Alexandra

Kristina

Sophie

Sophie Cairns

Mathilde

Norris

Alex

Mihnea

Karolina

Melissa

Monica

Monica S

Mathilde B

Marina

Marina H

Mulenga

Mulenga Agley

Alex McFarlane

Gabby

Phasellus vestibulum fermentum ligula. Donec a orci a neque efficitur accumsan. Donec malesuada erat semper, tristique est ut, suscipit velit. Donec semper sapien libero. In aliquet, nisl et sodales sollicitudin, tellus arcu laoreet odio, eget ultrices dolor libero eget urna. Fusce consequat dolor neque. Nunc ullamcorper justo id ligula bibendum condimentum. Integer elementum rutrum enim. Pellentesque maximus venenatis felis sit amet efficitur. Aenean eu pulvinar lectus. Fusce venenatis eleifend quam, id suscipit metus ornare id. Nulla lacinia at risus non interdum. Donec lacinia, ante ac lacinia tempor, enim ante bibendum nulla, nec varius elit risus vel turpis.

We're with you on the go (Global)

Loren

We’re very excited to announce the launch of our cloud-based transactional banking platform alongside a strategic partnership with [Investec](https://www.investec.com/en_int/welcome-to-investec.html "Investec Homepage"). 

The pandemic has accelerated digital transformations significantly. Yet many businesses across Europe have been left behind, trying to ‘unlock’ digital financial services. This includes some banks, but also online businesses like marketplaces, and even some fintechs. There is a huge appetite amongst traditional and non-traditional companies to reduce the transformation time from years to months or even weeks. 

With this platform, we believe we can help these businesses take their digital banking offering to a totally new level, get them to market as quickly as possible and get them ahead of consumer demand.

Our new BaaS platform is cloud-based, modular and fully integrated with leading financial services partners. BaaS users will have access to everything they need to deliver services like core money management technology to risk engine or mobile app development. Clients will be able to use the platform to build fully bespoke, end-to-end, online money management services which can be customised from country to country. 

This makes our platform cost-effective and scalable, while also giving financial service providers the ability to offer a modern digital money management experience to consumers fast.

Investec is a distinctive bank offering investment and wealth management services to private, institutional and corporate clients. They’ll be adopting our new BaaS platform to accelerate the development of its transactional banking proposition in collaboration with us at Monese. 

At Monese and Investec, we’re closely aligned and committed to opening up the full extent of digital banking possibilities for consumers, especially in a post-pandemic world. Together, we aim to make sure that banks, fintechs and marketplaces can meet the accelerating post-pandemic demand for modern digital financial services amongst consumers.

__Norris Koppel, Founder and CEO of Monese, said:__ “We’re very excited to launch our BaaS platform and delighted to have such a distinguished partner in Investec, who brings a great deal of experience in delivering exceptional banking services. 

At Monese, we have built a cutting-edge technology platform, one that is tried-and-tested and integrated with some of the best partners in the business. In our experience, core banking providers only cover a small part of the products and services that are required to meet the demands of modern digital banking and so our BaaS offering is completely end-to-end – it’s everything you would need to launch a current account from scratch”. 

__Lyndon Subroyen, Global head of digital and technology at Investec, said:__ “We have a longstanding relationship with Monese, having invested in them through Outward VC fund, and smaller investment vehicles in recent years. This strategic partnership will enable us to leverage their scale, expertise and digital capabilities to deliver Investec’s digital current account offering in the UK. We’re confident that in Monese we’ve found the best partner that will bring enhanced capability for our clients”.

Our partnership with Investec is just one of many we’re proud to have collaborated on in the past year, which has included a European multi-year strategic partnership with Mastercard and we’ve also adopted Though Machine’s cloud narrative core banking platform, Vault.

Our new BaaS platform will complement our mobile money app, which allows customers across Europe to [open an account](https://monese.com/features/account-opening "Opening an account has never been easier") quickly in multiple languages and currencies. If you’re interested in learning more about the platform, email us at [platform@monese.com](mailto:platform@monese.com) with any questions.

Plus announcing new strategic partnership with Investec 

Our Banking-as-a-Service platform is here   

Baas Hero

baas banking as-a-service monese coins cloud-based platform technology

Blog > Banking-as-a-Service

We’re very excited to announce the launch of our cloud-based transactional banking platform alongside a strategic partnership with Investec. 

We’re excited to announce we’ve been chosen as one of the UK’s leading late-stage tech companies and joining the [Future Fifty 9.0 program](https://technation.io/programmes/future-fifty/ "Tech Nation") — Europe’s leading growth program for late-stage tech scaleups. The exclusive network of high-growth is designed to bring together, empower and accelerate the growth of the most successful tech companies in the UK. 

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

Monese is one of 22 new companies to join the program this year, driving the growth of UK tech and economic recovery. Among these new joiners, we’re also one of eight fintechs and insurtechs selected to join. 

![FF9.0 MarketingPackAssets Email Header](//images.ctfassets.net/96dxy75w1gjr/3MJcdNTnQh0GuXi1xpzBuQ/367ac1795c906f8af16ba56d728410e6/FF9.0_MarketingPackAssets_Email_Header.png)

As part of the program, we look forward to peer-to-peer learning and applying these learnings straight away into our work environment. We’ll also be focused on addressing and unlocking answers to some of the different challenges we face as we continue to grow and expand our business. 

We’re proud to be included in this year’s Future Fifty, alongside some of the most prominent tech companies in Europe. It’s a testament to our team’s hard work and drive to help those living in challenging situations to build sustainable financial resilience and provide access to fair and flexible financial services. 

Monese joins the UK’s leading late-stage growth program  

We’ve joined Future Fifty 9.0!

Future Fifty Blog Hero

Monese logo white background green curtains blue screen

Blog post > We’ve joined Future Fifty 9.0!

We’re excited to announce we’ve been chosen as one of the UK’s leading late-stage tech companies and joining the Future Fifty 9.0 program — Europe’s leading growth program for late-stage tech scaleups.

As one of the top 5 most requested finance apps from Huawei device users in the UK, we're excited to announce that Monese is now available for download in [Huawei's AppGallery](https://appgallery.huawei.com/#/app/C103759763 "Monese on AppGallery")! The app comes with the [features](https://monese.com/features "Learn about the features on your Monese money account") you know and love so your financial life is literally within reach and at your fingertips, anytime, anywhere.  

![AppGallery Visual (2)](//images.ctfassets.net/96dxy75w1gjr/5UTg6xuK7oBQQK0Yk3LmJ/294655ee0b6dff71378dbe1220a208e7/AppGallery_Visual__2_.png)

## What are the benefits of downloading Monese? 
Monese makes opening a mobile money account fast and easy, straight from your phone so you can start: 

- sending money abroad with no hidden fees
- [receiving your salary](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account")
- budgeting your monthly or weekly spending
- analysing your day-to-day spending
- making instant and free transfers between Monese accounts, no matter the currency  

And there’s so much more! The Monese app comes jam-packed with useful features to make your everyday money management as simple as ever. 

![Monese App on Huawei screen](//images.ctfassets.net/96dxy75w1gjr/ETga1aXxUcmqMaJZK5NV3/f4ea366c49085ad662bd3796cce3e112/Phone_Visual.png)

## What are the features that come with Monese? 
Download the Monese app today to start making use of your multi-currency account and powerful [tools for better money management](https://monese.com/blog/manage-money "Tools to use to better manage your money"). Your Monese account comes with:  

- [international money transfer service](https://monese.com/money-transfers "International money transfer – send money safely for less") at great rates
- [virtual card](https://monese.com/blog/create-virtual-card "Create a virtual card") for an extra layer of security when shopping in-store or online
- [pots](https://monese.com/products/savings "Grow your savings") to keep your savings separate from daily spending
- [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") so you never miss a bill or payment again 
- [Recurring Payments](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") for regular transfers
- instant notifications whenever there’s activity on your account 
- [budgeting](https://monese.com/features/budgeting "Budgeting made easy") tools and [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") screen 
- state-of-the-art protection and [security](https://monese.com/features/security "Security is at the heart of what we do") 
- contactless Mastercard prepaid [debit card](https://monese.com/features/debit-card "Get a prepaid debit card from Monese") 
- quick ways to [top up your account](https://monese.com/features/add-funds "Adding money easily") instantly, including with cash  

Once you join Monese, you can also open a [joint account](https://monese.com/products/joint-account "Open a Monese joint account online") with a loved one, partner, friend or 
family member. 

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

## Use Monese in your language 
You can download Monese from the AppGallery and change your settings to use it in any one of the 14 languages we support in-app: English, French, German, Brazilian Portuguese, European Portuguese, Bulgarian, Italian, Spanish, Romanian, Polish, Czech, Turkish, Estonian and Lithuanian.

<br/><br/> 

Head to Huawei's AppGallery on your phone and search for the Monese app to get started today. For your security and latest app updates, make sure you’re only downloading the Monese app from official sources, like the AppGallery. Keep in mind that the Google Pay feature isn’t available in the app if installed from Huawei's AppGallery. 

If you love our app, don’t forget to rate us! We love reading your positive feedback. 

[![Huawei badge black](//images.ctfassets.net/96dxy75w1gjr/7whnGL0f7W4lyOv4wTcKM6/83b0fca38b8e8752a4073a7b8b012eea/Badge-Black.png?w=200&fm=webp)](https://appgallery.cloud.huawei.com/ag/n/app/C103759763?channelId=Monese+blog&id=67e6a35e88dc47288ea695bbda9e2aa6&s=DBE4C1F0869EE37FFC73C7A449B026EB52623478C11DBE765902ACFE5DC2FB0D&detailType=0&v=)

Download the app today for the features you know and love  

Monese now available in Huawei's AppGallery

Huawei Blog Hero V2

Blog post > Monese now available in Huawei's AppGallery

Monese is now available for download in the Huawei AppGallery! The app comes with the features you know and love so your financial life is literally within reach and at your fingertips, anytime, anywhere. 

Monese now available in Huawei AppGallery

It’s been a year unlike any other, and not being able to go out to the pub, the shops or the cinema has — along with many other things — had a big impact on where and how our customers spent and saved money. 

To see exactly what effect the Covid-19 pandemic and the local and national lockdowns in the UK have had on our financial habits, we’ve looked back over our pre-pandemic customer transactions from March 2019—February 2020 and compared them with our lockdown spendings of March 2020—February 2021.

![Year in lockdown - 16% more money Monese coins](//images.ctfassets.net/96dxy75w1gjr/2bb9yndE4nMHLYGb2atHAr/ad884f59c499751c4f3f75cf7101bd34/AYIL_Landscape_01_2x.png)

Despite being stuck at home, we discovered that, on average, each person has spent 16% more in the last 12 months than in the previous year, with spending increasing in a few key areas.

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

## Shopping online skyrocketed 
Across the nation, non-essential shops were closed for a large part of the year, meaning that many [high streets were nearly deserted](https://www.manchestereveningnews.co.uk/news/greater-manchester-news/deserted-streets-shops-shutters-down-19574139 "Manchester Evening News") and shopping centres shut their doors too. The effect of this was a massive surge in online shopping, particularly in November and December 2020, with Black Friday and Cyber Monday driving even more people online. Looking at all transactions made by Monese customers over the last 12 months, a staggering 80% more money was spent at online retailers versus the year before.

