spend in pounds at certain stores, we’ll show you how to collect Avios when you shop with them in the future.

### In case you missed it...
We’ve been adding a lot of new features over the past months, so we thought we’d remind you about some of the highlights!

![Direct-Debits-1](//images.ctfassets.net/96dxy75w1gjr/2URpeNZbcNITGEMGoGWdit/3b4356e806f2fd2bfedeeafe832d4407/Direct-Debits-1.jpg)

If you have one of our new European account numbers (IBANs), you can now set up __SEPA direct debits__ on your Monese EUR account! This means you can conveniently manage your payments and bills straight from your Monese app. Direct debits allow you to set up payments automatically, so you save both time and effort. Direct debits give permission to authorised service providers to automatically collect money from your account. Unlike recurring payments, they can vary in frequency and amount.

![Virtual-Card-Hero](//images.ctfassets.net/96dxy75w1gjr/d6tKaw8qAnivKPDanTIos/6422f3451e94b6f6d0ee3ea3a413be2a/Virtual-Card-Hero.png)

Need to start spending right away? Try our __virtual cards__! You can now create yours instantly, across any currency account, once you’ve verified your address. You’ll be able to use it right away for shopping online, or add it to Apple Pay or Google Pay to pay with your phone wherever contactless is accepted.

### And finally...
We squashed 70+ bugs this month, so you can have a smoother experience. Other improvements include:

- opening your app in Privacy Mode with just a long press on the home screen icon
- creating a virtual card for your RON account and adding it to Apple Pay
- showing your average yearly balance if you live in Italy
- easily activating your new Monese card using just the last four digits

We’d love to hear your thoughts on these, plus any suggestions you may have for any future features. Reach out to us on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") with your ideas or drop us a line at [community@monese.com](mailto:community@monese.com "Email us").

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Blog post > Your February monthly update

Your February monthly update

Check out all the cool new features we’ve added to your app this month 

Anyone can open a Monese account in a matter of minutes, and use it to spend like a local all over Europe - from today, this includes Romania!

If you've got a Romania-issued ID, you can now open a new RON currency account, with a fully local Romanian account number (IBAN) and a RON debit card!

### Why create a RON account?
![RON-Visual-1-EN](//images.ctfassets.net/96dxy75w1gjr/1tAa9KDUtdtbR2vBcaWwcO/fa4a29ddbe5b41105e274640b31aafdd/RON-Visual-1-EN.png)

### Spend like a local
Monese accounts in GBP and EUR have already been available for some time - but if you live in Romania, even though the allowances are generous, you may not be comfortable with effectively exchanging currency on each transaction. With your new RON account, you’ll be able to shop, spend and save like a true local, using the country’s currency, the Romanian Leu.

### Send and receive money locally
Speaking of local, you’ll now be able to make free local transfers to other banks in the country and even easily receive your salary into your account! Or if you need to make regular transfers to pay your bills, you can set up recurring payments in RON.

## Instant and free transfers between Monese accounts
[Send, receive and request payments](https://monese.com/blog/2019/03/request-payments) easily and instantly from your family and friends who also have a Monese account - it’s absolutely free! So if you live in Bucharest and you need to send some cash to a friend in London, a payment from your Monese RON account to their Monese GBP account will be instant and fee-free.

## A contactless debit card in the local currency
When you open your Monese RON account, you’ll be able to order one of our beautifully designed Monese cards, depending on the [plan](https://monese.com/pricing-ro) you choose. Our cards are prepaid debit Mastercards, which you can use to spend or withdraw money anywhere in the world. Here are some cool things you can do:

- Make safe online transactions when shopping online.
- Lock and unlock your card straight from the app &mdash; so if you ever lose your card, you can rest assured your money will stay safe.
- Make contactless payments.
- Set up your Monese card with [Apple Pay](https://monese.com/eu/blog/2019/06/monese-apple-pay-more-countries) for a more secure, private and simple way to pay.

### How to open your RON account
![RO-Teaser-EN](//images.ctfassets.net/96dxy75w1gjr/mvrz8OJCfuPWiso3AdclT/93b602bb58e8c0cba37d4c5f9abac19f/RO-Teaser-EN.gif)

If you’re already on board with us, then adding a RON account is easy and takes just a couple of taps:

- On the home screen, tap the ‘Account’ button (on the top left-hand side).
- Then tap ‘Add account’.
- Select RON, follow the instructions, and you’ll have it in no-time.

Keep in mind that right now, RON accounts are available to anyone who has a Romanian ID document. They’re part of the latest app version, so you'll need to update your Monese app to see them.

If you want to read more about RON accounts, feel free to explore our [Help Centre](https://support.monese.com/hc/en-gb). Or if you have any questions, our Romanian-speaking [Customer Support team](https://monese.com/contact) is here to help.

