Fees & Limits

Fees

Your Monese Account is subject to the following fees. The fees detailed below relate to the core bundle of services provided to you that are core services in relation to normal use of your Monese Account. Our revenue is generated by the core fees that we charge to you. The other fees are charged to you on an ad hoc basis when certain services are used/required by you on your Monese Account.

1. We’ve set out the fees for your Monese Account below, which detail the core services of normal use of your Monese Account. The fees shown in euros apply if you have a Monese EUR Account, the fees shown in pounds sterling apply if you have a Monese GBP Account and the fees shown in lei apply if you have a Monese RON Account. We generate our revenue from the core fees that we charge to you. The other fees are charged to you when you use certain services on your Monese Account. If you have more than one Monese Account, you’ll only be charged the fees shown below for your Primary Monese Account and not for any other Monese Account you hold alongside.

2. The following fees apply if you’ve opened a Monese Account on or after 1 July 2019 (or if you opened a Monese Account before 1 July 2019 but didn’t choose your current Plan before 1 July 2019). However, if you open your Monese Account on or after 1 August 2020, the Plans and any features of the Plans available to you, including any fees and top-up requirements, may be different to the descriptions in this Agreement depending on the country you live in. Where this is the case, we will send you an email as soon as you have successfully opened your Monese Account, to explain any differences to your Plan, the features of your Plan, including any fees and top-up requirements. This information will also be displayed in your Monese App. If you do not like any of the changes described in the email, you are entitled to close your Monese Account at any time (see section 2.38 for details on closing your Monese Account).

Fees from 01/07/2019

Simple

Core fees
Monthly Fee: Free
Annual Fee: Free
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei - standard delivery fee applies)
Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Outgoing domestic transfers: Free
Outgoing International Payments from the Monese App: Your money is converted at the wholesale exchange rate at no adjustment plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free

Foreign Currency Spend Allowance
Allowance (Monese Card only): £2000 / €2000 / 10,000 lei
Monese Card purchases in Pounds sterling, Euro, Romanian lei and Swedish krona: Free

Monese Card purchases in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including:
Online card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
POS card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Apple Pay/Google Pay transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Fee applicable once Foreign Currency Spend allowance detailed above is exceeded: 2% Per Transaction

ATM & top-up Allowance
The allowance is shared between transaction types mentioned below. The allowance is shared between all of your Monese Accounts: £200 / €200 / 1000 lei
Top-up made via Sofort: Free within allowance
ATM withdrawals worldwide: Free within allowance
Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
Post Office cash load (available for Monese GBP Account only: Excluded from the allowance
PayPoint cash load (available for Monese GBP Account only): Excluded from the allowance
Fee applicable once ATM & top-up allowance detailed above is exceeded: 2% per Transaction

Cash deposits
Post Office cash load (available for Monese GBP Account only): 3.50% (minimum £3)
PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
Top up via Paysafecash (available for Monese EUR and RON Accounts only): 2.5% per Transaction

Other fees
Checking your balance and transactions in-App: Free
Locking and unlocking Monese Card: Free
Money Management Features: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Monese Customer Service: Free

Classic

Core fees
Monthly Fee: £5.95 / €5.95 / 24.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £5.95 / €5.95 in total). After paying your first monthly fee when joining Monese Classic GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
Annual Fee: £49.95 / €49.95 / 205.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £49.95 / €49.95 in total).
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Outgoing domestic transfers: Free
Outgoing International Payments from the Monese App: Your money is converted at the wholesale exchange rate at no adjustment plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum £2 / €2 / 8 lei)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free

Foreign Currency Spend Allowance
Allowance (Monese Card only): £9000 / €9000 / 45,000 lei
Monese Card purchases in Pounds sterling, Euro, Romanian lei and Swedish krona: Free

Monese Card purchases in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including:
Online card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
POS card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Apple Pay/Google Pay transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Fee applicable once Foreign Currency Spend allowance detailed above is exceeded: 2% Per Transaction