![A year in lockdown - online shopping laptop ](//images.ctfassets.net/96dxy75w1gjr/7FglRdgTUzkk0M3tkCR6kd/a75bb2755acfbcaf54aea3745d1863d5/AYIL_Landscape_02_2x.png)

This figure includes online grocery shopping, which grew in popularity as many people sought to avoid supermarket trips and long queues. Some supermarkets reported that, particularly at the start of each new lockdown, [their delivery slots had sold out completely](https://www.hertfordshiremercury.co.uk/whats-on/whats-on-news/tesco-asda-sainsburys-iceland-waitrose-4667593 "Herts"), although this pressure eased as lockdowns progressed.

One of the more recent challenges and expenses that has come with online shopping has been the arrival of [EU-UK shopping taxes](https://monese.com/blog/parcel-taxes "Monese blog: your money or your parcel ") after Brexit. Some buyers were caught out by unexpected customs tariffs, handling charges and VAT costs. 

## DIY spending surged
We calculated that on average our customers spent 184% more on DIY tools and products in the last year, showing just how popular painting, decorating and home renovating was. Interestingly, the weeks our customers spent the most on DIY kit and caboodle was 22 November, followed by 16 August — not during the first national lockdown as may have been expected.

![ Year in lockdown - DIY tools and hammer](//images.ctfassets.net/96dxy75w1gjr/71sQs0e4mN07RsnOzg7g5b/6d16a95206e4d9bc7b49ec85a82780ae/AYIL_Landscape_03_2x.png)

In the first national lockdown, hardware stores were forced to close as DIY products were not deemed to be ‘essential items’. When the government allowed these to reopen from 23 April 2020,  business boomed, with [reports of long queues](https://www.itv.com/news/central/2020-04-23/diy-stores-reopen-to-long-queues-during-lockdown "itv: DIY stores reopen to long queues during lockdown") at DIY chains across the nation. 

While buying things for your home can be expensive, [some projects are reported to add value](https://www.homebuilding.co.uk/advice/how-to-add-value-to-your-home "Homebuilding and renovating: How to Add Value to Your Home - 23 Value-Boosting Tips") to your property too, so it’s an investment that can pay off in the long term. Some people also find decorating and DIY relaxing, fulfilling and a welcome distraction from some of the worries of last year.

## Supermarket spending shot up
Another area where our customers spent a lot more money was at the supermarket — perhaps not surprising that while we couldn’t go out for dinner or to the pub, we bought more groceries for meals at home. On average, we estimate that households spent 51% more at the supermarket in the last 12 months.

![Year in lockdown - groceries food](//images.ctfassets.net/96dxy75w1gjr/7hJ1PZt6G2Yl6eHmzNZI6v/2679e9478e471063b1b5098b170dd795/AYIL_Landscape_04_2x.png)

The peak week for supermarket spending in the last 12 months was just before Christmas (20 December) which was also the biggest week in 2019. 

However, the biggest annual increase took place just before the first national lockdown, during the week of 15 March 2020 when 47% more was spent at the supermarket than during the same week in 2019. This date ties in with [reports of stockpiling and panic buying](https://www.thegrocer.co.uk/supermarkets/stockpiling-spend-hit-60m-in-first-week-of-coronavirus-panic/602952.article "The Grocer: Stockpiling spend hit £60m in first week of coronavirus panic"), with many households dashing to supermarkets to buy dried and canned foods, and endless amounts of toilet roll. 

Fortunately, things settled down a bit by the end of March and, while spending was still higher during the remainder of the year, we didn’t see any similar surges as in that first, worrying week in spring.

## Utilities bills went through the roof
With more people working from home than ever before, the nation’s utilities bills also soared. We estimate that the total cost of water, electricity and gas bills grew by 69% in the last 12 months. The cost started to jump up around 26 April — one month after we started working from home — and stayed at this higher level for the rest of the year.

![Year in lockdown - Utility bills paperwork document](//images.ctfassets.net/96dxy75w1gjr/1jfYYTL6JZIyMvyK4xvAwX/89fdeb842a1afb0951c9c7a947a22133/AYIL_Landscape_05_2x.png)

Another potential reason the nation’s electricity bills went through the roof last year could be because Britain went mad for hot tubs. [Many retailers said they’d sold out](https://www.thisismoney.co.uk/money/news/article-8414201/Hot-tub-sales-rise-1-000-Britons-enjoy-hot-weather.html "This is Money: 'We've sold out': Hot tub sales rise by 1,000% and suppliers struggle to keep up with demand as Britons spend more time and money in the garden") by the summer. If you fancy joining in on the trend, it’s worth noting that they come with [a potential annual running cost of £600 per year](https://uk.finance.yahoo.com/news/is-it-normal-for-a-hot-tub-to-cost-600-a-year-to-run--164414689.html "yahoo! finance: Thousands upfront and £600 a year to run - is a hot tub ever worth the money?")!

## Other places we spent more money
A few of the other areas our customers spent more money last year are at: 

- digital games stores (+168%)
- car washes (142%) 
- pet shops (+113%)
- motorcycle dealers (+101%)
- jewellery and watch retailers (+98%)
- musical instrument shops (+71%)
- TV streaming services (+68%)
- craft shops (+46%)
- toy shops (+40%)
- second-hand shops (+40%)
- pharmacies (+31%)

A lot of us got a new pet during the lockdowns, with many explaining that their ‘pandemic puppy’ has helped them get through this challenging time. A year on, some animal shelters are sadly reporting that [they’re getting a lot of pets handed over](https://www.bbc.co.uk/news/world-55719338 "BBC: When your pandemic puppy doesn't work out ") because their owners aren’t able to look after them. 

Getting a pet, particularly a dog, can be very expensive — as much [as £33,000 throughout their lifetime](https://www.theguardian.com/money/2017/jan/20/can-you-afford-dog-33000-pet-insurance-food "The Guardian: Paws for thought … can you really afford to get a dog?") — so it’s really worth thinking about if you can afford that sort of financial commitment before you buy your furry friend. After all, a dog is for life, not just for lockdown.

## Places we spent less money
At the other end of the scale, there were, of course, many areas where our customers spent a lot less money in the last year. Perhaps not surprisingly, customers spent 81% less at cinemas; 66% less at theatres; and 56% less at bars, night clubs and pubs. 

Our customers also spent 26% less at restaurants in the last 12 months. However, the Eat Out to Help Out scheme certainly gave the hospitality sector a boost, and our average restaurant bill (per visit) went from £47.70 to £59.16 in August 2020.

Monese customers also spent a lot less on travel: 49% less on train tickets, 32% less on airline tickets, 27% less on car rental, and 23% less on bus tickets too.

## Savers also squirreled away more money for rainy days
While many people were spending more money during lockdown, we were pleased to see that others have been able to set aside more savings for the future too. It’s great to have a [safety net](https://monese.com/blog/emergency-fund "Monese blog: How to build an emergency fund") if you can.

![Year in lockdown - Vault Monese coins gold](//images.ctfassets.net/96dxy75w1gjr/6mzsks2TE8fHS5jIbe6xXm/8654df7d1d559fbaf813983eb1450ad2/AYIL_Landscape_06_2x.png)

On average, Monese customers that use [our saving pots feature](https://monese.com/features/pots "Monese: Save with Pots") put aside in excess of three times more in the ‘year in lockdown’ versus the previous year. The average Monese saver also doubled the value of their pot! 

We ran a survey earlier in the year to find out what people were saving for and discovered that over a third were setting money aside for a rainy day (37%), one in four were looking to hit a specific savings milestone (26%) and a similar number were putting cash aside for a holiday (25%) in the coming months. 

If you live with a partner, it can be easier to hit a specific savings goal if you’re both invested in doing so. But we know that talking about money with our nearest and dearest can be a challenge, so we wrote up a blog about [how to tackle those tricky conversations about money](https://monese.com/blog/savings-goals-with-partner "Monese blog: Setting savings goals with your partner"), as well as how to set a joint budget and savings goals. A [joint account](https://monese.com/products/joint-account "Open a Monese joint account online") is a great place to start and can be set up in minutes!

## Looking to the year ahead
With the lockdown easing roadmap now revealed, many of us are looking forward to getting back to ‘normal’: visiting loved ones, [organising holidays](https://monese.com/blog/travel-2021 "Monese blog: Top tips for your next travel attempt"), heading out on shopping trips and, of course, getting a round of drinks in for colleagues after a long working week. 
If you’re worried about money and the resumed cost of commuting and socialising, then it’s important to plan ahead as best you can. 

With Monese, [our features](https://monese.com/features "Learn about the features on your Monese money account") make it easier to budget and manage your money. Take a look at [our products](https://monese.com/products "All your Monese accounts in one app") to see all you can do.
<br/><br/>

How did your spending and saving change during the year in lockdown? 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 write to us at [community@monese.com](mailto:community@monese.com).

<br/><br/>
__Methodology__

*We analysed Monese card transaction data comparing consumer spending data for March 2019 to February 2020, with data for March 2020 to February 2021. We compared spending between these two time periods across a number of categories and analysed this on a week-by-week basis. This allowed us to rank consumer spending categories as well as amount spent and rate of consumer spending throughout the past year. Monese has over one million customers in the UK.*

We look at how the spending and savings habits of Monese customers have changed over the last 12 months

A year in lockdown: what we spent and where we spent it

Year in Lockdown - hero image

shopping online laptop tools DIY groceries Monese coins in vault savings utilities bill 

Blog post > A year in lockdown: what we spent and where we spent it

We’ve looked back over our pre-pandemic customer transactions from March 2019—February 2020 and compared them with our lockdown spendings of March 2020—February 2021.

The United Kingdom [left the European Union](https://monese.com/gb/en/blog/brexit-update) at the end of January. Since then there’s been a period of transition, where both sides have been trying to work out their future relationship. This transition period is coming to an end on the 31st of December – but no matter the outcome, we want you to know we’re fully prepared. 

Whatever happens, you’ll still be able to use our smart and connected service to continue to do things like:
- Sending and receiving money, locally and internationally
- Using your card to pay in-store or online, or withdraw from ATMs
- Topping up your account with cash (in any country this is already available in)
- Using your app in any of the 14 languages we support, and chatting to our multilingual support team

### Is this going to affect me?
Last year, we worked with our licensing partner to create a new regulated entity in Belgium. We set this up so that we can provide you with the same level of service after Brexit. Since then, most of our customers from across Europe received new and improved [European account numbers](https://monese.com/gb/en/blog/new-eu-iban-account-number), and those of you who live in Romania are set up with local [Romanian account numbers](https://monese.com/gb/en/blog/ron-accounts). And we’ve started rolling out [French account numbers](https://monese.com/gb/en/blog/french-iban-account-number)!

From next year, many of you won’t see any changes to how your account or card works. But some will see some small changes. For example:

- If you live in the UK and have a RON account, we may have to move it under our EU licensing partner
- If you don’t live in the UK and you have a GBP currency account that you haven’t been using for a while, we’ll ask you if you want to keep using it moving forward 
- If you live in the European Economic Area and your EUR account number starts with GB, we may update your IBAN 

If you’re a Monese customer, we’ll send you any important details via email, and we’ll be in touch with anything else you need to know as this transition period comes to an end.

### What happens next?
We’ll keep updating you regularly on this, but in the meantime, you can find more details in our [terms](https://monese.com/terms), or in our [help centre](https://support.monese.com/hc/en-gb/categories/360000729699-Monese-and-Brexit).

If you have any other questions about Brexit and how it will affect your Monese account, feel free to reach out to our Support team through the app or by emailing us on [support@monese.com](mailto:support@monese.com).

Following Brexit earlier this year, the transition period ends on 31 December. Here’s how we’re prepared.

What does the end of the Brexit transition period mean for me?

Brexit-J2020-1920x1080 50390c38ed0094a386d62c09f1033516

Blog post > What does the end of the Brexit transition period mean for me?