If you’re not using Monese yet, you can get started by downloading the app now:

<div data-comp="signup"></div>

We’re really excited to see how you’ll be using your new RON account. We’d love to hear your thoughts on how it’s working for you and what other features you’d like to see in the future. If anything comes to mind, reach out to us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or drop us an email at [community@monese.com](mailto:community@monese.com).

RON-Hero-EN 50390c38ed0094a386d62c09f1033516

Blog post > Say hello to RON accounts

Say hello to RON accounts

Introducing our new RON accounts — fully localised, with Romanian account numbers and cards

For many of us, time slows down this month, making January seem like the longest month of the year. But January is also a month with a lot of potential. It’s a period to reflect, reorganise and plan for a fresh start. Taking on this mindset, we’ve been working on releasing entirely new features over the past month, plus polishing existing ones to help you kick off 2020 in high spirits.

Here’s a summary of all the things we’ve released this January...

### Better pots
![Saving-Improved-Pots-2](//images.ctfassets.net/96dxy75w1gjr/1CSaqJMSADu9bHMUl5XsqR/8ae5f5ce6f1d6c837583b3caa2986c4a/Saving-Improved-Pots-2.png)

This month we’ve added some useful features to [Monese pots](https://monese.com/eu/blog/2020/01/better-pots), that will make putting aside money even easier. To help you reach all your different savings goals even faster, you can now create up to 10 different pots for each of your currency accounts and create a specific goal for each pot. You’ll also be able to set up automatic weekly or monthly transfers from your account directly into your pot. If you need a little help setting aside money, our new round-up feature is here to help! Each time you pay with your Monese card, we’ll round up the value of the purchase to the nearest whole amount and automatically transfer the spare change to a designated pot. 

### Tailored home insurance with Luko
![Luko-Blog-Post](//images.ctfassets.net/96dxy75w1gjr/7iSUelep8SuJCEFFP4F47M/41d7a02d68c9c0379faf3447cd83ddbb/Luko-Blog-Post.png)

If you live in France, you can now benefit from Luko, which offers simple, transparent and tailored online home insurance. With Luko, you can sign up and get insurance coverage in two minutes, get paid for a claim in two hours and have damages repaired in just two days! Monese Premium customers can benefit from two months of free home insurance, while our Classic and Simple customers get one month. You can sign up via the Monese Hub on the app, and you'll be redirected to the Luko website to complete your subscription.

### Speed up your commute across London’s TfL network 
![Apple-TFL-Blog-Post-copy](//images.ctfassets.net/96dxy75w1gjr/6qMPnxxXhdtd5LwuWw0upO/24b304878b493d24e377fea2643d9480/Apple-TFL-Blog-Post-copy.jpg)

With [Apple Pay](https://monese.com/eu/blog/2019/06/monese-apple-pay-more-countries) on your phone, you can now speed up your commute on London Underground trains and buses: no need to open an app, wake your device or use Face ID or Touch ID. Simply hold your iPhone or Apple Watch over the yellow card readers on [TfL](https://tfl.gov.uk/) and go! Express Mode for Apple Pay is available for personal GBP and EUR Monese cards and works across all TfL services, including the Underground, buses and trams. Learn how to enable Express Mode on your iPhone or Apple Watch [here](https://monese.com/eu/blog/2020/01/express-mode-apple-pay).

<div data-comp="signup"></div>

### And finally...
We've squashed 75 bugs along with other fixes and improvements this month. You can now:

- easily add your card to Google Pay right from your Monese Android app
- add your virtual cards to Google Pay
- create a virtual card as soon as you've verified your address
- navigate through your contacts more easily whenever you need to send or request money
- get tips on the best ways to collect Avios when you shop.

Remember: we’re always looking for ways to improve your experience. So we’d love to hear your thoughts on how the Monese app is working for you and what extra features you’d like to see in 2020.

If anything springs to mind, you can always reach out to us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/Monese) or by email at  [community@monese.com](mailto:community@monese.com). 

Stay tuned for next month’s feature update!

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Blog post > Your January monthly update

Your January monthly update

Your convenient guide to the latest features and services we’ve launched this month

With Apple Pay on your phone, mobile payments are secure, quick and easy - and now paying for your journeys has gotten even faster and more convenient! 
Speed up your commute on London Underground trains and buses with Express Mode for Apple Pay. Simply hold your iPhone or Apple Watch over the yellow card readers on [TfL](https://tfl.gov.uk/) and go! No need to open an app, wake your device or use Face ID or Touch ID.

The new feature is available for personal GBP and EUR Monese cards and works across all TfL services, including the Underground, buses and trams. 

