Alexandra

Kristina

Sophie

Sophie Cairns

Mathilde

Norris

Alex

Mihnea

Karolina

Melissa

Monica

Monica S

Mathilde B

Marina

Marina H

Mulenga

Mulenga Agley

Alex McFarlane

Gabby

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We're with you on the go (Global Image)

Loren

The United Kingdom [left the European Union](https://monese.com/gb/en/blog/brexit-update) at the end of January. Since then there’s been a period of transition, where both sides have been trying to work out their future relationship. This transition period is coming to an end on the 31st of December – but no matter the outcome, we want you to know we’re fully prepared. 

Whatever happens, you’ll still be able to use our smart and connected service to continue to do things like:
- Sending and receiving money, locally and internationally
- Using your card to pay in-store or online, or withdraw from ATMs
- Topping up your account with cash (in any country this is already available in)
- Using your app in any of the 14 languages we support, and chatting to our multilingual support team

### Is this going to affect me?
Last year, we worked with our licensing partner to create a new regulated entity in Belgium. We set this up so that we can provide you with the same level of service after Brexit. Since then, most of our customers from across Europe received new and improved [European account numbers](https://monese.com/gb/en/blog/new-eu-iban-account-number), and those of you who live in Romania are set up with local [Romanian account numbers](https://monese.com/gb/en/blog/ron-accounts). And we’ve started rolling out [French account numbers](https://monese.com/gb/en/blog/french-iban-account-number)!

From next year, many of you won’t see any changes to how your account or card works. But some will see some small changes. For example:

- If you live in the UK and have a RON account, we may have to move it under our EU licensing partner
- If you don’t live in the UK and you have a GBP currency account that you haven’t been using for a while, we’ll ask you if you want to keep using it moving forward 
- If you live in the European Economic Area and your EUR account number starts with GB, we may update your IBAN 

If you’re a Monese customer, we’ll send you any important details via email, and we’ll be in touch with anything else you need to know as this transition period comes to an end.

### What happens next?
We’ll keep updating you regularly on this, but in the meantime, you can find more details in our [terms](https://monese.com/terms), or in our [help centre](https://support.monese.com/hc/en-gb/categories/360000729699-Monese-and-Brexit).

If you have any other questions about Brexit and how it will affect your Monese account, feel free to reach out to our Support team through the app or by emailing us on [support@monese.com](mailto:support@monese.com).

Following Brexit earlier this year, the transition period ends on 31 December. Here’s how we’re prepared.

What does the end of the Brexit transition period mean for me?

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Blog post > What does the end of the Brexit transition period mean for me?

At Monese, we’re always working to make it easier to manage your money, no matter where you are. We recently launched [European account numbers](https://monese.com/blog/2019/10/new-eu-iban-account-number), and we promised to follow up with updates for our customers in France.
Today we’re excited to announce we’ve started the roll-out of French account numbers (IBANs) for customers based in France using Monese EUR accounts! 

<div data-comp="signup"></div>

### Your French account number
![FR-IBAN-GIF-NEW-V2](//images.ctfassets.net/96dxy75w1gjr/6EsFrt8rErAkaSxi1WWmlj/7cf7c3e81eedd1eccb3762cb5671db20/FR-IBAN-GIF-NEW-V2.gif)

Our French account numbers come packed with features that let you spend, send and save like a true local:

__Direct Debits__
You can now set up Direct Debits from your EUR account – you’ll be able to pay your bills in France and across Europe by setting up SEPA Direct Debits. Direct Debits give you peace of mind that your bills are being paid automatically, so you never miss a payment. 

__Cash top-ups__
You can also now top up your Monese account with cash! We’ve partnered with [Paysafecash](https://monese.com/blog/2020/07/add-cash-paysafe) so you can add cash to your Monese account from nearly 12,000 payment points throughout the country. 

__Receive your salary__
Receiving your salary in your Monese account has never been easier. Even though you [should already be able to use](https://monese.com/blog/2020/03/iban-discrimination) your existing account number for this, we’ve heard from some of you that a French account number is preferred by your employers. All you need to do is give them your new account number – it can easily be shared with anyone, by tapping on ‘Share’ from the ‘Accounts details’ page. 

