Security is at the heart of what we do

The safety of your account, money and data is our number one priority

Protect the real you

We work to protect you from identity fraud when you join Monese. So that we know it’s really you, we ask for a government-issued ID featuring your photo, plus a short video of yourself.

UNI Security > Protect the real you

Breakthrough technology

With advanced engineering and innovative technology, you can rest assured that your funds are safeguarded and your personal information is protected.

UNI Security > Bank on breakthrough technology

Your face and fingers are your passcodes

Securely log in to your app using Face ID, Touch ID or Fingerprint Scanner. With our biometric login and strong multi-factor encryption and authentication protocols, count on a secure mobile money account.

UNI Security > Your face is your passcode Image

3D Secure for extra peace of mind

Stay safe when shopping online with an extra layer of security. With 3D Secure, you’ll enter a one-time password sent via SMS at checkout to protect you from falling victim to card fraud.

EN Security > Shop with 3D Secure

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. To authorise a new device, we’ll ask you to go through a secure multi-factor authentication process.

UNI Security > Trust single-phone access

Lock and unlock your card

If you lose your card, you can block your card in-app instantly to stop anyone else from using it.

UNI Security > Lock and unlock your card

See real-time notifications

Get instant notifications every time you spend with your card, receive money, when your balance is low or for anything else on your Monese account.

EN Security > See real-time notifications GBP

Go virtual

Your in-app virtual card has its own unique 16-digit card number (different from your physical card) that guarantees you an extra layer of security when shopping.

EN Go virtual

Feel protected 24/7

We monitor our state-of-the-art tech infrastructure around the clock — that’s 24 hours a day, 7 days a week.

UNI Security > Feel protected 247

Count on security

To keep your payments secure and private, we use Apple Pay’s Touch ID and Face ID biometric recognition, and Google Pay’s added encryption and multilayered security.

UNI Security > Count on security


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

Logo - Monese - Fraud