<div data-comp="signup"></div>

### How to set up Express Mode
To use Express Mode, first add your Monese card to your Apple Wallet. To set up Apple Pay, simply open the Monese app and navigate to the ‘Card’ screen. Here you’ll be able to tap the ‘Add to Apple Wallet’ button, follow the on-screen instructions &mdash; and you’re done! Open your Apple Wallet and you’ll see your Monese card there, ready for use. You can also set up your card straight from the Apple Wallet app by tapping the ‘+’ icon and following the instructions.

Once you’ve set up Apple Pay, you’re ready to enable Express Mode. Follow these simple steps:

__Step 1__: On iPhone or Apple Watch, open your ‘Settings’.

__Step 2__: Tap ‘Wallet & Apple Pay’ and select ‘Express Travel Card’.

__Step 3__: Choose your Monese card and confirm it with Touch ID, Face ID or your passcode.

### Make safe and fast payments
Using Apple Pay is simple and works with the devices you use every day. You can use it on iPhone (SE or higher), Apple Watch, iPad and Mac to make fast and convenient purchases in stores, apps and online. You can find a list of compatible Apple Pay devices [here](https://support.apple.com/en-gb/HT208531). 

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

If you live in one of the [31 countries](https://monese.com/eu/blog/2019/06/monese-apple-pay-more-countries) where Monese cards can be added to Apple Pay, you’ll be able to use it wherever you see the Apple Pay logo or the contactless symbol.

Let us know how you like this new feature. Reach out to us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or email us at  [community@monese.com](mailto:community@monese.com).

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Blog post > Pay even faster on Transport for London with Express Mode for Apple Pay

Pay even faster on Transport for London with Express Mode for Apple Pay

With just your iPhone or Apple Watch, speed up your entry across London’s TfL network

A few months ago, we launched [pots](https://monese.com/blog/2019/06/saving-money-monese-pots) to make putting money aside easier. Whether you’re saving for a new gadget, your dream holiday or a gift for that special someone in your life, you can easily transfer money to your pot to ensure you’re saving and aren’t spending until you’re ready to. We know how much you’re enjoying this feature, so we wanted to take it one step further&hellip; or rather, a few steps. Read on to find out how we’ve made pots better.

### Create multiple pots
![Saving-Improved-Pots-2](//images.ctfassets.net/96dxy75w1gjr/1CSaqJMSADu9bHMUl5XsqR/8ae5f5ce6f1d6c837583b3caa2986c4a/Saving-Improved-Pots-2.png)

We understand you might be saving for several things at the same time. You could be saving for something as large as a holiday in Ibiza this summer, and something as small as that new coffee machine you’ve been eyeing for the past few months. To help you reach all your different savings goals at once and even faster, you can now create up to 10 different pots for each of your currency accounts. That means if you hold a GBP account, EUR account and a business account, it’s a total of 30 different pots and 30 times your savings! 

You can name and create a specific goal for each of your pots to ensure you’re putting away the right amount of money towards each of your objectives. Whenever you put money in your pot, the app will automatically calculate and show you what you’ve saved so far. This should give you better insight into your savings, helping you stay on top of them and motivating you to gather the rest of it quickly. 

### Set up a recurring payment to your pot
![Recurring-3](//images.ctfassets.net/96dxy75w1gjr/35NiQZppeV7GdT9KB3iJDJ/e8b24e46484a52ec8249afcc70b5d365/Recurring-3.png)

Ever forgotten to send money to your pot or worse &mdash; spent it before you had the chance to store it away? Don’t feel bad. It happens to the best of us. That’s why we’ve now come up with a recurring payments option, which will automatically move money from your account into your pot. Knowing when to expect a set amount of money to be withdrawn from your account and moved into your pot should also make budgeting much more manageable. Your recurring payments can be set to a particular day per month or even week. You’ll never forget to save again! 

### Round up your card transactions
![Saving-Improved-Round-Up-4](//images.ctfassets.net/96dxy75w1gjr/35XZF8WPYBMf2mXFueQ1zn/562f63c78191cc845648b4e17ef93813/Saving-Improved-Round-Up-4.jpg)

If you’re finding it difficult to set aside a specific amount of money but would like to start saving, you can try our new round-up feature. Every time you pay with your Monese card, we’ll round up the value to the nearest whole amount and automatically transfer the spare change to a designated pot. You can even choose to multiply the spare change amount by up to 10, so you store more away! 

### Save with interest

It’s sweet when you have money set aside so that you have it when you need it. What’s even sweeter is earning interest on that money! That’s why we’ve partnered with Raisin to let you choose from more than 500 savings products so you can save with interest earned! Open the Monese app, head to ‘Savings’ and then tap on ‘Savings with interest’. For now, this handy feature is available on personal accounts for customers based in the UK, Germany, Austria, France, the Netherlands and Spain, but it will be coming to other countries soon. Stay tuned!

