Our plans
Find the right one for you
New: Build your credit score without a credit card
Build your credit history and grow your savings with the Monese Credit Builder.
Starter
£0/monthFree and instant account in GBP, EUR and RON.
Great for spending, travelling and sending money abroad.
Classic
£5.95/monthPerfect for your everyday spending.
Lower fees, higher allowances and protection over your bills and purchases (including electronic devices like your phone).
Premium
£14.95/monthGet more of everything!
Our most comprehensive plan, with our lowest fees, highest allowances, maximum insurance and VIP Customer Support.
All features
Payments & transfers | Starter | Classic | Premium |
|---|---|---|---|
Instant Monese to Monese transfers Send money instantly from your Monese account to someone else on Monese | FREE | FREE | FREE |
International transfers Send money abroad from your Monese account at great rates – we support plenty of currencies! | 2.5% fee, additional 1% fee on weekends | From 0.5% fee | FREE |
Local transfers in and out Send and receive money effortlessly in and out of your Monese account in your local currency | FREE | FREE | FREE |
Recurring payments and direct debits Set up Direct Debits and Recurring Payments to go automatically from your account | |||
Credit | |||
Personal loans We help connect you with the best loan provider for your needs | |||
Credit Builder new Build your credit history and improve your rating | £7.95 monthly fee (Rep. APR 28.2%)* | £7.95 monthly fee (Rep. APR 28.2%)* | £7.95 monthly fee (Rep. APR 28.2%)* |
Insurance | |||
Accident, sickness, involuntary unemployment protection | Up to £1,200 | Up to £1,800 | |
Hospital stay | £30 per day up to 30 days | £50 per day for 30 days | |
Purchase protection | Up to £1,000 per claim £2,500 per year Purchase made in last 90 days | Up to £4,000 per claim £10,000 per year Purchase made in last 180 days | |
Cards | |||
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 | FREE | FREE | FREE |
Replacement cards If you need us to send you a new Monese debit card | £9.90 | £4.95 | FREE |
Card spending in foreign currencies If you use your Monese card to spend money abroad | 2% fee | FREE | FREE |
GooglePay / Apple Pay Link your Monese account to Google Pay or Apple Pay | |||
Virtual debit card A card saved virtually to your phone | |||
Cash | |||
ATM withdrawals Withdraw cash in multiple currencies from any ATM worldwide | £1.5 fee | £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 |
Accounts | |||
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 | |||
Joint Accounts with another Monese user Share a joint account, with two separate contactless Monese Mastercard debit cards | FREE | FREE | FREE |
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 to interest-bearing savings accounts Earn interest with Raisin savings products available on the Monese Hub | |||
Access your account with the Monese mobile app and from a desktop computer Access your account safely online at web.monese.com | |||
Support | |||
Multilingual customer support Talk to our team in 14 languages: English, French, German, Brazilian Portuguese, European Portuguese, Bulgarian, Italian, Spanish, Romanian, Polish, Czech, Turkish, Estonian and Lithuanian | |||
Priority customer support access |