__Link your PayPal account__
You can also [link your Monese account to PayPal](https://monese.com/eu/blog/2019/07/monese-with-paypal) to easily view your PayPal transactions right in your Monese app, and quickly add your Monese card to your PayPal digital wallet for extra security while you’re shopping online (without having to enter your card details).

### How to get started

![FR IBAN Visual 1 V2](//images.ctfassets.net/96dxy75w1gjr/m028Unn48u1180CxjH3Yn/3cbe44b26e7f90699a54b6d6edcea33c/FR_IBAN_Visual_1_V2.png)

Before we get you set up with a French account number, we’ll need you to upload a second ID document – this is to make sure we comply with local regulations.
It’s important to note that there won’t be any changes to how your Monese account and card works – and you’ll still be able use your original GB account number to receive payments.

If you’re just joining Monese now, you’ll be able to get a French account number right away.

If you've already got a Monese account, we’ll have your French account number available soon. We've already started the roll-out process, so make sure to keep an eye on your app and on your email inbox for next steps.

Your EUR account will start with the letters ‘FR’. You’ll find your French account number, BIC code and RIB key in your Monese EUR account under ‘Account details’ (you can find it just below your balance) on your app’s home screen. You can also find it in the ‘Account’ menu at the top left corner.

And remember that to upgrade, you’ll need to have the latest version of our app.

We can’t wait to see how you’ll be using your new French account number. We’d love to hear your thoughts on how it’s working for you and what you’d like to see added in the future. Feel free to message us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at  [community@monese.com](mailto:community@monese.com). You can also explore our Help Centre for more info – and if you have any questions, our [Support team](https://monese.com/contact) is always here to help.

FR-IBAN-Hero-NEW 50390c38ed0094a386d62c09f1033516 (1)

Blog post > Bonjour, French account numbers

Bonjour, French account numbers

Here’s everything you need to know about our new French account numbers (or IBANs) for customers living in France

Today easyJet announced a cyber-security attack that could have exposed the personal details of up to 9 million customers.

The company has said that email addresses and travel details were accessed and that they’ll be contacting everyone affected by this. Their statement also mentioned that 2,208 people have had their card details stolen.

We’re working on contacting all of you who’ve completed transactions with easyJet so that you can be extra vigilant.



## What we know so far
Since your safety and security is always our top priority, we’ve been keeping up with the latest information and will continue to do so in the coming days. Here’s what we know:

- EasyJet announced they’ve discovered a “highly sophisticated” cyber-security attack that exposed 9 million customers’ personal details
- 2,208 people may have had their card details stolen
- EasyJet plans to contact all affected customers by the 26th of May, but say they’ve already contacted anyone who may have had their card details stolen
- They’ve stressed that there’s no evidence that any personal information has been misused


## What information was breached?
While easyJet has said there isn’t any evidence of data being misused, it’s important to note the types of personal data accessed: email addresses, travel details and some credit card details, including CVV codes.



## What we’re doing about it
Security is our utmost priority, and we want to let you know that we’ve always got your back. When there’s a customer data breach like this, we always check to make sure your money is safe. Since easyJet’s announcement, we’ve been running checks for all our customers’ accounts, looking for any suspicious or unusual activity. We’ll let you know if we find anything. In the meantime, as mentioned above, we’re contacting all our customers who’ve completed transactions with easyJet so that they can be extra vigilant.



## What you should do
If you’ve been affected in any way, easyJet should get in touch with you within the next week to let you know. You can also contact easyJet via their [support page](https://www.easyjet.com/en/help/contact). A [page on their website](https://www.easyjet.com/en/infoalert) dedicated to this matter also suggests you email them at infoalert@easyjet.com.

If you’ve already been notified by easyJet that your card details have been exposed, please lock your card from the app right away, and get in touch with our [Support team](https://monese.com/contact) — we’ll cancel your card and send out a new one to you at no cost.

And since email addresses and travel details were accessed, we also recommend staying extra vigilant and looking more closely for any potential phishing scams, spam emails or any out of the ordinary communications.



We take every step possible to protect you, your details and finances. These have been the key foundations of our business since the very beginning. We’ll be updating this blog post as we know more. In the meantime, if you have any questions, our [Support team](https://monese.com/contact) is always here to help.