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We'd love to hear what you think about our pots and what you would like us to introduce next! Feel free to leave us a message on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at  [community@monese.com](mailto:community@monese.com).

Hero

Blog post > Pots have gotten even better

Pots have gotten even better 

We’ve enhanced our Monese pots, adding some cool and useful features that will make saving money even easier

Pots have gotten even better

Can you believe it’s the end of 2019 already? While for many December is a month for relaxing and taking a much-needed break, at Monese, we haven’t wound down just yet! Our teams have been hard at work, preparing the coolest new features to help you manage your money more easily.

### Spend and save together with joint accounts
![Joint-accounts](//images.ctfassets.net/96dxy75w1gjr/3l9mhT8vAwuoPm94XEdWnO/b795b78b1f07ca2522a77ad5eddeba4a/Joint-Accounts-5555.jpg)

This month we introduced [joint accounts](https://monese.com/eu/blog/2019/12/launching-joint-accounts) to help you better manage any money you share with a partner, housemate or anyone else in your life. This is perfect for friends or couples who share expenses or are saving for something special together. With a joint account, you and a friend can set up monthly budgets, spending notifications &mdash; even direct debits! You’ll also share the same balance and allowances, which include:

- up to €/£ 200 per month in free global ATM withdrawals
- up to €/£ 2,000 per month in foreign currency card spending
- free and instant transfers to other Monese account

Joint accounts are available to customers in the UK and the European Economic Area except for France but will be coming here very soon.

### Make your virtual card

![1920-Montly-round-up-Dec-3](//images.ctfassets.net/96dxy75w1gjr/20s7wufSuBxnJpPzPGc2mB/2062c6ddd34b5d43ebddcfc0969d5257/1920-Montly-round-up-Dec-3.png)

For a new simple and secure way to pay right from your phone, we’ve launched [virtual cards](https://monese.com/eu/blog/2019/12/create-virtual-card) this December for all of Europe! A virtual card adds an extra level of security and protection when shopping online as your virtual card number will be different than the one on your physical debit card. With your virtual card, you can:

- make payments and shop online
- shop in-store via Apple Pay or Google Pay
- receive instant notifications when you make a transaction 
- easily lock and unlock the virtual card at any time straight from the app

### Hide your balance in privacy mode

![1920-Montly-round-up-Dec-4](//images.ctfassets.net/96dxy75w1gjr/7uLND7wCETg7bkmQo3AGrK/937f2ec6f71e13228459367ba059d592/1920-Montly-round-up-Dec-4.jpg)

If you’re out in public and need to check your Monese app, you can now do so safely with the new Privacy Mode. With this handy feature enabled, you’ll be able to open the app and shake your phone to hide your balance and other transaction amounts. You can also open the app directly in Privacy Mode to be extra vigilant.

### Find Monese friends near you

![1920-Montly-round-up-Dec-2](//images.ctfassets.net/96dxy75w1gjr/1Yo0PAIgPwkyKzI5HOyKq6/ab907ce5386f376465496f8c1912de1f/1920-Montly-round-up-Dec-2.jpg)

Need to send, request or receive money from a friend? Now you can do so even faster! With the option to find friends nearby, you can easily locate other Monese users around you who are discoverable via Bluetooth. Once found, tap on your friend and either send or request your money. No need to enter any extra details &mdash; much more convenient!

### And finally...

We've also made more than 81 other bug fixes and improvements, including a patch for those of you who send money to Poland in PLN. Other tweaks and enhancements include: 

- a better view of what you're rounding up to your [Pots](https://monese.com/eu/blog/2019/06/saving-money-monese-pots)
- grouping your contacts to manage payees more easily
- adding your Monese cards to [Google Pay](https://monese.com/eu/blog/2019/09/google-pay-europe) straight from the Android app
- sending money to Canada in Canadian Dollars (CAD)
- making it easier to find retailers where you can collect [Avios points](https://monese.com/blog/2019/02/introducing-avios)

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That’s all for December!

We’d love to hear your thoughts on these refinements plus any suggestions you may have for future features you’d like to see in the new year! Reach out to us on [Facebook](https://www.facebook.com/MyMonese/), [Instagram](https://www.instagram.com/monese/), [Twitter](https://twitter.com/monese) with your ideas or drop us a line at [community@monese.com](mailto:community@monese.com).

We’ll be back with another update in 2020!

Your-December-monthly-update

Blog post > Your December monthly update

Your December monthly update 

Here’s a look at all the latest features we’ve been rolling out this month

Your December monthly update

We’re happy to announce that you can now create a virtual card for your Monese account! With just a few taps on your phone, you’ll be able to set up and start using your Monese virtual card right away for a simple and safe payment process directly from your mobile.