ProxyAddress is a service that gives ‘duplicate’, or proxy, address details to those facing homelessness, so they can access vital services. From today, it’s launching this service with a groundbreaking pilot program in the London borough of Lewisham. We’ve partnered with [ProxyAddress](https://www.proxyaddress.co.uk/ "ProxyAddress") to offer Monese accounts to those who are homeless and without stable address details.

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

## Losing your home means losing your address 
In 21st century Britain, an address is not just a location — it’s a de facto form of ID. Without a fixed address, these already at-risk people are cut off from crucial services such as healthcare, receiving post, applying for jobs, getting benefits and opening a bank account. 

At [Monese](https://monese.com/about "About Monese"), we understand how not having an address, or proof of address, becomes a huge barrier to accessing financial services.  

## How does ProxyAddress work?
<p><iframe width="758" height="426" src="https://www.youtube.com/embed/uW9pxirNpVE?controls=0" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe></p>

To combat this prevailing problem, ProxyAddress uses duplicated address details of existing homes to provide those facing homelessness with a consistent, secure and free address, which they can use to access the support they need. These are addresses donated by individuals or organisations. During the pilot program in Lewisham, people facing homelessness can access the scheme via Lewisham Council. The council's housing department will guide them through a homelessness application, which includes an eligibility check. They’ll then be issued with a ProxyAddress and presented with the option to sign up to Monese and other providers.  

## Homelessness in the UK
Rough sleeping in the UK has risen sharply in the last decade — up 165% since 2010. New research conducted by ProxyAddress shows that more than 1 in 20 people believe they’ll face homelessness within the next six months, and 1 in 5 know at least one person who’s been made homeless in the last three years, rising to 1 in 3 for under-25s. ProxyAddress found that these stark numbers are due to inaccessible housing and the ongoing Covid-19 pandemic, among other contributing factors.  

## How we’re helping 
While we don’t ask for traditional documents such as a utility bill or a credit check to open an account at Monese like banks do, we do need an address at which to register a customer’s account and send their Monese card to. 

During the trial with ProxyAddress, people registered homeless with Lewisham Council will be eligible to participate and sign up to Monese using their allocated proxy address. Upon signing up with us, they’ll receive a non-personalised debit card giving them instant access to any funds that are deposited into their accounts. They’ll also be upgraded to a Monese Premium account for free.  

## Financial services for all
We’re committed to financial inclusion here at Monese. Many of our customers are working in the gig economy, self-employed or living in a different European country to that in which they were born, and aren’t so well served by mainstream banks. 

We allow people without a credit history or the traditional documents required by banks, to open an account with us quickly and easily. Customers can also use our app in 14 languages and get help from our multilingual Support team. Finally, our [money transfer](https://monese.com/money-transfers "Money transfers with Monese") service allows our customers to send money back home at excellent international exchange rates. 

This new partnership with ProxyAddress is one of several initiatives we’ve launched to make sure financial services are open to everyone: 
- __March 2019:__ We launched an online directory of inclusive financial institutions, depending on customers’ needs, as part of our ongoing work with the [Emerging Payments Association](https://www.emergingpayments.org/ "Emerging Payments Association")
- __July 2020:__ We more than doubled our cash top-up network by launching tens of thousands of new locations in Europe via a partnership with [Paysafecash](https://monese.com/gb/en/blog/add-cash-paysafe "Add cash to your Monese account with Paysafecash"). Cash top-up functionality is another key element that customers expect from their primary account. Together with our Post Office and PayPoint partnerships in the UK, we’ve created one of the largest cash top-up networks in Europe

We sincerely hope that via this partnership with ProxyAddress, we’re able to help even more people in our communities. If you’re someone who’ll benefit from this new partnership, we’d love to hear from you. Get in touch with us 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 email us at [community@monese.com](mailto:community@monese.com "Email Monese"). 


We’ve partnered with ProxyAddress so those facing homelessness in the UK can open a Monese account

Monese accounts for people without stable addresses

Monese and ProxyAddress

Blog post > ProxyAddress launch

During the Covid-19 lockdown, we reached out to some of you and asked you to share your stories on the impact the pandemic has been having on you &mdash; we also carried out an online survey. The results showed the true resilience and flexibility of our gig economy workers during the outbreak.

It was important for us to reach out, because not only do gig economy workers make up a large part of our customer base, but we sincerely believe they deserve continued support and recognition, even well beyond this crisis. 

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

## We did some digging...
To truly begin to appreciate our essential workers, we thought it necessary to explore what it’s taken for them to keep our cities powered and the economy moving &mdash; though at a much slower pace than we’d like.

### Impacted wages 

Our findings showed that during the lockdown period, income dropped by 9% for gig economy workers in the UK. While the average income in a typical month was £1,134 after taxes, in March 2020, it fell to £1,037. Gig economy workers in Scotland took the biggest hit with their wages dropping a significant 15%. 

![Graph](//images.ctfassets.net/96dxy75w1gjr/3lPbToalUdnppX4eAHYwdQ/5668b02c63732e6a4e556093b6956059/Graph.png)

This decrease in wages poses a serious problem. Many also told us that they don’t have enough savings to last them long should they lose their job during the crisis:

- Almost three in ten (27%) said they only have enough savings to survive for one month or less if out of work.
- One in ten (12%) would only survive for up to 2 weeks.
- A quarter (25%) said they had zero savings to fall back on.

While nearly half (49%) admitted to feeling worried about their work as a result of the Covid-19 outbreak, interestingly, the health of the nation was of greater concern than their wellbeing. People told us that they were more concerned about the impact the outbreak has had on general public health (61%) than on their job or income (33%).

### Strength, resilience and flexibility 

To also prove the flexibility and agility of these workers, almost one in three (30%) said that if they lose their job, they’d take any job available:

- 29% said they’d consider becoming a delivery driver.
- One in three (33%) would take a job as a cleaner.
- ver half (59%) would apply for any job in a supermarket.

### Safety concerns

Survey results also showed that one in three (32%) of gig economy workers didn't feel safe going to work but felt they had to because they needed the income. Some other statistics taken from the survey regarding safety issues include the following:

- 29% continued working without protective gear (gloves, mask, hand sanitiser).
- More than one in 20 (6%) continued to work with suspected Covid-19 symptoms.
- Nearly six in ten (57%) don’t believe they’re getting paid enough for the health risk they’re currently taking at work.

### Feeling undervalued 

Almost half (45%) of gig economy workers thought their significant role of keeping the economy going would continue to be recognised by the UK public when the outbreak is over. However, 49% thought the Government would not continue to recognise their positive role in the crisis. 

And it seems that gig economy workers don't feel protected by the Government's response. They think the late delivery of the self-employed financial scheme has created an 'upstairs-downstairs' social divide between those employed and those self-employed:

- Almost half (48%) said that the Government's support scheme for the self-employed isn't useful to them.
- One in six (15%) said that the scheme doesn’t support them in the way they need support. 
- Eight per cent were worried that compensation would not reach them until June. 
- One in 15 (7%) said they weren’t eligible for the scheme as they had registered as self-employed after the cut-off date.

## Our takeaway
It’s impossible to ignore the essential role millions of gig economy workers are playing in keeping our cities going at this critical time, at the sacrifice of their own health. Many of whom are currently juggling two or three jobs to make ends meet. The coronavirus crisis has certainly highlighted who these essential workers really are - some of the lowest-paid people we depend on are the people who’ve continued to power our cities throughout this global crisis. From frontline workers in transport, retail and food, it’s the millions of self-employed taxi drivers, couriers and delivery workers who’ve helped keep food on our supermarket shelves and enabled the rest of us to carry out social-distancing safely. 

We often take the people powering our cities for granted. They’re the engine room of the economy. We receive parcels at all hours, our shelves are full and drivers deliver. Perhaps for the first time, we realise the role they play in keeping our cities moving and come together to recognise their monumental efforts. We hope that society will continue to appreciate all their hard work even once this crisis is over.

We’d like to take this opportunity to thank those who responded to our email and participated in our research. Most of all, thank you for keeping our cities going. 

Gig economy workers have kept our cities going during the pandemic... but at what price? 

The true cost of the essential worker during Covid-19

Hero 50390c38ed0094a386d62c09f1033516 (1)

Blog post > The true cost of the essential worker during Covid-19

During this difficult period caused by the Coronavirus (Covid-19) outbreak, we want you to know we’re taking every measure available to us to keep you and your money moving.

Last week, the World Health Organisation (WHO) declared a [global pandemic](https://www.who.int/dg/speeches/detail/who-director-general-s-opening-remarks-at-the-media-briefing-on-covid-19---11-march-2020). This has seen a strong response from governments and companies of all sizes, and most of us will be ultimately affected in some way.

Here’s what we’re doing to make sure you’ll continue to have access to your money, however this may be impacting you. 

### It’s business-as-usual for us
All Monese services will keep working as they’ve always been. There won’t be any changes to how your Monese account and card operate.

As a technology-led business, we’re in a great position to manage situations like this. Our team is fully set up to continue giving you the same quality service you’re used to. All our employees are working from a safe environment; everyone from across our four offices is encouraged (and given everything they need) to work from home. Many of us often work this way anyway!

You can always find more details about our service status [here](https://status.monese.com/) (it’s all systems go), but we’ll update it - and this post - if anything changes.

### We’re mobile by design
Our service is mobile and flexible by its very nature. Our app allows you to manage your money from the comfort and safety of your own home (without having to venture out to a high street branch).

Aside from that, here are some of the features that might be more useful now than ever:
- __Contactless payments:__ all Monese cards come with contactless technology, so that you never have to touch a card machine when paying for something (just hover it closely over the machine, and it’ll do its magic). This is something that’s also been [recommended](https://www.finextra.com/newsarticle/35384/who-urges-switch-to-contactless-to-slow-virus-transmission) by the WHO.
- __Pay with your phone:__ Monese cards support [Apple Pay](https://monese.com/blog/2019/04/apple-pay-is-here) in 31 countries and [Google Pay](https://monese.com/blog/2019/09/google-pay-europe) in 12 countries, so you can pay quickly and safely without even having to get your wallet out.
- __Shop online:__ if you’re trying to avoid physical stores, you can safely use your Monese card to shop online. Or you can [create a virtual card](https://monese.com/blog/2019/12/create-virtual-card) to separate your purchases and lock it when you aren’t using it. Our cards are also enabled with 3D Secure. This gives you an additional layer of security for many online stores, by texting you a one-time password to type in before completing the purchase.
- __Use your phone to move money:__ if you need to receive or send money to your friends and family during this difficult period, you can do so with just a few taps. Our apps will let you set up fast transfers of all kinds, and if they’re between Monese accounts, they’re totally free and instant. 

### Latest updates
We're updating this post as we add more news, advice and guidance to the blog – keep checking back to stay in the loop!

## If your travel plans are disrupted
__Updated on 17 March:__ If your travel plans are now up in the air, we feel you. That’s why we’ve gathered [some advice](https://monese.com/blog/2020/03/covid-19-travel-disruption) that might help guide you, including some of our team’s recent experiences and learnings. And we’re preparing many more tips and recommendations, which we’ll add to our blog as we have it.

## How to stay away from scams
__Updated on 31 March:__ There's been an increase in scam attempts amidst the coronavirus pandemic - [here's](https://monese.com/blog/2020/03/avoiding-coronavirus-scams) what you need to be watching out for so you don't fall victim to fraud. Plus [here](https://monese.com/blog/2020/03/make-sure-youre-talking-to-us)'s how to make sure you're really talking to us.

