Learn about the features on your Monese money account

Here’s everything that comes with your Monese account

Interest-free Credit Builder

For just £2.50 a month (Rep APR 9.10%)*, build your credit history and savings with the help of our Credit Builder for an improved credit score, better value loans and access to other Monese credit products for a secure, financial future.

*Representative APR: The loan, as a part of the Credit Builder service is a 0% interest loan, but in financial jargon the £2.50/month subscription fee relates to a 9.10% APR as that is the cost of your Credit Builder. This is based on a loan amount of £600.

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Automatic Bills Protection and Purchase Protection

Protect the bills and purchases that you pay for through your Monese account, including electronic devices. Join one of our paid plans and your insurance will start today!

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Easy account opening

With our quick, secure and hassle-free sign-up process, opening your instant mobile money account has never been easier. And forget all those extra documents that traditional banks require, like a utility bill, credit check or proof of address. At Monese, we won’t ask you for anything more than your ID when you join.

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Contactless Mastercard debit card

When you open your account, you can order one of our beautifully designed, sleek Monese cards to take with you on the go! Use it in-store, online or at ATMs worldwide.

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Move money faster than ever

Send, request or receive money locally all across the UK, where you can rely on the UK Faster Payments network, with no fees. And it’s totally free to move money between Monese accounts – no matter the currency!

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With Open Banking technology, you can easily link a UK bank account to your Monese app in a few simple steps to view and manage all your money accounts and balances right in your app.

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Send money abroad

Make international transfers at great money-saving exchange rates, quickly and securely.

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Budgeting tools to help you stay on track

It’s easy to stick to your money goals with features like our Spending Overview tool, monthly and weekly budgeting, and instant notifications whenever you spend.

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Save with pots

Our savings pots come with a neat roundup feature to help you save up 10 times more – and you can create up to 10 different pots! Earn interest on your savings with Raisin to help you reach your savings goals even faster – you’ll never struggle to save again.

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State-of-the-art protection

Count on our breakthrough technology to keep your data, money and account secure. With features like biometric login and 3D Secure, rest assured your funds are always safe with our safe money app.

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Monese with Apple Pay

For easier, faster, more secure payments, easily add your Monese card to Apple Pay, for a private and better way to pay.

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Monese with Google Pay

Google Pay is the quick, easy and private way to pay for Android. Have peace of mind when shopping with encrypted security by Google.

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Add money on the spot

Quickly top up your account in more ways than ever: with another debit card, a transfers between Monese accounts, a payment transfer from a linked account or more. Pick whichever works best for you.

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The latest updates

With each app update, we constantly bring you bigger, better and newer features to help you gain more control over your finances.

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