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## What’s a virtual card?  
Virtual cards are another tool to make managing your money safer and easier. Just like a regular card, a virtual card has a unique 16-digit number (different from your physical debit card). A virtual card has almost the same functionalities a real card would. You can:

- use it to make payments online
- shop in-store via Apple Pay or Google Pay 
- get instant notifications when you make a transaction 
- easily lock and unlock it at any time straight from the app

## Why use a virtual card?
![Add virtual card to Google Pay](//images.ctfassets.net/96dxy75w1gjr/1MKIcC0YXQNiYpYb7zwBmG/2c72d4901eb5a9bfdee6e30fee5032ee/Virtual-card-set-up2.png)

A virtual card provides a fantastic alternative for a simple, safer, and faster transaction online. Because your virtual card number is different than the one on your physical card, it offers an extra layer of security when shopping on the web. You can lock it immediately after each use to prevent any further transactions and unlock it again whenever you need it next. Having access to your card details in full right on your phone also means you can check out online at any time without having to go and grab your wallet.

Additionally, you can link your virtual card to Apple Pay and Google Pay – this means you can also use your virtual card wherever contactless payments are accepted. Virtual cards can also be linked instantly to your [PayPal](https://monese.com/blog/2019/07/monese-with-paypal "Monese with the power of Paypal") account. 

## How to set up a virtual card
![Virtual card set up](//images.ctfassets.net/96dxy75w1gjr/1C8GBsIoShDJs7XyblvUvX/20df27e244a1e34f751525028499b326/Virtual-Card-Set-Up1.png)

Setting up your virtual card is simple and free. You can do it in just a couple of steps, directly on the Monese app:

__Step 1:__ Open your Monese app and head to the ‘Card’ tab where you should see your Monese debit card. 

__Step 2:__ Swipe left to the ‘virtual card’ option to create your card. 

It’s that easy! Once your virtual card is set up, you will also be able to quickly add it to Apple Pay or Google Pay.

Every Monese customer can set up one virtual card per currency account. You don't even need to have a physical card to get going - you can set up your virtual card as soon as you sign up to Monese and start spending with it straight away!

We’re constantly working to bring you more tools and features to help you manage your money more simply. Make sure you have the latest version of the Monese app installed for access to our newest releases and updates. 

If you have any ideas or suggestions to improve our app, we’d love to hear them. Let us know via [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com "Email us")!

Virtual-Card-Hero 50390c38ed0094a386d62c09f1033516

Blog post > Create a virtual card

Create a virtual card

Introducing another easy and secure way to pay — all from your phone! 

Meil on hea meel tutvustada Monese'i ühist kontot klientidele kogu Ühendkuningriigis ja Euroopa Majanduspiirkonnas (ühine konto pole praegu Monese'i Prantsusmaa klientidele saadaval, kuid see tuleb üsna pea). Kui teil on koos kulutamiseks või säästmiseks vaja kontot jagada, oleme teinud sõprade, paaride, korterikaaslaste ja teiste partnerite jaoks ühise konto avamise võimalikult lihtsaks ning saate jagada arveid ja muid ühiseid kulusid.

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### See käib nii
![JA visual-1](//images.ctfassets.net/96dxy75w1gjr/6T63ySwqblNArnDNYin6tB/70ec80e9c78b02121db8b0b060e2b246/JA_visual-1.jpg)  

Monese'i ühise konto abil on jagatud kulutuste tegemine palju lihtsam. Täiustatud funktsioonide abil (nt jagatud kulutuste teavitused ja tehinguvoog) saate koos sõbra, partneri, vanema või kaaslasega hoida oma kulud kontrolli all ja määrata kuueelarved, et saavutada koos säästmise eesmärgid. 

Ühise konto kasutajatel on sama kontonumber, seega saavad nad lasta oma palga otse kontole maksta, määrata otsekorraldusi ja hallata koos muid makseid ja arveid. Ühisel kontol on ka sama kontojääk ja limiidid, sealhulgas: 

- kuni 200 €/£ kuus tasuta väljamakseid pangaautomaadist
- kuni 2000 €/£ kuus makseid välisvaluuta kaardiga
- tasuta ja välkkiired ülekanded teistele Monese'i kontodele

Monese'i ühine konto on mõeldud paaridele, seega saab selle avada ainult kahe Monese'i kliendi vahel.

### Kuidas ühist kontot avada
![JA visual-2](//images.ctfassets.net/96dxy75w1gjr/1xZwJvjfpxITWug2CkS42H/0da3278da30b02eb86faf32cd0cdd5b6/JA_visual-2.jpg)

Ühise konto avamine on kiire ja lihtne. Hea uudis on see, et alustamiseks ei pea te olema samas kohas. Siiski peab mõlemal inimesel olema oma isiklik Monese'i konto. 