## New contactless limits
__Updated on 1 April__: As of April 1st, Mastercard has raised contactless payment limits for many countries &mdash; just keep in mind that merchants need to update their card machines. Here are some examples of what the limits have been raised to now: £45 in the UK, €50 in Germany, 100 zł in Poland, €50 in Portugal and €50 in Spain.

## Tips on working from home
__Updated on 2 April:__ Many people are now stuck working from home - including us! We've gathered some [tips from our team](https://monese.com/blog/2020/03/stay-sane-working-remotely) to help you stay happy, healthy, motivated and sane while working remotely. And we've made [a Twitter thread](https://twitter.com/monese/status/1245716282063892481) exploring how Monese parents are coping with working from home with kids!

## Keeping your spending in check
__Updated on 6 April:__ Staying home for most of the time gives you a good chance to review some of your regular spending. [We've got a few ideas](https://monese.com/blog/2020/04/keep-spending-in-check-self-isolating) for where to start, plus how to be mindful of the toll this situation's taking on sole traders and small businesses.

At Monese, our mission is to make it easy to manage your money - wherever you are in the world. We’re all in this together; we’re a business designed to keep you moving whatever happens, and we’re always [here for you](https://monese.com/contact).

Stay safe!

While everyone’s trying to cope with the outbreak, we’re focused on keeping you and your money safe

Dealing with Covid-19

COVID19-Blog 50390c38ed0094a386d62c09f1033516

Blog post > Dealing with Covid-19

Nun ist es also soweit – das Vereinigte Königreich ist aus der Europäischen Union ausgetreten. Was nun folgt, ist eine Übergangsphase, in der darüber verhandelt wird, wie die zukünftige Zusammenarbeit aussehen soll. Doch egal, welches Ergebnis am Ende steht, wir versichern dir, dass wir auf alles vorbereitet sind.

Unseren Kunden die finanzielle Freiheit zu bieten, die sie brauchen, um sich überall frei entfalten zu können, ist und bleibt oberste Priorität für uns. Ungeachtet des Brexit, werden wir diesen Anspruch auch weiterhin verfolgen. Dafür haben wir alle notwendigen Vorkehrungen getroffen.

Ganz gleich, wie sich die Dinge in den kommenden Monaten entwickeln, unser Service bleibt bestehen, das bedeutet:

- Du kannst weiterhin deine Monese-Karten und Konten nutzen.
- Du wirst auch zukünftig Geld überweisen und dir überweisen lassen können.
- Du kannst unverändert Geld zum günstigen Wechselkurs ins Ausland schicken.
- Du kannst alle Funktionen der Monese-App wie gewohnt nutzen.

## Ändert sich überhaupt etwas für mich?

Nein. Daran, wie dein Konto und deine Karte funktionieren, wird sich nichts ändern. Du kannst genauso weitermachen wie bisher.

Welche Vorbereitungen hat Monese getroffen? In Zusammenarbeit mit unserem Lizenzpartner haben wir im vergangenen Jahr eine neue regulierte Einheit in Belgien geschaffen. Dieser Schritt erlaubt uns, dir nach dem Brexit den Service zu bieten, den du bisher von uns gewohnt bist.

__Wenn du im Vereinigten Königreich__ lebst und ein Monese-Konto hast, wird dein Monese-Konto weiterhin von der britischen Finanzaufsichtsbehörde FCA reguliert. Solltest du ein EUR-Konto haben, behältst du deine IBAN, die mit „GB“ beginnt. Diese kanst du weiterhin nutzen.

__Wenn du in Frankreich__ lebst und ein EUR-Konto bei Monese hast, behältst du bis auf weiteres deine IBAN, beginnend mit „GB“. Eines sei verraten: Wir arbeiten bereits an einer geeigneteren Lösung, Updates folgen in Kürze!

__Wenn du an einem anderen Ort im Europäischen Wirtschaftsraum lebst__, wird dein Monese-Konto künftig von der Belgischen Nationalbank (NBB) reguliert. Du solltest bereits eine neue IBAN für dein EUR-Konto von Monese erhalten haben. Deine neue IBAN, die mit „BE“ beginnt, kannst du auch für Lastschriftverfahren verwenden. Aber auch deine alte IBAN funktioniert weiterhin.

Falls du dich fragst, wie deine Kontodaten nun für welches Konto aussehen – du kannst sie jederzeit in deiner Monese-App einsehen. Wähle dazu einfach auf dem Startbildschirm das entsprechende Konto und tippe auf „Kontodaten“.

## Was geschieht als Nächstes?

Die geplante Übergangsphase soll bis zum 31. Dezember 2020 andauern. Bis dahin führt das Vereinigte Königreich mit der EU und anderen Ländern Gespräche über künftige Handelsabkommen. Wir werden die Entwicklungen weiterhin genauestens verfolgen, um gemeinsam mit unseren Partnern und den zuständigen Aufsichtsbehörden Lösungen auszuarbeiten, falls sich etwas ändern sollte.

Wir informieren dich umgehend, sobald wir Neuigkeiten haben. Bis dahin kannst du dein Monese-Konto wie gewohnt nutzen. Weitere Infos findest du in unseren [AGB](https://monese.com/eu/de/terms). Falls du Fragen hast, die den Brexit oder die Auswirkungen des Brexit auf dein Monese-Konto betreffen, kannst du dich jederzeit an unser Support-Team wenden: [support@monese.com](mailto:support@monese.com).

We’re fully prepared for this scenario, and there won’t be any changes to how your Monese account works

Brexit is here, but we’ve got you covered

Blog post > Brexit is here, but we’ve got you covered

Wir haben sämtliche Vorbereitungen getroffen, damit sich für dich nichts ändert.

Der Brexit ist da – aber wir sind gewappnet

Wir haben unseren Service noch passgenauer auf dich und deine Bedürfnisse zugeschnitten. Wie, das erklären wir dir in diesem Blogbeitrag. Nach unserem letzten Update [von September](https://monese.com/eu/de/blog/2019/09/update-preparations-brexit) hat sich einiges getan.

__Es gibt gute Nachrichten: Wir haben damit begonnen, europäische Kontonummern (IBANs) für Monese Euro-Konten an unsere Kunden außerhalb des Vereinigten Königreichs herauszugeben.__

## Wo ist die neue Kontonummer für mein EUR-Konto?
![eur-iban-account-number-1b](//images.ctfassets.net/96dxy75w1gjr/5u0NHa7RNJSomy7COoYvu8/4c5fa51700ba91e05ed0d961f23fdc4e/eur-iban-account-number-1b.png)

Wenn dein Wohnsitz außerhalb des Vereinigten Königreichs oder Frankreichs liegt, findest du deine neue Kontonummer (oder IBAN) in deinem Monese-EUR-Konto unter „Kontodaten“ – sie beginnt mit den Buchstaben „BE“. Deine neue IBAN steht auch in der oberen linken Ecke deines Konto-Menüs. Die Kontonummer wird nicht angezeigt? Dann vergewissere dich am besten, dass du die neueste Version der App installiert hast.

Deine alte IBAN (mit den Anfangsbuchstaben „GB“) und dein BIC werden weiterhin unter „Kontodaten“ sichtbar sein und wie gewohnt funktionieren. Du wirst also weiterhin Geld empfangen, das an diese Nummer geschickt wird. Wir empfehlen dir allerdings, in Zukunft deine neue „BE“-Kontonummer für eingehende Zahlungen (z. B. Banküberweisungen) zu verwenden. Diese kannst du mühelos mit jedem teilen, inklusive deinem Arbeitgeber – gehe dazu einfach zum Bildschirm „Kontodaten“ und auf tippe „Teilen“.

![eur-iban-account-number-2b](//images.ctfassets.net/96dxy75w1gjr/3zCNWe3sMWimYN6dQvqgMC/1f237cc635727aac2f4226febfc9fb26/eur-iban-account-number-2b.png)

Keine Sorge – die Art und Weise, wie dein Monese-Konto und deine Karte funktionieren, hat sich nicht geändert. Du kannst deine Monese-Karte und dein Konto wie gewohnt nutzen, du musst nichts weiter unternehmen.

## Wenn sich dein Wohnsitz im Vereinigten Königreich oder in Frankreich befindet

Wenn du im Vereinigten Königreich wohnst, wird dein Monese-Konto auch in Zukunft von der britischen Financial Conduct Authority reguliert. In diesem Fall beginnt deine EUR-Kontonummer auch weiterhin mit den Buchstaben „GB“, und du kannst dein GBP-Konto nutzen, um sogenannte Direct Debits (Lastschriften innerhalb des Vereinigten Königreichs) einzurichten.

Solltest du deinen Wohnsitz in Frankreich haben, ist deine neue IBAN zu diesem Zeitpunkt noch nicht ganz fertig – aber wir werden ein tolles Update für dich haben!

## Jetzt auch mit Lastschriften

Eine tolle Möglichkeit, die deine neue IBAN bietet, ist das Lastschriftverfahren.

Mit der Einrichtung von Lastschriften ist es ein Einfaches, Rechnungen und Zahlungen in deinem Monese-Konto zu verwalten, ohne den Überblick zu verlieren. Du kannst deine Rechnungen nun automatisch begleichen – um verpasste Zahlungen brauchst du dir keine Sorgen mehr machen. Das Lastschriftverfahren nutzt das SEPA-Verfahren - weitere Informationen zu diesem Thema findest du [hier](https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direct-debit).

Um eine Lastschrift einzurichten, tippst du auf dem Startbildschirm auf „Mehr“, wählst die passende Option und schon kannst du deine Lastschriftzahlung anlegen.

Wir sind sehr gespannt, wie du deine neuen EUR-Kontonummern und das Lastschriftverfahren nutzen wirst. Weitere Informationen zu diesen Änderungen findest du in unserem [Hilfe-Center](https://support.monese.com/hc/de/categories/360000729699-Brexit-und-Monese) oder unseren aktuellen [Geschäftsbedingungen](https://monese.com/gb/de/terms?l=c). Falls du Fragen hast, kannst du dich wie gewohnt an unseren freundlichen [Kundensupport](https://monese.com/gb/de/contact?l=c) wenden.


Here’s the latest on how you’re getting an even more localised Monese service, regardless of Brexit

Introducing your new European account number

eur-iban-account-number-be 50390c38ed0094a386d62c09f1033516

 Blog post > Introducing your new European account number

Die neuesten Informationen zum Service von Monese - noch besser auf dich zugeschnitten und unabhängig vom Brexit

Deine neue europäische Kontonummer

### What happened?
Thomas Cook, the 178-year-old tour operator, has [collapsed](https://www.bbc.co.uk/news/business-49791249), leaving hundreds of thousands of holidaymakers stranded abroad.

### What can I do?

If you've booked your holiday from the UK, you should be protected by the Civil Aviation Authority’s [ATOL scheme](https://www.caa.co.uk/atol-protection/consumers/about-atol/) (which stands for Air Travel Organiser’s Licence). This should support you if you're currently abroad, and reimburse the cost of replacing parts of your ATOL protected holiday.

### Can Monese help if I'm already abroad?

We appreciate that anyone already abroad may face some unexpected expenses as they try to get home.

If you’re caught up in this, we realise these days can be incredibly difficult and stressful for you. The last thing you want to deal with is unplanned costs like ATM withdrawal fees and costs on foreign currency card spending.

So if you’re a Monese customer and you’re affected by this, email us at [thomascook@monese.com](mailto:thomascook@monese.com) with proof of travel (like a booking confirmation email or boarding pass from Thomas Cook), and __we’ll upgrade you to Monese Premium for a month, for free__, which will give you unlimited allowances and zero fees on any ATM withdrawals, foreign currency card spend and much more.

