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A digital savings account is somewhere you can put your money so it can grow in value. Most savings accounts have an interest rate, which tells you how much you’ll make on your savings over time. You may see these accounts referred to as digital regular savers too.

At Monese we offer what are called pots. These are connected to your instant account and allow you to keep money separate from day-to-day spending. While our regular pots don’t accrue interest, just like a traditional savings account, you’re able to earn interest on savings thanks to our partnership with Raisin.

We’ve created pots to help you set money aside for anything you want. Whether you’re looking to put money away for emergencies, to buy something for a special someone or for a deposit to get a place of your own, our money pots can help you achieve your financial goals, whatever they may be. Here are just some of the things our customers have used their pots for:

• emergencies
• holidays
• cars
• new clothes
• home improvements
• event tickets
• gifts

We’ve made it quick and easy to set up your money pots so you can start putting money away towards your goals!

To create your first pot:

1. Tap the ‘Explore’ tab on the bottom-right corner of your home screen
2. Tap ‘Savings’
3. Tap ‘Create new Pot’

From here you can choose a pot name and add your goal. Then, you can set up Recurring Payments from your personal account, or even choose to round up each purchase you make and add the extra into your pot!

If you’re looking for savings with interest, we can connect you through the Monese Hub with our partner Raisin, where you’ll be able to pick from a range of savings products where you can earn interest!

This is currently available in the following countries:

• UK
• France
• Germany
• Austria
• Spain
• The Netherlands

To open a savings account with interest:

1. Visit the savings section of the app
2. Choose the option ‘Savings with interest’
3. You’ll be directed to the Raisin website
4. Follow the onscreen instructions to open your savings account

With your Monese account, you can create up to 10 money pots for each currency account you have.

Yes, you can! You can name each individual money pot and create a specific goal for each. This will help you keep track of everything to make sure you’re putting away the right amount of money towards each of your goals.

Yes! It’s quick and easy to start working towards your goals together. With a Monese joint account, we’ve made it simple for couples to plan, put money aside, budget, spend and keep track of expenses.

Whether you’re the saver or the spender in your relationship, you can create up to 10 money pots in your joint account, helping you both stay in the know regarding your progress.

Read about savings goals.

Once you’ve set up your pots, starting to put money away is easy. There are so many benefits to having pots — whether you have 1 or 10!

• Easy access to the money in your pots 24/7, 365 days a year from your mobile, anywhere in the world
• Add and withdraw money from your pot whenever you need to directly in the app
• Add money into your pot by easily setting up Recurring Payments
• Your money is safeguarded under the EU Electronic Money Directive 2009/110/EC and UK Electronic Money Regulations 2011