Kui sa oled Monese'i klient ja soovid avada ühise konto mõne teise Monese'i kliendiga, saad lihtsalt saata talle kutse ühise konto avamiseks. Kui isik, kellega soovid ühist kontot avada, pole veel meiega, saad teda hõlpsalt Monese'iga liituma kutsuda. Kui tal on konto tehtud, saad talle saata kutse sinuga ühise konto avamiseks.

Saate avada ühise konto kolme kiire ja lihtsa sammuga. 

__1. samm:__ ava Monese'i konto ja lisa uus ühine konto, puudutades avakuva vasakus ülanurgas nuppu Konto (vali Lisa konto). 

__2. samm:__ vali soovitud valuuta (iga Monese'i klient saab avada ühe ühise konto valuuta kohta). 

__3. samm:__ vali sõber või kutsu uus inimene, kellega soovid ühise konto avada. 

Ongi kõik! 

Kui oled sõbrale kutse saatnud, saab ta sinu taotluse kohta teavituse. Konto avamiseks peavad nad sellega nõustuma, andes teile mõlemale juurdepääsu jagatud kontole ja kõigile selle funktsioonidele. 

### Üks konto—kaks Monese'i kaarti
![JA visual-3](//images.ctfassets.net/96dxy75w1gjr/26p5RNjy8QYwlVFCgwIwzt/bb27e09bb3de7fc4fd371f595380ddcf/JA_visual-3.jpg)

Kui olete oma telefonis Monese'i ühise konto edukalt avanud, saate mõlemad endale särava roosakuldse Mastercard viipekaardi, millega saate ostelda, maksta ja mida saate eraldi kasutada. Ärge unustage kaarti siduda Apple Pay või Google Payga, et muuta oma tehingud telefoni abil nutikaks ja turvaliseks. 

Ühise konto avamine on täiesti tasuta. Praegu maksad ainult kaardi kohaletoimetamise eest, mis on 4,95 €/£ – limiidid on samad, mis Starteri paketis (lisateavet hindade kohta leiad [siit](https://monese.com/pricing)). Pea meeles, et need limiidid kehtivad *ühise konto*, mitte inimese või kaardi kohta. 

### Kutsu sõpru ja teeni raha 
Jaga uudist Monese'i ühise konto kohta kindlasti ka sõpradele ja perele. Saad teenida kuni 20 £, kui keegi sinu kutsututest liitub ja hakkab Monese'i kontot kasutama.

Lisame lähikuudel ühisele kontole veel funktsioone, nii et püsi lainel! Seni soovime teada, mida sa sellest arvad ja mida tahaksid järgmisena näha. Võta meiega ühendust [Facebookis](https://www.facebook.com/MyMonese/), [Twitteris](https://twitter.com/monese), [Instagramis](https://www.instagram.com/monese/) või kirjuta meile aadressil [community@monese.com](mailto:community@monese.com). 

JA header-visual-1

Blog > Spend and save together with the new Monese Joint Account

Monese'i uus ühine konto võimaldab koos maksta ja raha koguda.

See on parim viist hallata raha, mida jagad oma elukaaslase, kodukaaslase või kellegi teisega oma elus


Another month has gone by and it’s been packed with exciting feature releases. So without further ado, here’s what’s new with your Monese app this November...

### Add a virtual card to your GBP account
![1920-Montly-round-up-Nov-1](//images.ctfassets.net/96dxy75w1gjr/68ueGzcpdOj04shfF8QImO/d78194c49ba20127ae7a3a164b66278d/1920-Montly-round-up-Nov-1.jpg)

You can now create a virtual card for your GBP account! Use it when you’re shopping online for that perfect deal, or when making contactless payments with your phone using Apple Pay or Google Pay. You can easily lock it when you’re not using it, which should give you an extra layer of security for your spending. There are more exciting updates coming soon on this front!

### A new and improved referral program
![Picture-1](//images.ctfassets.net/96dxy75w1gjr/5O0NZE5x2mqBbUU5D7GQYM/1ac4df781112fb831e4ae48bf1ae8e5d/Picture-1.png)

We’ve launched a new and improved version of our referral program! You’ll continue to be rewarded for bringing in friends who join and start using Monese, once they’ve made the first transaction with their new Monese card – and they’ll continue to get a welcome bonus as well. However, you’ll both be able to get *more* rewards when those you invite continue to spend with Monese! You can find all the details [here](https://monese.com/blog/2019/11/referral-program-update), and in the ‘Earn’ section of your Monese app.

### Business credit with iwoca
![Picture-2](//images.ctfassets.net/96dxy75w1gjr/1clOoe98miyQSssvqJ2E89/9b093c92627bcc28d4e902200897f7c3/Picture-2.png)

If you’re a Monese Business customer in the UK, you can now apply for business credit with our partner [iwoca](https://monese.com/blog/2019/11/business-loans-credit-iwoca) – to get access to the cash needed to grow your business even more. Applying is easy and you can do it straight from your Monese app!