[Email us](mailto:community@monese.com)

### What about a future booking?
If you’ve got any future flight bookings with Thomas Cook, that are now cancelled and *not* ATOL protected, you may still be able to make a claim via Monese – __we can request a chargeback on your behalf__. Just email us at [thomascook@monese.com](mailto:thomascook@monese.com) so we can investigate this for you.

### Where can I find more information?

The Civil Aviation Authority (CAA) has also set up an official support page for more information, which you can find [here](https://thomascook.caa.co.uk/).

We wish everyone out there a safe and speedy return, and our support team is on standby if you have any further questions.

As thousands of holidaymakers are trying to find their way back home, here’s how we can help



Dealing with the Thomas Cook collapse

travel-warning 50390c38ed0094a386d62c09f1033516

Blog post > Dealing with the Thomas Cook collapse

As thousands of holidaymakers are trying to find their way back home, here’s how we can help

With just under two months to go to the key Brexit date of 31 October 2019, we want to update you on our Brexit preparations and our upcoming plans for a more localised service for our customers across Europe. 

__This includes the introduction of European account numbers (IBANs) with Monese, and direct debits with your Monese EUR account!__

## A globally-minded business from the start

Here at Monese, we are building a new kind of financial service – one that gives you the financial freedom to thrive anywhere.

In order to deliver on this ambition, we knew we would need to be set up to serve many customers, in many countries, around the world. Regardless of Brexit.

## What does Brexit mean for Monese services?

As you might know, it is still unclear on what terms the United Kingdom will leave the EU. There is a chance that it will happen without a negotiated agreement on the key date of 31 October 2019 (i.e. commonly referred to as a ‘No Deal Brexit’).

At Monese we are fully prepared for any Brexit scenario. Our licencing partner has created a new regulated entity in Belgium. This means that Monese accounts issued to customers based outside of the UK will be transferred to this entity. This ensures Monese can continue to provide the same level of service to you after Brexit.

If you are a UK-based customer and have a Monese UK GBP and/or a EUR account, it will continue to be regulated by the Financial Conduct Authority in the UK. 

__With under two months to go to this key date, we want to reassure you that there will be no change to how your Monese account and card operates – carry on using your Monese card and account as normal. You do not need to do anything.__

## What are the benefits of a ‘more localised service’?

This move to an EU entity will allow us to introduce many more localised features and services for you. We’re very excited to share what we’ve got in store at Monese over the coming weeks!

There are two updates coming to you very soon:

- We will be introducing Monese EU account numbers (IBANs) this Autumn
- You will soon be able to make direct debit payments with your Monese EUR account 

This Autumn, we will issue you with a new account number (IBAN) for your Monese EUR account. Your current IBAN account number will continue as normal and you can continue to receive money, transfers and payments to your current IBAN and your account. One of the benefits of your new IBAN is that you will be able to make direct debit payments with your EUR account.

We will be back in touch with more information soon regarding the introduction of new EU account numbers (IBANs). 

These updates are just the start, and many more features and services are coming up in 2019. Watch this space! 

## Updated Terms & Conditions

We have also updated our [Terms & Conditions](https://static.monese.com/terms-september-2019/en/terms.pdf "Monese Customer terms and conditions October 2019") for all customers, in order to account for regulatory changes to those of you based in the rest of Europe. You do not have to do anything in order to agree to these new Terms and Conditions. If you continue to use your Monese account or card after 30 September 2019, these new Terms and Conditions will apply to you. 

We have further information about what Brexit might mean for you [here](https://support.monese.com/hc/en-gb/categories/360000729699-Brexit-and-Monese "Brexit and Monese") and if you have any questions, please do not hesitate to get in touch with our [Customer Support team](https://monese.com/contact "Contact us").

With just under two months to go to the latest key Brexit date of 31 October, we want to share our plans for a more localised service across Europe



An update on how we're preparing for Brexit

brexit email-copy-4-1 50390c38ed0094a386d62c09f1033516

Blog post > An update on how we're preparing for Brexit

With just under two months to go to the key Brexit date of 31 October 2019, we want to update you on our Brexit preparations and our upcoming plans for a more localised service for our customers across Europe.

With just under two months to go to the latest key Brexit date of 31 October, we want to share our plans for a more localised service across Europe

Over the past few years we’ve been hard at work building a financial service that gives people the financial freedom to thrive anywhere – one that provides an essential means for you to follow your dreams. Today, more and more people expect this financial freedom, as they find themselves in new places – be it for work, family, study, travel, business, or retirement reasons. We believe your money should support you every step of the way, wherever you may be.

Today, we’re very excited to unveil a brand new look at Monese, that puts __our ambition to give you the financial freedom to thrive anywhere, front and centre. It’s called - ‘Be Free’__.

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

Alongside introducing ‘Be Free’, we are introducing __new pricing__ and offering you generous fee-free allowances so you can use your cash and your cards abroad without fees. We know that life changes fast for you, so our plans are highly flexible and give you the ultimate freedom of choice. We’re also unveiling our __brand new cards__, for each of these plans.

## Plans that work for you

![Monese New Pricing Plans 2019](//images.ctfassets.net/96dxy75w1gjr/5VL3xs8JeEjIUewLhFM7Cp/6a74a6bb2231c375afb57ec9316bb765/Monese-New-Pricing-Plans-2019.jpg)

*__Update:__ our pricing has been updated since this blog post was published. You can find the latest details [here](https://monese.com/pricing "Pricing")!*

You currently have the choice to pay a monthly fee or use Monese for free – and that’s not going to change. But while we’ve continued to fine-tune existing features within the Monese app (and add lots of new ones), we also recently decided to change the way you can choose to pay for Monese.

Whether you want to use Monese for free, or you have discovered the value of our Classic and Premium offers, our new pricing plans are designed to be as flexible as you are.

They all come with a free Monese card, a free secondary EUR or GBP account, free debit card top-ups – plus free instant transfers between all Monese users, without any kinds of fees, including currency exchange.

Then, you’ll get tailored, fee-free, allowances for global ATM withdrawals, cash top-ups and foreign currency spending. Here are the details:

- The first allowance covers how much cash you can withdraw from ATMs anywhere in the world and how much cash you can top up your account with each month, before paying any fees
- The second allowance covers how much you can spend on your Monese card in foreign currencies, before paying any fees

Here’s a run-down of each plan in more detail.

### Simple

Our Simple plan is a great one to get you started, and works perfectly if you just need a current account to receive your salary or a card for your travels. It is free and has no monthly fee, and it gives you a neat allowance of free ATM withdrawals, cash top-ups, and foreign currency card spend:

- £/€ 200 allowance for free ATM withdrawals globally and cash top-ups each month (after which a 2% fee applies)
- £/€ 2,000 allowance for fee-free card spend in foreign currencies globally each month (after which a 2% fee applies)
- 2% fee for international transfers in foreign currencies

### Classic

Our Classic plan is best for those who use Monese as their main account, or use cash and international transfers frequently. It costs £4.95 a month, and unlocks even bigger allowances that cover more cash top-ups and ATM withdrawals, and more spending on your card in foreign currencies:

- £/€ 800 allowance for free ATM withdrawals globally and cash top-ups each month (after which a 2% fee applies)
- £/€ 8,000 allowance for fee-free card spend in foreign currencies globally each month (after which a 2% fee applies)
- 0.5% fee for international transfers in foreign currencies (can be more for some currencies)

### Premium

Our Premium plan is the ultimate Monese account, which gives you total peace of mind if you’re spending a lot across different countries and currencies or often transfer larger amounts abroad. It costs £14.95 a month, and gives you a truly unlimited allowance for any and all transactions – meaning you pay a one-off monthly fee and get everything for free thereafter:

- Free global ATM withdrawals and cash top-ups
- Unlimited global fee-free card spend in foreign currencies
- Zero fees for international transfers in foreign currencies

You can switch your Monese plan whenever you want, to suit whatever lifestyle changes come your way - and we won’t tie you to anything. More details are available on our [pricing page](https://monese.com/pricing "Costs").

The new Simple, Classic and Premium plans are available to everyone from today. If you’re an existing customer using one of our old plans, you can upgrade whenever you like.

## New cards to match your plan
![Monese New Cards 2019](//images.ctfassets.net/96dxy75w1gjr/2HASa81xXTYM65ndKLbRNw/831f2a645cf1705a2826f515c6367373/Monese-New-Cards-2019.jpg)

We’re also launching new Monese contactless cards!

From now on, your Monese cards will match the pricing plan you’re on, rather than the currency of the account they’re linked to – and they come in beautiful combinations of sheer whites and subtly textured blues.

We have also chosen a more aesthetically pleasing vertical design format – because horizontal cards with embossed numbers are quickly becoming a thing of the past, having been originally created to meet the needs of old (now obsolete) card reading tech.

Enter our Simple card – sporting a bright pearl base and a shimmering metallic Monese logo that comes in blue, matching the magnetic strip on the back. Then there’s our Classic card, which wears our trademark blue over a pearl base coat, and has a silver foil for the Monese logo, the magnetic strip and card’s edging. And finally, our Premium card comes in a deep midnight blue, with a textured sparkle; you’ll immediately notice the gleaming holographic foil logo, that matches the card’s edging.

Anyone who orders a card from today (including those using our old plans) will be receiving these new cards.

## Coming soon

You’re going to be seeing a lot more from us over the coming months, so stay tuned! We’re really excited about this new direction, and we would love to hear your thoughts – let us know on Facebook, Twitter or Instagram!

Introducing a new look, new pricing plans and new cards

Be Free with an account that’s as flexible as you are

Monesebefree

Blog post > Be Free with an account that’s as flexible as you are

In celebration of [Refugee Week](https://refugeeweek.org.uk/ "Refugee Week Homepage"), we're proud to announce an ongoing project to support refugees across the UK. Our trial with the Post Office was part of this scheme, which you can read about [here](https://monese.com/blog/2019/04/addressing-unaddressed-post-office "Monese blog: No address? No problem"). 

We’re committed to giving out our Premium plan to refugees (usually £14.95 a month) for free, for life. The Premium plan waives all transaction fees, granting our customers entirely free current account facilities. 

At the moment we can give refugees access to a Monese mobile money account provided they have been granted asylum and received their Biometric Residence Permit (BRP). Banks are legally obliged to accept BRP’s, however many bank branch staff are not trained to recognise them, which causes issues for many refugees and new migrants across the country. Our hope is that schemes like the one we're running will encourage other financial institutions to open their doors to refugees living and working in the country. 

In an effort to meet customers at their time of need, we are working with refugee charities across the country who help refugees get settled after they have been granted asylum. These charities include [Refugee Education Training Advice Service](http://retasleeds.weebly.com "RETAS Homepage") in Leeds, the [Derby Refugee Advice Centre](http://refsource.gebnet.co.uk/directory/derby-refugee-advice-centre "Refsource"), [RefuAid](https://refuaid.org/ "RefuAid Homepage"), [Gloucestershire Action for Refugees and Asylum Seekers](http://www.garas.org.uk/ "Garas Homepage"), and [Jobs Education and Training North](http://www.jetnorth.org.uk/contact "JET Homepage"), based in Newcastle.

Having worked with us for the last few months, __Hannah__ from G*loucester Action for Refugees and Asylum Seekers* commented:

> Monese are forward thinking and innovative, providing options outside the box to enable refugees in the UK to open accounts quickly and seamlessly. It is a pleasure to be able to work with them and signpost refugee clients to their app and the mobile money account they offer.

