Instant account opening

No proof of address, no minimum amount needed to open

UNI Card > spend in style
UNI Card > spend in style

Sign up for an instant account

Download the app today to start spending and sending with Monese.

Open your digital money account instantly

Our quick mobile money account opening and easy online sign-up process will have you up and running in minutes. You’ll have full access to your instant account and the money you add to it in no time.

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Spend and send like a local

Get multi-currency account details in GBP, EUR and RON for a better and more localised experience. Instantly transfer money between your Monese accounts for free.

EN Instant accounts Image > Spend, send and save like a local GBP

Order your contactless card

You’ll get your very own, beautifully designed contactless Mastercard debit card to use worldwide — online, in-store or at ATMs — with no hidden fees.

UNI Instant accounts Image > Order your contactless card

No address? No problem

All you need is a photo ID and selfie to join. You can open an account with us if you live in any of the 30 countries in the European Economic Area or the UK.

UNI Instant accounts > No address No problem

Make fast local payments

Use your instant-access account to make instant local payments via the UK Faster Payments network. Send and receive like a true local!

EN Instant accounts > Make fast local paytments GBP

Send money home

Move money internationally at great rates in 19 currencies. Get your money there faster and always at the real exchange rate, which often works out better than sending with traditional banks!

EN Instant accounts Image > Send money home GBP

Travel with us

Take your instant account and card on holiday! Use Monese anywhere in the world when travelling, with generous allowances for spending or withdrawing abroad.

EN Instant accounts > Travel with us GBP

Manage your money better

With advanced features like spending overviews, budgeting tools, transaction details, instant notifications and downloadable statements, it’s easy to stay on top of your spending.

EN Instant accounts > Manage your money better GBP

Stay safe and secure

Rest easy knowing that your instant account is fully protected. It’s secured by biometric login and authentication protocols like 3D Secure, protecting you both online and in-store.

UNI Instant accounts > Stay safe and secure

Instant account FAQs

Want to know more about our instant accounts? We answer some common questions below. You can check our other FAQs or speak to our multilingual Support team if you need anything else.

  • What is an instant account?

  • How is a Monese instant account different from a regular bank account?

  • What is a multi-currency account?

  • What currencies can I open a Monese instant account in?

  • Who can open an instant account?

  • What are the benefits of a Monese instant account?