### Send money to Hong Kong
![1920-Montly-round-up-Nov-2](//images.ctfassets.net/96dxy75w1gjr/2NuwUNQ8twoXjyYVMK4osy/1e82bc5537930fa839dc008280d33532/1920-Montly-round-up-Nov-2.jpg)

You can now use your Monese app send money to Hong Kong, at great rates, in Hong Kong dollars (HK$)! You can do this straight from your Monese app, alongside 17 other international currencies. Just head to the ‘Pay’ tab in the app to start.

And finally, we’ve also made 99 other improvements and bug fixes this month, to make your app run more smoothly than ever.

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We’re always looking to improve your experience in every way we can – so we’d love to hear what else you’d like to see in the future. Just come and say hello on our [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese) or [Instagram](https://www.instagram.com/monese/) (or drop us an email at [community@monese.com](mailto:community@monese.com)).

1920-Montly-round-up-Nov-Hero 50390c38ed0094a386d62c09f1033516

Blog post > Your November monthly update

Your November monthly update

Here’s every new feature that’s landed in your Monese app over the past month

Our *Invite & Earn* referral program is a great way to share Monese with your friends and family – not only does it help you to spread the word about how you can manage your money better, but also it rewards both you and everyone you invite.

Monese always works better with friends, so this feature has naturally been extremely popular with our customers ever since we launched it – and today we’re excited to announce the new and improved version of *Invite & Earn*.

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## What’s new
Just as before, you’ll be rewarded for bringing in friends who join and start using Monese, once they’ve made the first transaction with their new Monese card – and they’ll continue to get a welcome bonus as well.

However, you’ll be able to get *more* rewards when those you invite continue to spend with Monese!

Here’s how it works:

__Step 1:__ Once the friend you invite has used their new card for the first time, you’ll both get a bonus once the transaction has settled (this usually takes up to 48 hours).

__Step 2:__ Once the friend you invite has spent a set amount, you’ll both get a *second* bonus. This will need to be spent in one of the following ways:

- Spending anywhere with their Monese card 
- Sending international transfers with Monese to any currency other than GBP or EUR

You can always find the latest amounts in your Monese app, under the ‘Earn’ section – remember, the rewards can be different from country to country, and they can change regularly.

### It’s easier to keep track

We’ve also made it easier to keep an eye on your invites!

Now, when you head over to the ‘Earn’ section of the app, you’ll be able to see a list of those you’ve invited but haven’t completed the steps to earn your reward. Then you can send them a nudge, to remind them to get things going.

## What if I’ve already invited someone?
These new rules apply from today to anyone who signs up to Monese with an invite code.

If you invited somebody to join Monese and they started the sign-up process (using your invite code) before today (18 November 2019), the old rules – and rewards – will apply.

## Where can I find the rules?

You can find all the Terms right [here](https://monese.com/monese-refer-a-friend-program-terms-and-conditions "Refer a friend terms and conditions") – and you can always find the latest details in the Monese app (under the ‘Earn’ section).

We’re really excited to see how you get along with the new *Invite & Earn* program – if you have any thoughts or ideas, feel free to drop us an email at [community@monese.com](mailto:community@monese.com "Email us").

Picture-1

Blog post > Our Invite & Earn program is changing

Our Invite & Earn program is changing

We’re launching a new and improved version of our referral program – here’s everything you need to know

Country Tag > United Kingdom

It’s said that autumn is the season to find contentment at home by paying attention to what we already have. Nevertheless, between hot chocolate mornings and toasty marshmallow evenings, we’ve been busy adding even more features and services to the Monese app.

Here’s a summary of all the things we’ve been releasing this October...

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### New EUR account numbers & Direct Debits
We’ve introduced a better, more localised service across Europe – starting with the [rollout of European account numbers](https://monese.com/blog/2019/10/new-eu-iban-account-number) for those of you based outside the UK and France using Monese EUR accounts. These account details can be found in-app under ‘Account details’. The new account numbers (IBANs) begin with the letters ‘BE’. 

This won’t affect how your account works – everything’s been designed so that cards and accounts function as normal.

It also means that you’ll now be able to set up Direct Debits from your personal EUR account by tapping ‘More’ from the app home screen. There you’ll find an option to create new Direct Debits – as well as manage existing ones – helping make regular bills and subscriptions one less thing to worry about.

### Link your French PayPal account

As part of our ongoing [partnership with PayPal](https://monese.com/blog/2019/07/monese-with-paypal), those of you living in France can now link your PayPal account to Monese. This means PayPal balances and transactions can be easily viewed right next to your other accounts, with the added bonus of being able to link your Monese cards to your PayPal wallet instantly, straight from the app.