__Ruth__ from *Derby Refugee Advice Centre* also commented: 

> Working with Monese has been very beneficial for our clients. Having an alternative to the high street banks, which many of our clients have issues with accessing when they first get leave to remain, has been a huge help. The system has been easy to use and clients like having their account details easily accessible.

__Farhan__, a Monese customer, had this to say:

> It was so quick to open a current account with Monese and I find it very easy to use, particularly when it comes to transferring money.

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

As a Europe-wide organisation ourselves, we want to extend this program to the rest of Europe to ensure we are having as much reach as possible. The challenges in the rest of Europe are very different to the UK, as access to financial services varies in difficulty and scope. Refugees in Germany, for example, are easily able to access a current account but not a debit card. We hope that as we extend our own product capabilities, we will be able to offer help with more complex issues. 

In the meantime, this scheme will continue indefinitely in the UK. If you are a refugee or an organisation that works with refugees, please [get in touch to learn how to access a free Monese current account](mailto:partnerships@monese.com "Email us").

Announcing our latest project to support refugees across the UK



Free Premium accounts for refugees

RefugeeDay 20Jun 1920x1080 v2 50390c38ed0094a386d62c09f1033516

clouds sky airplane with banner "free Accounts for Refugees!"

Blog post > Free Premium accounts for refugees

In celebration of Refugee Week, we're proud to announce an ongoing project to support refugees across the UK. 

Announcing our latest project to support refugees across the UK

<p>Wir haben tolle Neuigkeiten!</p>
<p>Monese hat vor Kurzem eine magische Zahl geknackt: mehr als <strong>1 MILLION</strong> Menschen haben sich für ein Konto angemeldet! Wir sehen dies als wunderbaren Beweis dafür, dass wir etwas bewirkt haben und wir sind unheimlich stolz auf unsere Leistung.
</p>
<p>Wir haben bei Monese unablässig darauf hingearbeitet, unsere Vision einer neuen und besseren Finanzdienstleistung zu verwirklichen. <strong>Eine, die es allen Menschen ermöglicht, sich weiterzuentwickeln - ganz egal, wo sie sich befinden. </strong> 
</p>
<p>Vor einigen Jahren bin ich nach Großbritannien gezogen, mit einem tollen Job und großen Hoffnungen für das nächste Kapitel in meinem Leben. Es hat Monate gedauert, bis ich endlich ein Bankkonto eröffnen konnte. Der Vorgang war nicht nur langwierig, sondern auch teuer und mühsam. Das ist der Grund, warum es Monese gibt: um Menschen ähnliche Probleme zu ersparen und ihnen die Möglichkeit zugeben, schnell und unkompliziert ein Bankkonto in einem neuen Land zu eröffnen. 
</p>
<p>Heutzutage erwarten immer mehr Leute eben diese Freiheit, wenn sie sich an einem neuen Ort befinden, sei es für die Arbeit, das Studium, den Urlaub, das Unternehmen oder den Ruhestand. Wir glauben, dass dir ein Banking-Service bei jedem Schritt zur Seite stehen sollte. Nur so kannst du dich ganz darauf konzentrieren, deine Träume zu verwirklichen.
</p>
<p>Jeden Tag registrieren sich 3.000 Leute bei Monese, und das in 31 Ländern Europas. Der Großteil unserer Kunden nutzt die App als Hauptkonto, um ihr Gehalt zu empfangen. Wir unterstützen bereits zwölf Sprachen (und es kommen mehr hinzu), um unseren Service möglichst vielen Personen – ganz gleich, wo auf der Welt – zugänglich zu machen. </p>
<p>Wir haben hart daran gearbeitet, Monese zu optimieren: mit der Einführung von Apple Pay in Europa, Geschäftskonten für kleine Unternehmen und einer exklusiven Partnerschaft mit Avios für die nahtlose Verwaltung von Finanzen und Freizeit. Außerdem sind zahlreiche neue Funktionen hinzugekommen, die dir dabei helfen, dein Geld zu verwalten. Wir sind nach wie vor überwältigt von dem Feedback und der Unterstützung unserer Kunden. Hier eine kleine Kostprobe:
</p>
<p>Diane - "Ich konnte nirgends ein Bankkonto ohne spezifischen Adressnachweis eröffnen, den ich zu dem Zeitpunkt noch nicht hatte. Monese war die einzige Option, die mir eine Prepaid-Karte zur Verfügung gestellt hat, ebenso wie eine Bankleitzahl/Kontonummer, um Geld zu senden und empfangen (Miete, Gehalt). Ich konnte auch ein Lastschriftverfahren einrichten, was sehr wichtig war, um meine Nebenkosten zu bezahlen. Der unheimliche Frust, kein Bankkonto eröffnen zu können, verwandelte sich dank Monese schnell in die Einsicht, dass ich eigentlich gar keins mehr brauche."
</p>
<p>Ari - "Nach zwei Stunden Anstehen in meiner Bankfiliale war ich in der Schlange immer noch nur bis zur Hälfte vorgerückt! Also bin ich nach Hause gegangen und habe dort innerhalb von nur sieben Minuten mein Monese-Konto eröffnet. Meine Karte war auch schon auf dem Weg zu mir. Auf diese Weise habe ich mein britisches Bankonto bekommen noch bevor ich überhaupt dort hingezogen bin."
</p>
<p>Lachezar - "Ich nutze Monese jetzt schon seit mehr als zwei Jahren und die App wird einfach immer besser. Die Benutzerfreundlichkeit verbessert sich bei jedem neuen Update. Da ich bei jeder Transaktion eine Benachrichtigung bekomme, brauche ich mir keine Sorgen zu machen, und ich kann Geld zu einem super günstigen Preis ins Ausland schicken, verglichen mit anderen Bezahldiensten. Karte verloren? Gar kein Problem! Man kann sie innerhalb von wenigen Sekunden in der App sperren lassen und sofort eine neue Karte bestellen. Meine ist nach knapp zwei Tagen angekommen. Eine wahre Revolution für das Banking und ich bin so froh, ein Teil davon zu sein."
</p>
<p>Im Hinblick auf unsere Vision für neue und bessere Finanzdienstleistungen haben wir bereits so viel erreicht – aber noch lange nicht genug! Wir können es kaum erwarten, dir von unseren neuen Zukunftsplänen zu berichten. Bis dahin möchte das ganze Monese-Team dir ein riesiges Dankeschön aussprechen. Ohne dich wäre der Erfolg von Monese niemals möglich geworden!<br></p>
<p><a href="https://monese.com/eu/de/download-now" class="btn btn--one">Jetzt registrieren</a></p>
<p><br></p>

Mehr als 1 Million Menschen haben sich bei Monese registriert - ohne dich wäre dies niemals möglich gewesen!

One Million Monese Signups

Blog post > Thanks a million!

Over 1 million people have now signed up to Monese – and we couldn’t have done it without you!

Country Tag > United Kingdom

Herzlichen Dank - millionenfach!

<p>Wir freuen uns sehr, euch dieses Mal eine ganz besondere Partnerschaft vorzustellen: das Pilotprojekt mit dem britischen Post Office. Von unserer neuen Kooperation erhoffen wir uns, zahlreichen Menschen zu helfen, die erst kürzlich nach Großbritannien gezogen sind – insbesondere Flüchtlingen. Das Projekt ist Teil unserer Bestrebungen, mit vertrauenswürdigen Organisationen im ganzen Land zu kooperieren und so Banking für jeden zugänglich zu machen.</p>
<p><br></p>
<h3>28 Tage
</h3>
<p>Die Idee ist aus einer Erkenntnis heraus geboren, die uns während unserer Arbeit mit Flüchtlingen bewusst geworden ist: Wenn Flüchtlinge im Vereinigten Königreich Asyl erhalten, haben sie 28 Tage Zeit, um eine Wohnung und Arbeit zu finden, keine Sozialleistungen mehr zu beziehen (35,39 £ pro Woche) und ein Bankkonto zu eröffnen. Diese Zeitspanne ist äußerst knapp und nur schwer einzuhalten, damit Flüchtlinge, deren Status erst kürzlich anerkannt wurde, auf eigenen Beinen stehen. Laut <a href="https://www.theguardian.com/world/2017/sep/08/destitution-is-routine-refugees-face-homelessness-even-after-gaining-asylum" target="_blank">einer Studie</a> des RefugeeCouncil lebt ungefähr die Hälfte der Betroffenen während dieser Zeit in vorübergehenden Unterkünften oder wird obdachlos.</p>
<p>In dieser kritischen Zeit möchten wir Monese als Banking-Alternative anbieten. Denn ein Konto ist maßgeblich, um das Gehalt zu empfangen und die Miete zu bezahlen.</p>
<p><br></p>
<h3>Das Problem mit der Adresse
</h3>
<p>Obwohl wir nicht nach einem Adressnachweis verlangen, ist eine private Wohnanschrift notwendig, um das Konto darauf anzumelden und die Debitkarte des Kunden dorthin zu schicken. </p>
<p>Natürlich finden nicht alle Flüchtlinge nach der Genehmigung ihres Asylantrags gleich eine Wohnung, und auch nicht jeder neu Zugezogene hat in seinen ersten Wochen eine Adresse. Genau aus diesem Grund bedarf es einer Alternative, eine, die diesen Personengruppen Zugang zu einer elementaren Finanzdienstleistung gewährt.</p>
<p><br></p>
<h3>Hier kommt das Post Office ins Spiel 
</h3>
<p>Wir haben uns mit dem britischen Post Office zusammengetan, damit Kunden sich auch ohne private Wohnanschrift – unabhängig davon, ob sie Flüchtlinge sind oder nicht – bei ihrer örtlichen Post-Office-Filiale anmelden können. Daher starten wir eine achtwöchige Testphase mit ausgewählten Filialen in der Nähe unserer gemeinnützigen Partner, die sich um die Belange von Flüchtlingen und Migranten kümmern.</p>
<p>Im Rahmen dieses Testlaufs kooperieren wir auch mit dem <a href="http://www.eeac.org.uk/#/">East European Resource Centre</a> in London, dem <a href="http://retasleeds.weebly.com/">Refugee Education Training Advice Service</a> in Leeds, dem <a href="http://refsource.gebnet.co.uk/directory/derby-refugee-advice-centre">Derby Refugee Advice Centre</a>, <a href="https://refuaid.org/">RefuAid,</a> <a href="http://www.garas.org.uk/">Gloucestershire Action for Refugees and Asylum Seekers</a>, und <a href="http://www.jetnorth.org.uk/">Jobs Education and Training North</a> mit Sitz in Newcastle. Wir hoffen, dass unsere im ganzen Land verteilten Partner uns dabei zugute kommen, das Projekt unter verschiedenen Bedingungen auszutesten. So können wir sichergehen, dass unser Lösungsansatz nicht nur auf örtlicher, sondern auch auf nationaler Ebene erfolgreich ist.
</p>
<p>Finanzielle Inklusion gehört für uns als Unternehmen seit Anfang an zu unserem höchsten Anspruch und wir tun unser Bestes, um das in unserem Service abzubilden. Wir können es kaum erwarten, zu sehen, wie unser neues Projekt laufen wird und setzen große Hoffnungen daran, eine zuverlässige Lösung für unsere Kunden gefunden zu haben.</p>

Unser Pilotprojekt mit dem britischen Post Office verschafft auch denjenigen Zugang zu Monese, die keine Adresse haben. 