ATM & top-up Allowance
The allowance is shared between transaction types mentioned below. The allowance is shared between all of your Monese Accounts: £900 / €900 / 4500 lei
Top-up made via Sofort: Free within allowance
ATM withdrawals worldwide: Free within allowance
Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
Post Office cash load (available for Monese GBP Account only: Free within allowance
PayPoint cash load (available for Monese GBP Account only): Free within allowance
Fee applicable once ATM & top-up allowance detailed above is exceeded: 2% per Transaction

Cash deposits
Post Office cash load (available for Monese GBP Account only): Included in ATM & top-up Allowance
PayPoint cash load (available for Monese GBP Account only): Included in ATM & top-up Allowance
Top up via Paysafecash (available for Monese EUR and RON Accounts only): Included in the allowance, after 2% (€2 / 10 lei minimum fee applies)

Other fees
Checking your balance and transactions in-App: Free
Locking and unlocking Monese Card: Free
Money Management Features: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Monese Customer Service: Free

Premium

Core fees
Monthly Fee: £14.95 / €14.95 / 69.95 lei for using any number of Monese Accounts (for example if you hold a Monese Premium GBP Account and Monese Premium EUR Account as well, you’ll only pay £14.95 / €14.95 in total). After paying your first monthly fee when joining Monese Premium GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
Annual Fee: £124.95 / €124.95 / 585.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £124.95 / €124.95 in total).
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free Free (free standard delivery)
Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
Card replacement (in case of being lost/stolen or expired): Free (free standard delivery)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Outgoing domestic transfers: Free
Outgoing International Payments from the Monese App: Your money is converted at the wholesale exchange rate at no adjustment
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free

Foreign Currency Spend Allowance
Allowance (Monese Card only): Unlimited allowance
Monese Card purchases in Pounds sterling, Euro, Romanian lei and Swedish krona: Free

Monese Card purchases in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including:
Online card transactions in currency different to account currency: Free - Mastercard wholesale exchange rate
POS card transactions in currency different to account currency: Free - Mastercard wholesale exchange rate
Apple Pay/Google Pay transactions in currency different to account currency: Free - Mastercard wholesale exchange rate
Fee applicable once Foreign Currency Spend allowance detailed above is exceeded: n/a

ATM & top-up Allowance
The allowance is shared between transaction types mentioned below. The allowance is shared between all of your Monese Accounts: Unlimited allowance
Top-up made via Sofort: Free
ATM withdrawals worldwide: Free
Cashback cash withdrawal in store (available for Monese GBP Account only): Free
Post Office cash load (available for Monese GBP Account only: Free
PayPoint cash load (available for Monese GBP Account only): Free
Fee applicable once ATM & top-up allowance detailed above is exceeded: n/a

Cash deposits
Post Office cash load (available for Monese GBP Account only): Free
PayPoint cash load (available for Monese GBP Account only): Free
Top up via Paysafecash (available for Monese EUR and RON Accounts only): Free

Other fees
Checking your balance and transactions in-App: Free
Locking and unlocking Monese Card: Free
Money Management Features: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Monese Customer Service: Free Priority Service

Joint Account

Core fees
Monthly Fee: Free
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 standard delivery fee applies)
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (€4.95 standard delivery fee applies)
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (19.95 lei standard delivery fee applies)
Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Outgoing domestic transfers: Free
Outgoing International Payments from the Monese App: Your money is converted at the wholesale exchange rate at no adjustment plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free
Foreign Currency Spend Allowance (Monese Card only): £2000 / €2000 / 10,000 lei
Monese Card purchases in Pounds sterling, Euro, Romanian lei and Swedish krona: Free
Monese Card purchases in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including: __ __
Online card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
POS card transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Apple Pay/Google Pay transactions in currency different to account currency: Free within allowance Mastercard wholesale exchange rate
Fee applicable once Foreign Currency Spend allowance detailed above is exceeded: 2% Per Transaction
ATM & top-up Allowance. The allowance is shared between transaction types mentioned below. The allowance is shared between all of your Monese Accounts: £200 / €200 / 1000 lei
Top-up made via Sofort: Free within allowance
ATM withdrawals worldwide: Free within allowance
Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
Post Office cash load (available for Monese GBP Account only: Excluded from the allowance
PayPoint cash load (available for Monese GBP Account only): Excluded from the allowance
Fee applicable once ATM & top-up allowance detailed above is exceeded: 2% per Transaction

