Our plans

Find the right one for you

Step 1

New: Build your credit score without a credit card

Build your credit history and grow your savings with the Monese Credit Builder.

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    Free and instant account in GBP, EUR and RON.

    Great for spending, travelling and sending money abroad.

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    Perfect for your everyday spending.

    Lower fees and higher allowances

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    Get more of everything!

    Our most comprehensive plan, with our lowest fees and VIP Customer Support.

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All features

Payments & transfers

Simple ClassicPremium
Instant Monese to Monese transfers

Send money instantly from your Monese account to someone else on Monese




International transfers

Send money abroad from your Monese account at great rates – we support plenty of currencies!

2% fee, additional 1% fee on weekends

(Subject to currency exchange fee)

From 0.5% fee

(Subject to currency exchange fee)


(Subject to currency exchange fee)

Local transfers in and out

Send and receive money effortlessly in and out of your Monese account in your local currency

Inbound - FREE

Outbound - £1 per transfer



Recurring payments and direct debits

Set up Direct Debits and Recurring Payments to go automatically from your account


Personal loans

We help connect you with the best loan provider for your needs

*Representative example: The loan, as a part of the Credit Builder service is a 0% interest loan, but in financial jargon the 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.


Accident, sickness, involuntary unemployment protection
Hospital stay
Purchase protection


Contactless debit card

Pay online and in-store with a debit card linked to your Monese app

Standard card

Holographic edging

Premium card

First card delivery

We’ll send a debit card safely to your home address




Replacement cards

If you need us to send you a new Monese debit card




Card spending in foreign currencies

If you use your Monese card to spend money abroad

2% per transaction

0.5% per transaction


GooglePay / Apple Pay

Link your Monese account to Google Pay or Apple Pay

Virtual debit card

A card saved virtually to your phone

£0.30 per card

Debit card top-ups

Instantly top up your account with any Visa or Mastercard debit card

1% per top-up




ATM withdrawals

Withdraw cash in multiple currencies from any ATM worldwide

2% per withdrawal

£500 FREE monthly

£1,500 FREE monthly

Cash top-ups

Add money to your Monese account with cash at the Post Office and PayPoint locations across the UK

3.5% fee

£400 FREE monthly

£1,000 FREE monthly


Account in GBP, EUR and/or RON
PayPal account integration

Link your PayPal account and view your PayPal transactions and account in your Monese app

Avios account integration

Link your Avios account to your Monese app to collect Avios every time you pay with Monese

Joint Accounts with another Monese user

Share a joint account, with two separate contactless Monese Mastercard debit cards




Money pots with round-up feature

Set money aside in a separate pot and round up spare change from transactions by 10x to send to a designated pot

Access your account with the Monese mobile app

Access your account safely online


Multilingual customer support

Talk to our team in 15 languages: English, French, German, Brazilian Portuguese, European Portuguese, Bulgarian, Italian, Spanish, Romanian, Polish, Czech, Turkish, Estonian, Lithuanian and Ukrainian

Priority customer support access