Keine Adresse? Kein Problem.

monese-unaddressed-post-office-fb

Monese blue character mail carrier mail red bag and hat 

Blog post > No address? No problem

Inclusion Signpost2

Blog post > Join the fight for financial inclusion

Get ready, get set, get signposted

<p>Zwei Monate vor dem Brexit-Stichtag des 29. März möchten wir dich über unsere Vorbereitungen auf dem Laufenden halten und dir versichern, dass du dich als Monese-Kunde auf uns verlassen kannst!<br></p>
<p><br></p>
<h3> Ein weltoffenes Unternehmen – von Anfang an</h3>
<p> Bei Monese arbeiten wir daran, eine neue Art von Banking-Service zu erschaffen, der weder durch nationale noch durch finanzielle Grenzen eingeschränkt wird. Wir möchten mit unseren Produkten dein Leben vereinfachen, egal ob bei deiner Arbeit, im Studium, oder während deiner Freizeit. Unser Anspruch ist es, Menschen zu verbinden, schnell und unkompliziert. Wir sprechen deine Sprache - ganz gleich, wo du gerade bist.
</p>
<p> Uns war stets klar, dass wir dieses Ziel nur mit einer Aufstellung erreichen können, die es uns erlaubt, viele verschiedene Kunden in vielen verschiedenen Ländern zu unterstützen, und zwar weltweit. Unabhängig vom Brexit.
</p>
<p><br></p>
<h3> Welche Auswirkungen hat der Brexit auf den Monese-Service?
</h3>
<p> Wie du vielleicht weißt, ist es noch unklar, unter welchen Bedingungen das Vereinigte Königreich die EU verlassen wird. Es besteht die Möglichkeit, dass der Austritt am Stichtag des 29. März ohne ausgehandelte Vereinbarung stattfindet (der sogenannte "Harte Brexit").
</p>
<p> Wir bei Monese sind auf jedes denkbare Brexit-Szenario vorbereitet. Dies bedeutet, dass wir auch weiterhin unsere Kunden in ganz Europa ohne Unterbrechung bedienen können.
</p>
<p> <strong>Zwei Monate vor dem angekündigten Stichtag möchten wir dir versichern, dass sich die Dienstleistungen, die du erhältst, nicht verändern werden. Ebenso wenig werden die Gebühren, die du bezahlst, infolge des Brexit erhöht. Du musst dafür selber nichts unternehmen.
</strong></p>
<p><strong> Unabhängig davon, ob und wie es zum Brexit kommt, wirst du bei Monese weiterhin einen cleveren Service nutzen können, der dich weltweit vernetzt:</strong></p>
<ul><li>Du kannst wie gewohnt dein Monese-Konto und deine Debitkarte nutzen
</li><li> Zahlungen werden weiterhin versendet und empfangen
</li><li> Du kannst weiterhin Geld ins Ausland überweisen
</li><li> Unsere Gebühren bleiben niedrig und transparent
</li></ul>
<p> Um die regulatorischen Veränderungen im Zuge des Brexit abzubilden, werden wir unsere Allgemeinen Geschäftsbedingungen anpassen. Keine Sorge, wir werden uns zu gegebener Zeit mit genaueren Informationen zu den <a href="https://monese.com/gb/de/terms?l=c">Allgemeinen Geschäftsbedingungen</a> bei unseren Kunden melden.
Weitere Informationen dazu, welche Auswirkungen Brexit für dich haben könnte, findest du <a href="https://support.monese.com/hc/de/categories/360000729699-Brexit-und-Monese">hier</a>. Für weitere Fragen steht dir unser <a href="https://monese.com/gb/de/contact?l=c">Kunden-Support</a> gerne zur Verfügung.</p>

Zwei Monate vor dem Brexit-Stichtag des 29. März möchten wir dich über unsere Vorbereitungen auf dem Laufenden halten.

Brexit: Auf uns kannst du dich verlassen

Brexit Email Copy 4 1

Blog post > Brexit: we’ve got you covered!

With less than two months to go to the key Brexit date of 29 March, we want to update you on our preparations.

<p>Jetzt, wo die Weihnachtsfeiertage vor der Tür stehen, möchte ich euch danken für die Unterstützung, die ihr uns dieses Jahr entgegengebracht habt. Außerdem möchte ich mit euch teilen, was wir mit Monese in 2018 erreicht haben – und natürlich, welche Neuerungen euch in 2019 erwarten.</p>
<p>Bei Monese arbeiten wir daran, eine neue Art von Banking-Service zu erschaffen, der weder durch nationale noch durch finanzielle Grenzen eingeschränkt wird. Wir möchten mit unseren Produkten dein Leben vereinfachen, egal ob bei deiner Arbeit, im Studium, oder während deiner Freizeit. Unser Anspruch ist es, Menschen zu verbinden, schnell und unkompliziert. Wir sprechen deine Sprache – ganz gleich, wo du gerade bist.
</p>
<p>Von dem neuen Jahr versprechen wir uns, dass es noch aufregender wird. Wir können es kaum erwarten, durchzustarten!
</p>
<h2>2018: ein Jahr des Wachstums</h2>
<figure><img src="{asset:3724:url}"></figure>
<p><br></p>
<p>2018 war ein Jahr, das mit zahlreichen Umstruktierungen und Ausweitungen unserer Tätigkeitsfelder einhergegangen ist. Außerdem haben wir unseren 5. Geburtstag gefeiert, was eine ideale Gelegenheit war, um zurückzublicken und zu reflektieren, was wir bisher erreicht haben.</p>
<h4>Über 700,000 registrierte Nutzer</h4>
<p>Jeden Tag kommen tausende neue Kunden hinzu. In 2018 haben sich drei Mal so viele registriert, das bedeutet: Nicht mehr lange und wir knacken die 1-Millionen-Marke. Die meisten unserer Kunden nutzen Monese als Hauptkonto, auf das sie ihre Gehälter überweisen. Demnach sind 75 Prozent der gesamten Einzahlungen Gehaltszahlungen. Das zeigt mir, dass Monese ein echte Bedarfslücke schließt.</p>
<h4>Hallo Kleinunternehmer!</h4>
<p>
Vor einigen Monaten haben wir Monese-Business-Konten zugänglich gemacht und damit unser Angebot für Privat- und Geschäftskunden in Europa und in Großbritannien enorm ausgeweitet. Ein Geschäftskonto bei Monese kann innerhalb weniger Minuten eröffnet werden und ist gekoppelt an ein Privat-Konto – alles in einer einzeigen, praktischen App. Die Eröffnung eines Geschäftskontos kann bekanntlich ein zeitraubender und mühsamer Prozess sein, insbesondere, wenn man kein Einheimischer ist. Unter Umständen dauert das Prozedere Wochen oder sogar Monate. Monese-Business beschleunigt und vereinfacht die Prozedur um ein Vielfaches.</p>
<figure><img src="{asset:3710:url}"></figure>
<p>Uns ist bewusst, dass sich die Unternehmenswelt rasant wandelt und Unternehmer enorm viel unterwegs sein müssen. Was sie brauchen, ist ein Banking, das schnell, vernetzt und transparent ist. Business-Banking sollte kein Bremsklotz für unternehmerischen Ehrgeiz sein. Vielmehr sollte es Unternehmer bei jedem Schritt begleiten, ganz gleich wo in der Welt.</p>
<h4>Neue Funktionen</h4>
<p>Desweiteren haben wir zahlreiche neue In-App-Funktionen integriert. Sie erlauben dir unter anderem, deine Kontakte zu bezahlen, mit 3D Secure online sicher einzukaufen, getätigte Zahlungen bequem in deiner App nachzuvollziehen oder Daueraufträge einzurichten. Unter unseren Neuheiten gab es auch neue Währungen und frische Kartendesigns. 
</p>
<figure><img src="{asset:3704:url}"></figure>
<p><br></p>
<p>
</p>
<h4>Wir sprechen deine Sprache</h4>
<p>Im Moment könnt ihr mit unserer mehrsprachigen App eure Bankgeschäfte in elf Sprachen erledigen, und demnächst kommen noch mehr dazu: 2019 erweitern wir unsere Sprachenkenntnisse um neue Sprachen. Darüber hinaus bieten wir unseren In-App-Kundendienst in 28 Sprachen an. Falls du uns also kontaktieren möchtest, stehen die Chancen ziemlich gut, dass wir deine Sprache sprechen.</p>
<h4>Monese-Premium für die, die mehr wollen</h4>
<p>Anfang 2018 ist unser Monese-Preisplan um den Premium-Tarif angewachsen. Um ein ausnahmslos komfortables mobiles Banking-Erlebnis und uneingeschränkten Benutzerkomfort zu schaffen, haben wir sämtliche Transaktions- und Wechselkursgebühren abgeschafft. Monese-Premium können wir all jenen wärmstens empfehlen, die viel unterwegs sind, sei es für Arbeits- oder Freizeitzwecke. Egal, ob du drei Monate um die Welt reist oder zwei Wochen Urlaub machst, du musst dir keinen Kopf zerbrechen über Grenzen bei Bargeldabhebungen oder Wechselgebühren. Was das Überweisen größerer Summen ins Ausland angeht, bietet Monese-Premium das beste Preis-Leistungs-Verhältnis. Alle Kosten sind inbegriffen und mit einer monatlichen Gebühr abgedeckt. Der Tarif garantiert ein großartiges Banking-Erlebnis – kosteneffektiv, streissfrei und ohne jegliche Grenzen.
</p>
<figure><img src="{asset:3708:url}"></figure>
<h4>Eine der dynamischsten FinTechs</h4>
<p>Monese zählt zu den am schnellsten wachsenden FinTech-Unternehmen Europas. Das bestätigen uns unsere Investoren, die wir in der jüngsten Finanzierungsrunde gesichert haben. Im September haben wir 60 Millionen Dollar in einer Zusatzfinanzierung von Kinnevik, PayPal, International Airlines Group und Augmentum Fintech abgeschlossen. Dank dieser Investition sind wir in der Lage, den Bereich Produktentwicklung und internationale Expansion weiter auszubauen und schließlich unseren Service für noch mehr Menschen zugänglich zu machen. Unsere Investoren gewähren uns ein unvergleichliches Niveau an Expertise und stehen uns bei der nächsten Wachstumsphase mit ihrer Branchenkompetenz zur Seite. Außerdem wurden wir vor Kurzem von der britischen Sunday Times Fast Track als einer der zehn wichtigsten ‘Disruptors to Watch’ (Anm. d. Red. <em>Neulinge, die es wert sind zu beobachten</em>) in 2018. 
</p>
<h4>Neue Büros</h4>
<p>Vor nicht all zu langer Zeit haben wir zwei neue Büros in Lissabon und Berlin eröffnet. Damit zählen wir zusammen mit den Büros in Großbritannien, Estland, Portugal und Deutschland insgesamt mehr als 200 Mitarbeiter. 
Euer Feedback auf diversen Bewertungsplattformen wie z.B. <a href="https://de.trustpilot.com/review/www.monese.com">Truspilot</a>, wo wir eine Gesamtwertung von 9.1/10 erhalten haben, haben uns sprachlos gemacht. Damit sind wir eine der höchstbewerteten Bank-Services auf der Seite. Doch unsere Freude ist keine Selbstzufriedenheit – die Resonanz, die ihr uns dieses Jahr gegeben habt, ist wirklich wichtig für uns.</p>
<p><br>
</p>
<h2>Das erwartet euch Anfang des Jahres</h2>
<p>Wir arbeiten fleißig an einer Reihe neuer Produkte und Funktionen, die ihr bereits mit Beginn des neuen Jahres in der Monese-App vorfindet.
</p>
<h4>Neue Bezahlkanäle</h4>
<p>Aktuell arbeiten wir daran, neue Bezahlkanäle zu integrieren. In den Gesprächen mit euch haben wir erfahren, dass sich viele von euch die praktische Funktion und das Extra an Sicherheit wünschen.
</p>
<h4>Smartere Optionen, dein Geld zu managen</h4>
<p>Anfang 2019 werden wir außerdem eine Bandbreite an neuen Methoden einführen, mit denen du dein Geld bequemer verwalten kannst. Damit gewinnst du eine noch besere Kontrolle über deine Finanzen mit deiner Monese-App.
</p>
<h4>Mehr Methoden, dein Konto aufzuladen</h4>
<p>Geldeinzahlen auf das Monese-Konto ist bereits mittels Aufladung per Debitkarte, Überweisung oder Bareinzahlung möglich. Englandweit gibt es mehr als 40,000 Standorte, an denen ihr Bargeld auf euer Konto einzahlen könnt. Weitere Einzahlungsmöglichkeiten für Europa kommen demächst hinzu! Außerdem werden wir den Bezahldienst Sofort integrieren, der vor allem in Deutschland und Österreich verbreitet genutzt wird.
</p>
<h4>Wir möchten euch kennenlernen</h4>
<p>Euer Feedback zählt. Deshalb möchten viel mehr Kunden-Events in Europa ausrichten, euch treffen und verstehen, wo es Verbesserungsbedarf gibt. Du hörst auf jeden Falls von uns!
</p>
<figure><img src="{asset:3714:url}"></figure>
<h4><br>Wir stellen ein!</h4>
<p>Eines wissen wir sicher: 2019 wird noch erfolgreicher als 2018. Wir wachsen in jeder Hinsicht, was auch bedeutet, dass wir neue Mitarbeiter einstellen. Wenn du also denkst, dass du genau das hast, wonach wir suchen – oder aber du kennst brilliante Leute, die uns dabei unterstützen möchten, einen intelligenten und global vernetzten Banking-Service zu bilden – dann schaue <a href="https://monese.com/careers">hier</a> nach, welche offenen Stellen wir im Moment haben.<br></p>
<figure><img src="{asset:3707:url}"></figure>
<h4><br>Ein Banking-Service für jedermann</h4>
<p>Bei Monese arbeiten wir daran, den weltweit bestvernetzten mobilen Banking-Service zu bilden. Wir glauben, dass Banking smart und inklusiv sein und sich einzig um dich drehen sollte.<br></p>
<p>Nochmals großen Dank für all die zahlreiche Unterstützung der letzten zwölf Monate, wir schätzen das wirklich sehr. Und wir können es kaum erwarten, mehr Updates, mehr Produkte und mehr Funktionen mit dir in den kommenden Monaten zu teilen.</p>
<p>Wir wünschen dir ein frohes, neues Jahr!</p>