Cash deposits
Post Office cash load (available for Monese GBP Account only): 3.50% (minimum £3)
PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
Top up via Paysafecash (available for Monese EUR and RON Accounts only): 2.5% per Transaction

Other fees
Checking your balance and transactions in-App: Free
Locking and unlocking Monese Card: Free
Money Management Features: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Monese Customer Service: Free

Fees before 01/07/2019

Starter

Core fees
Monthly Fee: Free
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (€4.95 / £4.95 delivery fee applies)
Real time transfers between Monese Accounts: Free (subject to 1% currency exchange fee applied on top of wholesale rate)
Domestic and global transfers: Free (subject to currency exchange fee, please see below)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free (subject to currency exchange fee – see below)
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free
Sofort top-up: Free
Top-up via Paysafecash (available for Monese EUR and RON Accounts only): 2.5% per Transaction (€2.5 / 12 lei minimum fee applies)
ATM withdrawals: €1.5 / £1.5 / 6 lei per ATM withdrawal (subject to currency exchange fees – see below)
Cashback cash withdrawal in store (available for Monese GBP Account only): Free
Checking your balance and transactions in-App: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Locking and unlocking Monese Card: Free
Monese Customer Service: Free
Post Office cash load (available for Monese GBP Account only: 3.50% (minimum £3)
PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)

Other fees
Additional/lost/family physical Monese card: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Money Management Features: Free
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions in Pounds sterling, Euro, Romanian lei and Swedish krona): Mastercard wholesale exchange rate
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 2% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)
Currency exchange on outgoing international payments from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum €2 / £2 / 8 lei)

Plus

Core fees
Monthly Fee: €4.95 / £4.95 / 19.95 lei for using any number of Monese Accounts (for example if you hold a Monese Plus Account and Monese Plus EUR Account as well, you’ll only pay €4.95 in total). After paying your first monthly fee when joining Monese Plus, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Domestic and global transfers: Free (subject to currency exchange fee, please see below)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free (subject to currency exchange fee – see below)
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free
Sofort top-up: Free
Top-up via Paysafecash (available for Monese EUR and RON Accounts only): €2.5 / 12 lei per Transaction
ATM withdrawals: 6 free transactions in your monthly fee period from all your Monese Accounts combined (€1.5 / £1.5 / 6 lei per withdrawal from 7th transaction. Subject to currency exchange fees – see below).
Cashback cash withdrawal in store (available for Monese GBP Account only): Free
Checking your balance and transactions in-App: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Locking and unlocking Monese Card: Free
Monese Customer Service: Free
Post Office cash load (available for Monese GBP Account only: £1
PayPoint cash load (available for Monese GBP Account only): 2.50% (minimum £1)

Other fees
Additional/lost/family physical Monese card: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Money Management Features: Free
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions in Pounds sterling, Euro, Romanian lei and Swedish krona): Mastercard wholesale exchange rate plus 0.5% of the transaction value
Currency exchange on outgoing international payments from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum €2 / £2 / 8 lei )