### Send money to India

You can now send money to India, at great rates, in Indian Rupees (INR). This option now appears in your Monese app, along with 16 other international currencies. Just head to the ‘Pay’ tab in the app to start! 

### And finally...

We’ve made over 93 other improvements and bug fixes this month, including:

- A smoother app experience for those of you using iOS 13
- The possibility to set up future payments to your friends and family (this is live on Android, and coming very soon to iOS)

That’s all for this October update!

While we turn our attention to more feature-packed releases in the coming weeks, feel free to reach out and tell us your thoughts on how Monese is working for you. We’d also love to hear what else you’d like to see in the future – come and say hello on our [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese) or [Instagram](https://www.instagram.com/monese/) (or drop us an email at [community@monese.com](mailto:community@monese.com)).

Fresh updates will come at the end of November - stay tuned and we’ll see you soon! 

[Sign up now](https://monese.com/download-now)

1920-Montly-round-up-Oct

Blog post > Your October monthly update

Your October monthly update

Here’s a detailed guide to every new feature we’ve been adding over the past month

Farewell summer, hello autumn! September has meant a return to the old routine for many of us. We’ve been at it as well – albeit in slightly warmer clothing – powering up the Monese app with even more features you’ve been requesting.

Here’s a quick rundown of everything that we’ve released this month, starting with...

### Google Pay available in 12 countries
![Monese card Google Pay](//images.ctfassets.net/96dxy75w1gjr/5p1KO9ie5JOcMVoCdrBnEm/41459a18d27a988949fa450c6ed27ba3/Google-Pay-across-Europe_full-screen.jpg)

[Google Pay](https://monese.com/blog/2019/09/google-pay-europe "Monese Google Pay across Europe") is the fast, simple way to pay in millions of places – on sites, in apps, and in stores. We enabled this last year for UK customers, but you can now add your Monese cards to Google Pay if you live in one of these 12 countries: Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Norway, Poland, Sweden, Spain and the UK.

### Save money with Raisin
![Monese Pots](//images.ctfassets.net/96dxy75w1gjr/1ZE67MQvNki7S01wtfnkJb/3b57579fd7eba3d4c4b3011a4e8fcb6a/Pots_illustration_1920x1080.jpg)

We’ve already made it easy for you to put a little bit of money aside with Monese Pots. Now, having partnered up with savings marketplace provider [Raisin](https://www.raisin.com/ "Raisin homepage"), we’re helping take the hassle out of interest-bearing savings too. Available via the Monese Hub, you can access a great choice of competitive savings products. The feature is available to Monese personal account customers in the UK, Germany, Austria, France, the Netherlands and Spain – and there's more to come!

### Link your German PayPal account
![PayPal balance Monese app](//images.ctfassets.net/96dxy75w1gjr/3PhEQfwZ6cLbcPsWmpgM71/c6f471d608207d2c9dfb94138c83d8bd/PayPal-Press-Release-1.jpg)

You may remember that we [recently partnered with PayPal](https://monese.com/blog/2019/07/monese-with-paypal "Monese with the power of Paypal"), so you can get all the freedom of Monese, with the added scale, speed and security of PayPal. If you live in Germany, you can now easily view your PayPal balance & transactions, as well as add your Monese card to your PayPal wallet instantly. 

### Estonian language support
![Flag-Estosnia](//images.ctfassets.net/96dxy75w1gjr/6ZKJWNEbaQrWISxxU1ZiB1/1dc283b65589ac9b7dcb7ab731baa759/Flag-Estosnia-Header_2x-100.jpg)

Tere! We’re always working toward creating a mobile money app that speaks your language – and now that includes Estonian. You can now use your Monese app – or talk to our support team – in 14 languages. Väga tore!

### And finally...
We’ve released over 90 other improvements and bug fixes this month, including:

- Making it easier to get your salary into your Monese account – just open the app, go to ‘Add money’ and you’ll be able to immediately share your account details with your employer
- Displaying your account settings in a clearer way
- You can now add your Monese cards to Apple Pay if you live in the Netherlands ([or in 30 other countries](https://monese.com/blog/2019/06/monese-apple-pay-more-countries "Apple Pay for more Monese customers"))

And that’s it for our September update.

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In the meantime, we’re always looking to improve your experience in every way we can – so we’d love to hear your thoughts on how Monese is working for you and what other extra features you’d like to see in the future. If anything springs to mind, you can always reach out to us on social media – via our [Facebook](https://www.facebook.com/MyMonese/ "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page") or [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") (or drop up as an email at [community@monese.com](mailto:community@monese.com "Email us")). 

We’ll see you at the end of October for the next one!

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