Monese 2019 S

Blog post > Why we can't wait for 2019

Warum wir 2019 kaum erwarten können

Living Wage Employer 02

Monese phone, beach photograph in frame, keys, living wage employer, video game, pacifier, coffee to go mug, groceries, savings in piggy bank

Blog post > We are officially a Living Wage Employer

We are officially a Living Wage Employer

<p>Last week we took part in <a href="https://tallinn.startupweek.co/">Startup Week Tallinn</a> by throwing a #MoneseMeets showcase event at our brand new office in the immensely hip Telliskivi Creative City. The office was so new that we’d only ever held parties there so far!</p>
<p>Almost 200 guests joined us, to get to know our teams and to find out more about the career opportunities we have available.
</p>
<p>The evening was kicked off by Hanna-Mari and Norris, who took the stage to welcome everyone and tell our story. 
</p>

Tallinnmeet1

Blog post > Monese Meets Tallinn Startup Week

Monese Meets Tallinn Startup Week

<p>Fantastische Neuigkeiten - wir wurden nominiert in der Kategorie “Beste Banking App” bei den British Bank Awards 2019!<br></p>
<p>Die Preisträger der <a href="https://smartmoneypeople.com/british-bank-awards">British Bank Awards </a>werden nicht von einer Fachjury ausgewählt. Die Gewinner werden allein von Dir - unserem Kunden - auserkoren. Das ist Deine Chance zu entscheiden, wer die besten Bankdienstleister sind. 
</p>
<p>Unsere Mission ist es, einen Bankservice zu ermöglichen, der sich einzig um Dich dreht. Einen, der Dir dabei hilft, Bankgeschäfte wie ein Einheimischer zu erledigen, egal wo Du bist, egal wohin Du gehst. Deshalb haben wir vor drei Jahren eine App auf Markt gebracht, die einfach zu bedienen ist und erstmals ein Girokonto unterstützt, das kein Adressnachweis erfordert, Deine Sprachen (und Währungen) spricht und absolut mobil in allen 20 europäischen Ländern ist. Ganz zu schweigen von unserem wunderbaren Kundensupport, der durchgehend positiv bewertet wird auf Bewertungsportalen, wie <a href="https://de.trustpilot.com/">Trustpilot</a> und <a href="https://smartmoneypeople.com/">Smart Money People</a>!
</p>
<p>Diese Woche haben wir bereits großartigen Support erhalten, der uns gleichzeitig ehrt und überwältigt - hier sind einige Beispiele: 
</p>
<p><br></p>
<iframe src="https://smartmoneypeople.com/review/widget/109112" frameborder="0" style="width:100%;height:295px;background-color:#FFF"></iframe>
<iframe src="https://smartmoneypeople.com/review/widget/108874" frameborder="0" style="width:100%;height:375px;background-color:#FFF"></iframe>
<p><br></p>
<p>Wenn Du glaubst, dass wir den Titel “Beste Banking App” verdienen, würden wir es sehr schätzen, wenn Du Deine Stimme für uns abgibst. Es lohnt sich auch zu erwähnen, dass Dich der British Bank Award - sofern Du an der Abstimmung teilnimmst - bei einer Verlosung anmeldet, bei der Du 1.000 £ gewinnen kannst!</p>
<p><a href="https://smartmoneypeople.com/british-bank-awards" class="btn btn--one">Stimmt hier ab</a></p>

Wir wurden nominiert in der Kategorie "Beste Banking App" bei den British Bank Awards 2019! Stimme jetzt für uns ab.

Bba 2019 Blog

Monese green ball character bow tie stage paparazzi flashes photography spotlight

Blog post > Vote for us at the British Bank Awards

Stimme für uns bei den British Bank Awards

<p>Der nächste Schritt unserer internationalen Expansion ist getan. In dieser Woche sagen wir Hallo (Olá? Bom dia?) zu Lissabon – ein Magnet für die besten FinTech-Talente in Europa. In der Hauptstadt Portugals haben wir ganz frisch ein neues Büro eröffnet.<br></p>
<p>Damit ist Lissabon neben Tallinn und London unser drittes Zuhause. Unsere neue Aussenstelle wird eine wesentliche Rolle dabei spielen, neue Funktionen zu entwickeln, die ihr mit Sicherheit lieben werdet. Das Team wird auch entscheidend dazu beitragen, anfallende Antwortzeiten zu verkürzen und unsere wachsende Community weiter auszubauen. Zum Ende des Jahres planen wir, 25 neue Moneser zu beschäftigen, die unsere Teams für Softwareentwicklung und Community Management immens unterstützen und voranbringen werden.
</p>
<p>Das Monese-Büro in der portugiesischen Hauptstadt ist eines der großartigen Ergebnisse unserer <a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next">jüngsten Finanzierungsrunde</a>. Denn sie ermöglicht es uns, die besten und glänzendsten Talente einzustellen und unserer Mission nachzugehen, globales Banking für jedermann zugänglich zu machen.
</p>
<p>Du denkst, du hast genau das, wonach wir suchen – oder aber du kennst brilliante Leute, die uns dabei unterstützen wollen, einen intelligenten und global vernetzten Banking-Service zu bilden? Folgende Stellen sind in unserem neuen Büro in Lissabon aktuell offen (Stand 06.03.2019):
</p>
<p><a href="https://monese.workable.com/j/91FB55DE9E?viewed=true">Mobile QA Enigneer</a></p>
<p><a href="https://monese.workable.com/j/20643D8055?viewed=true">Customer Support Agent</a></p>
<p><a href="https://monese.workable.com/j/60280C0769?viewed=true">Product Designer</a></p>
<p><a href="https://monese.workable.com/j/B1514CD75E?viewed=true">Product Analyst</a></p>
<p>Alle Jobangebote findest du <a href="https://monese.com/careers">hier</a>. Até já!
</p>
<p><br></p>

Wir sagen Hallo zu unserem neuen Büro in Lissabon – die Neueröffnung ist der nächste wichtige Schritt in unserer internationalen Expansion.

Unser Büro in Lissabon steht!

Lisbon Blog

Lisbon tram yellow blue background Monese 

Blog post > Our Lisbon office has landed

Rocket 02

Blog post > Announcing our Series B and what comes next

Announcing our Series B and what comes next

We’re thrilled to announce that over 500,000 people have now signed up to Monese! This is a huge milestone in our quest to provide next-generation financial services to the world’s ‘unstoppables’, those whose ambitions take them around the world for work.

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

To give you a bit of perspective, 500,000 is more than:

- 5 times the capacity of London’s Wembley Stadium
- the entire population of the country of Malta
- all of last year’s take-offs and landings at Frankfurt Airport

To mark the occasion, we thought we’d share some insight into how Monesers from across 31 different countries use their accounts...

![Salary Deposits Blog](//images.ctfassets.net/96dxy75w1gjr/4E0arLj7BLYlTSonIAhtEN/27e62f88678f61cba73667b7fcda4c69/Salary_deposits_blog.png)

![Top Mobile](//images.ctfassets.net/96dxy75w1gjr/QCVWEStS34rtuOu5ryHsJ/f465aa2b3d3de080dfa23af8556885ac/top_mobile_180726_160923.png)

![Favourite Supermarket Blog](//images.ctfassets.net/96dxy75w1gjr/1mhWuNarSwvD6qOWxQwBIj/e8ade96a7176ac632727126d42242629/Favourite_supermarket_blog.png)

![Average Countries Blog](//images.ctfassets.net/96dxy75w1gjr/7L9MgwUcbox1iKaRcC5P7z/1b1f66140d317bb34057986f9c3269b7/Average_countries_blog.png)

![Top Country Referrals Blog](//images.ctfassets.net/96dxy75w1gjr/1ehpyStUQtpmLzHjSFA9KU/979edc07f73ecf19aede552836ef678e/Top_country_referrals_blog.png)

![Direct Debits Blog](//images.ctfassets.net/96dxy75w1gjr/6D4o3iBCTT2wxcsiiMey4A/e15b2d55694393dbab58b953ecba64ef/Direct_debits_blog.png)

![Top Phone Blog](//images.ctfassets.net/96dxy75w1gjr/4CwCDOf7zdNOigU81sXkxz/fa461215072eb058fbef6b7e0ae83793/Top_phone_blog.png)

Exceeding 500,000 sign-ups is a feat we’re really proud of - and with this momentous milestone now disappearing rapidly into the rear-view mirror, now seems like a good time to say a great big Monese thank you to all of our customers.

Thank you for your glowing reviews. Thank you for the invaluable user feedback. Thank you for mamaging your money with us - and being the bedrock of everything we do. We couldn’t have done it without each and every one of you lovely Monesers. You’re one in (half) a million.

We’re thrilled to announce a huge new milestone: over 500,000 people have now signed up to Monese!

We’ve hit half a million sign-ups!

Half Million Signups

500 000 Monese ball colourful characters number sign ups celebration 

Neueste Artikel

Unternehmen