Premium

Core fees
Monthly Fee: €14.95 / £14.95 / 69.95 lei for using any number of Monese Accounts (for example if you hold a Monese Premium Account and Monese Premium EUR Account as well, you’ll only pay €14.95 in total). After paying your first monthly fee when joining Monese Premium, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
Real time transfers between Monese Accounts: Free (no currency exchange fee applied)
Domestic and global transfers: Free
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free
Sofort top-up: Free
Top-up via Paysafecash (available for Monese EUR and RON Accounts only): Free
ATM withdrawals: Free
Cashback cash withdrawal in store (available for Monese GBP Account only): Free
Checking your balance and transactions in-App: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Locking and unlocking Monese Card: Free
Monese Customer Service: Free Priority Service
Post Office cash load (available for Monese GBP Account only: Free
PayPoint cash load (available for Monese GBP Account only): Free

Other fees
Additional/lost/family physical Monese card: Free
Money Management Features: Free
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions in Pounds sterling, Euro, Romanian lei and Swedish krona): Mastercard wholesale exchange rate
Currency exchange on outgoing international payments from the Monese App: Your money is converted at the wholesale exchange rate

Joint Account

Core fees
Monthly Fee: Free
Monese Account Opening: Free
Closing your Monese Account: Free
Issuance of Virtual Monese Card: Free
First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (€4.95 / £4.95 delivery fee applies)
Real time transfers between Monese Accounts: Free (subject to 1% currency exchange fee applied on top of wholesale rate)
Domestic and global transfers: Free (subject to currency exchange fee, please see below)
Direct Debit: Free
Apple/Google pay: Free
Purchases with Monese Card in card currency: Free (subject to currency exchange fee – see below)
Incoming bank transfer: Free
EU Customer Debit Card top-up: Free
International Debit Card top-up: Free
Sofort top-up: Free
Top-up via Paysafecash (available for Monese EUR and RON Accounts only): 2.5% per Transaction (€2.5 / 12 lei minimum fee applies)
ATM withdrawals: €1.5 / £1.5 / 6 lei per ATM withdrawal (subject to currency exchange fees – see below)
Cashback cash withdrawal in store (available for Monese GBP Account only): Free
Checking your balance and transactions in-App: Free
E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
Locking and unlocking Monese Card: Free
Monese Customer Service: Free
Post Office cash load (available for Monese GBP Account only: 3.50% (minimum £3)
PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)

Other fees
Additional/lost/family physical Monese card: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
Money Management Features: Free
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions in Pounds sterling, Euro, Romanian lei and Swedish krona): Mastercard wholesale exchange rate
Currency exchange on using the Monese Card for ATM withdrawals and Foreign Currency Transactions other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 2% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)
Currency exchange on outgoing international payments from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum €2 / £2 / 8 lei)

Limits

Monese GBP Account

MONESE ACCOUNT LIMITS IF YOU CHOOSE TO OPEN A MONESE GBP ACCOUNT

When applying for a Monese GBP Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below. If you’re applying for a Monese GBP Account on or after 1 July 2019 (or you opened your Monese GBP Account but didn’t choose a Plan before 1 July 2019), you can choose between the Simple, Classic and Premium Plans. You can change between your Plan at any time. (If you applied for a Monese GBP Account and chose a Plan before 1 July 2019, you would’ve been able to choose from the Starter, Plus and Premium Plans in the Monese App). You can choose to apply for a Monese Joint Account with another person (see section 3 of this Agreement for details on Monese Joint Accounts) once you’ve opened a Simple, Classic, or Premium account.

Simple (Starter before 01/07/19)

Limits
Monese Account Maximum Balance: £ 40,000
Cash top-up via Post Office Per transaction: Min £5, Max £250
Cash top-up via PayPoint Per transaction: Min n/a, Max £249
Cash top-up via PayPoint Per day: Min n/a, Max £500
Cash top-up via PayPoint Per week: Min n/a, Max £1,300
Cash top-up via PayPoint Per month (30 days): Min n/a Max £1,300
Top up via debit card Daily: Min £10 Max £500(total of 2 top-ups)
Top up via debit card Monthly: Min £10 Max £1,500(total of 10 top-ups)
Incoming UK Faster Payment Per Transaction: Min n/a Max £40,000
Incoming UK Faster Payment Per Day: Min n/a Max £40,000
Incoming UK BACS Payment Per Transaction: Min n/a Max £40,000
Incoming UK BACS Payment Per Day: Min n/a Max £40,000
Card Purchases Per Transaction: Max £4,000
Card Purchases Per Day: Max £7,000
Cash Withdrawal ATM Per Day: Max £300
Outgoing UK Faster Payment Per Day: Max £40,000
Outgoing UK Direct Debit Payment Per Day: Max £40,000

