Keeping you safe from fraud

Your security is our number one priority. That’s why we want to help you learn how you can protect yourself, your data, your account and your money, plus any red flags to watch out for.

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Tips to keep your Monese account protected

  • Set a strong passcode

    Set a strong passcode

    Your passcode is your personal key to your Monese account — don’t share it with anyone, and make sure it's a passcode you don’t use for anything else

  • Use Privacy Mode

    Use Privacy Mode

    Keep your balance and transaction amounts private by opening your app in Privacy Mode when out in public

  • Pay with your phone

    Pay with your phone

    Keep your card and its details safely in your pocket by paying contactless with your phone or smartwatch

  • Lock your card

    Lock your card

    When not in use, keep your card locked and easily unlock it in-app when you need to

  • Check transactions

    Check transactions

    Watch out for abnormalities like double charges, missing refunds or unauthorised spending

  • Update your app and phone

    Update your app and phone

    Doing so will ensure you have the latest protection installed to keep your account and app safe

  • Keep your details private

    Keep your details private

    Refrain from posting sensitive information on social media such as account details, documents, passcodes, email addresses, phone numbers or anything that may compromise your account

Common scams

Common scams

Here’s a list of just some of the scams making the rounds recently, plus information on ways you can protect yourself and your money.

Important things to remember

Transfer Money

We will never call or email asking you to transfer money to another account

Social Media

We’ll never use social media to contact you about your account or ask for any details about it

Social Media

We’ll never ask for your full card number, expiration date, CVV or PIN code, your app passcode, security codes you receive via SMS or any personal passwords

Official Monese media channels

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    To make sure you’re on our real website, be sure to inspect the link carefully. Note that all of our web pages are on the monese.com domain only (this includes subdomains like support.monese.com).

    You can now also log in to Monese from your desktop, via web.monese.com. It’s important to be aware, however, that we do have affiliate partners too. If you happen to come across one of them, make sure that any links always lead back to monese.com or our apps on Google Play, the App Store or AppGallery.

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    You can find us on Glassdoor. For Facebook, Twitter and Instagram, watch out for the verification badges to know it’s us (the checkmark next to our name).

    These are our official (and only) social media pages:

Built-in security features to keep you safe

  • Biometric login

    Biometric login

    Log in to your app securely using Face ID, Touch ID or Fingerprint Scanner

  • Multi-factor encryption and authentication protocols

    Multi-factor encryption and authentication protocols

    We ask for a government-issued ID featuring your photo plus a short video of yourself to protect you from identity fraud when you join Monese

  • 3D Secure

    3D Secure

    Feel secure when shopping online with a one-time password sent via SMS at checkout to protect you from falling victim to card fraud

  • Single-phone access

    Single-phone access

    You can only sign in to your account from one mobile device at a time, stopping anyone else from having access to your money

  • Lock and unlock your card

    Lock and unlock your card

    If you misplace your card, lock your card instantly in-app to stop anyone else from using it

  • Real-time notifications

    Real-time notifications

    Get instant notifications whenever there’s any movement on your card so you can spot anomalies sooner

  • Go virtual

    Go virtual

    Get an extra layer of protection when making transactions and keep your card details safe by using a virtual card

  • Protection 24/7

    Protection 24/7

    Monitoring of our state-of-the-art tech infrastructure happens around the clock

  • Apple Pay and Google Pay

    Apple Pay and Google Pay

    Add your Monese card to Apple Pay or Google Pay for added encryption and multilayered security

  • Protect yourself when paying someone new

    Protect yourself when paying someone new

    When you pay someone new in the app, we’ll ask you to follow a few extra steps. We’ll also help you avoid common scams by reminding you what to look out for

Trust CIFAS

We’re proud members of CIFAS. We’re part of the fight against fraud, along with the country’s biggest banking services.

UNI Security > Trust CIFAS

Take Five to stop fraud

Take Five is a national UK campaign that offers straightforward and impartial advice to help people protect themselves from preventable financial fraud.

Take Five urges everyone to stop and consider whether a situation is genuine – to stop and think if what you’re being told makes sense. Stop. Challenge. Protect.

Learn more

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Steps to take if you’ve fallen for a scam

Steps to take if you’ve fallen for a scam

  • Lock your card

    Lock your card

    Do this immediately right from your app to avoid any further questionable use of your card or information

  • Contact our Support team

    Contact our Support team

    Via our in-app chat or email at fraudhelp@monese.com, write to us to let us know you’ve been a victim of fraud and provide us with the transaction details and information on what happened

  • Report

    Report

    Each country has its own official authority for reporting cybercrime and fraud — in the UK, for example, you can report your situation to Action Fraud


Get more help

  • Action Fraud

    Action Fraud is the UK’s national reporting centre for fraud and cyber crime where you should report fraud if you have been scammed, defrauded or experienced cyber crime.

    Action Fraud website
  • Commissariato di P.S. online

    If you’re in Italy, you can head over to the Commissariato di P.S. online for immediate answers in real-time to help you avoid falling for scams on the web.

    Commissariato di P.S. online website
  • AEECF

    The Asociación de empresas españolas contra el Fraude offers guidance on how to protect yourself, avoid fraud and what can be done if you fall for a scam in Spain.

    AEECF website
  • Polizeiliche Kriminalprävention

    Offered by the federal police in Germany, get information on how to avoid and what to do in the event of certain scams.

    Polizeiliche Kriminalprävention website
  • Centrul Național de Răspuns la Incidente de Securitate Cibernetică

    The Romanian national cyber security and incident response team offers guidelines on preventing cybercrime and scam awareness on subjects like malware on mobiles and fake technical support.

    Centrul Național de Răspuns la Incidente de Securitate Cibernetică website

You might also like

Here are some other blog posts you may find useful to help you keep safe while using your Monese account both online and offline.

Keeping your Monese account protected

Did you know there are things you can do yourself to stay protected? We want to share some tips with you to help you do just that.

Shop and pay securely online or in-store

At Monese, it’s important that we keep your account and money safe from fraud and illicit activity. One of the ways we do this is by offering all kinds of safe ways to make transactions that keep your account details protected.

Top 10 tips to spot a fake website

With Black Friday officially here, the holiday shopping season is under way! And as many of us are confined to doing all our shopping online this year due to Covid-19 restrictions, it’s important to stay extra vigilant of the websites we’re surfing and purchasing from.