Classic (Plus before 01/07/19)

Limits
Monese Account Maximum Balance: £ 40,000
Cash top-up via Post Office Per transaction: Min £5 Max £250
Cash top-up via PayPoint Per transaction: Min n/a Max £249
Cash top-up via PayPoint Per day: Min n/a Max £500
Cash top-up via PayPoint Per week: Min n/a Max £1,300
Cash top-up via PayPoint Per month (30 days): Min n/a Max £1,300
Top up via debit card Daily: Min £10 Max £500(total of 2 top-ups)
Top up via debit card Monthly: Min £10 Max £1,500(total of 10 top-ups)
Incoming UK Faster Payment Per Transaction: Min n/a Max £40,000
Incoming UK Faster Payment Per Day: Min n/a Max £40,000
Incoming UK BACS Payment Per Transaction: Min n/a Max £40,000
Incoming UK BACS Payment Per Day: Min n/a Max £40,000
Card Purchases Per Transaction: Max £4,000
Card Purchases Per Day: Max £7,000
Cash Withdrawal ATM Per Day: Max £300
Outgoing UK Faster Payment Per Day: Max £40,000
Outgoing UK Direct Debit Payment Per Day: Max £40,000

Premium

Limits
Monese Account Maximum Balance: £ 40,000
Cash top-up via Post Office Per transaction: Min £5 Max £250
Cash top-up via PayPoint Per transaction: Min n/a Max £249
Cash top-up via PayPoint Per day: Min n/a Max £500
Cash top-up via PayPoint Per week: Min n/a Max £1,300
Cash top-up via PayPoint Per month (30 days): Min n/a Max £1,300
Top up via debit card Daily: Min £10 Max £500(total of 2 top-ups)
Top up via debit card Monthly: Min £10 Max £1,500(total of 10 top-ups)
Incoming UK Faster Payment Per Transaction: Min n/a Max £40,000
Incoming UK Faster Payment Per Day: Min n/a Max £40,000
Incoming UK BACS Payment Per Transaction: Min n/a Max £40,000
Incoming UK BACS Payment Per Day: Min n/a Max £40,000
Card Purchases Per Transaction: Max £4,000
Card Purchases Per Day: Max £7,000
Cash Withdrawal ATM Per Day: Max £300
Outgoing UK Faster Payment Per Day: Max £40,000
Outgoing UK Direct Debit Payment Per Day: Max £40,000

Joint Account

Limits
Monese Account Maximum Balance: £ 40,000
Cash top-up via Post Office Per transaction: Min £5, Max £250
Cash top-up via PayPoint Per transaction: Min n/a, Max £249
Cash top-up via PayPoint Per day: Min n/a, Max £500
Cash top-up via PayPoint Per week: Min n/a, Max £1,300
Cash top-up via PayPoint Per month (30 days): Min n/a Max £1,300
Top up via debit card Daily: Min £10 Max £500(total of 2 top-ups)
Top up via debit card Monthly: Min £10 Max £1,500(total of 10 top-ups)
Incoming UK Faster Payment Per Transaction: Min n/a Max £40,000
Incoming UK Faster Payment Per Day: Min n/a Max £40,000
Incoming UK BACS Payment Per Transaction: Min n/a Max £40,000
Incoming UK BACS Payment Per Day: Min n/a Max £40,000
Card Purchases Per Transaction: Max £4,000
Card Purchases Per Day: Max £7,000
Cash Withdrawal ATM Per Day: Max £300
Outgoing UK Faster Payment Per Day: Max £40,000
Outgoing UK Direct Debit Payment Per Day: Max £40,000

Monese EUR Account

MONESE ACCOUNT LIMITS IF YOU CHOOSE TO OPEN A MONESE EUR ACCOUNT

When applying for a Monese EUR Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below. If you’re applying for a Monese EUR Account on or after 1 July 2019 (or you opened your Monese EUR Account but didn’t choose a Plan before 1 July 2019), you can choose between the Simple, Classic and Premium Plan. You can change between your Plan at any time. (If you applied for a Monese EUR Account and chose a Plan before 1 July 2019, you would’ve been able to choose from the Starter, Plus and Premium Plans in the Monese App).

Simple (Starter before 01/07/19)

Limits
Monese Account Maximum Balance: €50,000
Incoming SEPA Transfer Per transaction: Min n/a Max €50,000
Incoming SEPA Transfer Per day: Min n/a Max €50,000
Card Purchases Per Transaction: Max €4,000
Card Purchases Per Day: Max €7,000
Cash Withdrawal ATM Per Day: Max €750
Cash Withdrawal ATM Per Month: Max €7,500
Outgoing SEPA Transfers Per Day: Max €50,000
Outgoing SEPA Direct Debit payment Per Day: Max €50,000
Top up via Debit card Daily: Min €10 Max €500 (total of 2 top ups)
Top up via Debit card Monthly: Min €10 Max €1,500(total of 10 top ups)
Top up via Sofort Daily (24 hour rolling): Min €10 Max €500
Top up via Sofort Monthly (30 day rolling): Min €10 Max €1,500
Top up via Paysafecash Daily: Min €10 Max €500
Top up via Paysafecash Monthly: Min €10 Max €1,000
Top up via Paysafecash Annual: Min €10 Max €5,000

Classic (Plus before 01/07/19)

Limits
Monese Account Maximum Balance: €50,000
Incoming SEPA Transfer Per transaction: Min n/a Max €50,000
Incoming SEPA Transfer Per day: Min n/a Max €50,000
Card Purchases Per Transaction: Max €4,000
Card Purchases Per Day: Max €7,000
Cash Withdrawal ATM Per Day: Max €750
Cash Withdrawal ATM Per Month: Max €7,500
Outgoing SEPA Transfers Per Day: Max €50,000
Outgoing SEPA Direct Debit payment Per Day: Max €50,000
Top up via Debit card Daily: Min €10 Max €500 (total of 2 top ups)
Top up via Debit card Monthly: Min €10 Max €1,500(total of 10 top ups)
Top up via Sofort Daily (24 hour rolling): Min €10 Max €500
Top up via Sofort Monthly (30 day rolling): Min €10 Max €1,500
Top up via Paysafecash Daily: Min €10 Max €500
Top up via Paysafecash Monthly: Min €10 Max €1,000
Top up via Paysafecash Annual: Min €10 Max €5,000

Premium

Limits
Monese Account Maximum Balance: €50,000
Incoming SEPA Transfer Per transaction: Min n/a Max €50,000
Incoming SEPA Transfer Per day: Min n/a Max €50,000
Card Purchases Per Transaction: Max €4,000
Card Purchases Per Day: Max €7,000
Cash Withdrawal ATM Per Day: Max €750
Cash Withdrawal ATM Per Month: Max €7,500
Outgoing SEPA Transfers Per Day: Max €50,000
Outgoing SEPA Direct Debit payment Per Day: Max €50,000
Top up via Debit card Daily: Min €10 Max €500 (total of 2 top ups)
Top up via Debit card Monthly: Min €10 Max €1,500(total of 10 top ups)
Top up via Sofort Daily (24 hour rolling): Min €10 Max €500
Top up via Sofort Monthly (30 day rolling): Min €10 Max €1,500
Top up via Paysafecash Daily: Min €10 Max €500
Top up via Paysafecash Monthly: Min €10 Max €1,000
Top up via Paysafecash Annual: Min €10 Max €5,000

Joint Account

Limits
Monese Account Maximum Balance: €50,000
Incoming SEPA Transfer Per transaction: Min n/a Max €50,000
Incoming SEPA Transfer Per day: Min n/a Max €50,000
Card Purchases Per Transaction: Max €4,000
Card Purchases Per Day: Max €7,000
Cash Withdrawal ATM Per Day: Max €750
Cash Withdrawal ATM Per Month: Max €7,500
Outgoing SEPA Transfers Per Day: Max €50,000
Outgoing SEPA Direct Debit payment Per Day: Max €50,000
Top up via Debit card Daily: Min €10 Max €500 (total of 2 top ups)
Top up via Debit card Monthly: Min €10 Max €1,500(total of 10 top ups)
Top up via Sofort Daily (24 hour rolling): Min €10 Max €500
Top up via Sofort Monthly (30 day rolling): Min €10 Max €1,500
Top up via Paysafecash Daily: Min €10 Max €500
Top up via Paysafecash Monthly: Min €10 Max €1,000
Top up via Paysafecash Annual: Min €10 Max €5,000

Monese RON Accounts

MONESE ACCOUNT LIMITS IF YOU CHOOSE TO OPEN A MONESE RON ACCOUNT

When applying for a Monese RON Account, you can choose between the Simple, Classic and Premium Plans in the Monese App and find the full Monese Account Limits in the table below.

Simple

Limits
Monese Account Maximum Balance: 150,000 lei
Top up via Debit card Daily: Min 50 lei Max 2,500 lei (total of 2 top-ups)
Top up via Debit card Monthly: Min 50 lei Max 7,500 lei (total of 10 top-ups)
Transfond payment Per Transaction: Min n/a Max 49,999 lei
Transfond payment Per Day: Min n/a Max 49,999 lei
Card Purchases Per Transaction: Max 20,999 lei
Card Purchases Per Day: Max 35,000 lei
Cash withdrawal via ATM Per Day: Max 1,500 lei
Top up using via Paysafecash Per Day: Min 50 lei Max 2,500 lei
Top up using via Paysafecash Monthly: Min 50 lei Max 5,000 lei
Top up using via Paysafecash Annual: Min 50 lei Max 25,000 lei

Classic

Limits
Monese Account Maximum Balance: 150,000 lei
Top up via Debit card Daily: Min 50 lei Max 2,500 lei (total of 2 top-ups)
Top up via Debit card Monthly: Min 50 lei Max 7,500 lei (total of 10 top-ups)
Transfond payment Per Transaction: Min n/a Max 49,999 lei
Transfond payment Per Day: Min n/a Max 49,999 lei
Card Purchases Per Transaction: Max 20,999 lei
Card Purchases Per Day: Max 35,000 lei
Cash withdrawal via ATM Per Day: Max 1,500 lei
Top up using via Paysafecash Per Day: Min 50 lei Max 2,500 lei
Top up using via Paysafecash Monthly: Min 50 lei Max 5,000 lei
Top up using via Paysafecash Annual: Min 50 lei Max 25,000 lei

Premium

Limits
Monese Account Maximum Balance: 150,000 lei
Top up via Debit card Daily: Min 50 lei Max 2,500 lei (total of 2 top-ups)
Top up via Debit card Monthly: Min 50 lei Max 7,500 lei (total of 10 top-ups)
Transfond payment Per Transaction: Min n/a Max 49,999 lei
Transfond payment Per Day: Min n/a Max 49,999 lei
Card Purchases Per Transaction: Max 20,999 lei
Card Purchases Per Day: Max 35,000 lei
Cash withdrawal via ATM Per Day: Max 1,500 lei
Top up using via Paysafecash Per Day: Min 50 lei Max 2,500 lei
Top up using via Paysafecash Monthly: Min 50 lei Max 5,000 lei
Top up using via Paysafecash Annual: Min 50 lei Max 25,000 lei