Low-cost airline EasyJet has revealed a cyber-attack where customers’ personal data has been exposed

EasyJet data breach: what you need to know

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Blog post > EasyJet data breach: what you need to know

Low-cost airline easyJet has revealed a cyber-attack where customers’ personal data has been exposed

### What happened?
Thomas Cook, the 178-year-old tour operator, has [collapsed](https://www.bbc.co.uk/news/business-49791249), leaving hundreds of thousands of holidaymakers stranded abroad.

### What can I do?

If you've booked your holiday from the UK, you should be protected by the Civil Aviation Authority’s [ATOL scheme](https://www.caa.co.uk/atol-protection/consumers/about-atol/) (which stands for Air Travel Organiser’s Licence). This should support you if you're currently abroad, and reimburse the cost of replacing parts of your ATOL protected holiday.

### Can Monese help if I'm already abroad?

We appreciate that anyone already abroad may face some unexpected expenses as they try to get home.

If you’re caught up in this, we realise these days can be incredibly difficult and stressful for you. The last thing you want to deal with is unplanned costs like ATM withdrawal fees and costs on foreign currency card spending.

So if you’re a Monese customer and you’re affected by this, email us at [thomascook@monese.com](mailto:thomascook@monese.com) with proof of travel (like a booking confirmation email or boarding pass from Thomas Cook), and __we’ll upgrade you to Monese Premium for a month, for free__, which will give you unlimited allowances and zero fees on any ATM withdrawals, foreign currency card spend and much more.

[Email us](mailto:community@monese.com)

### What about a future booking?
If you’ve got any future flight bookings with Thomas Cook, that are now cancelled and *not* ATOL protected, you may still be able to make a claim via Monese – __we can request a chargeback on your behalf__. Just email us at [thomascook@monese.com](mailto:thomascook@monese.com) so we can investigate this for you.

### Where can I find more information?

The Civil Aviation Authority (CAA) has also set up an official support page for more information, which you can find [here](https://thomascook.caa.co.uk/).

We wish everyone out there a safe and speedy return, and our support team is on standby if you have any further questions.

As thousands of holidaymakers are trying to find their way back home, here’s how we can help



Dealing with the Thomas Cook collapse

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Blog post > Dealing with the Thomas Cook collapse

As thousands of holidaymakers are trying to find their way back home, here’s how we can help

Over the past few years we’ve been hard at work building a financial service that gives people the financial freedom to thrive anywhere – one that provides an essential means for you to follow your dreams. Today, more and more people expect this financial freedom, as they find themselves in new places – be it for work, family, study, travel, business, or retirement reasons. We believe your money should support you every step of the way, wherever you may be.

Today, we’re very excited to unveil a brand new look at Monese, that puts __our ambition to give you the financial freedom to thrive anywhere, front and centre. It’s called - ‘Be Free’__.

<div data-comp="signup"></div>

Alongside introducing ‘Be Free’, we are introducing __new pricing__ and offering you generous fee-free allowances so you can use your cash and your cards abroad without fees. We know that life changes fast for you, so our plans are highly flexible and give you the ultimate freedom of choice. We’re also unveiling our __brand new cards__, for each of these plans.

## Plans that work for you

![Monese New Pricing Plans 2019](//images.ctfassets.net/96dxy75w1gjr/5VL3xs8JeEjIUewLhFM7Cp/6a74a6bb2231c375afb57ec9316bb765/Monese-New-Pricing-Plans-2019.jpg)

*__Update:__ our pricing has been updated since this blog post was published. You can find the latest details [here](https://monese.com/pricing "Pricing")!*

You currently have the choice to pay a monthly fee or use Monese for free – and that’s not going to change. But while we’ve continued to fine-tune existing features within the Monese app (and add lots of new ones), we also recently decided to change the way you can choose to pay for Monese.

Whether you want to use Monese for free, or you have discovered the value of our Classic and Premium offers, our new pricing plans are designed to be as flexible as you are.

They all come with a free Monese card, a free secondary EUR or GBP account, free debit card top-ups – plus free instant transfers between all Monese users, without any kinds of fees, including currency exchange.

Then, you’ll get tailored, fee-free, allowances for global ATM withdrawals, cash top-ups and foreign currency spending. Here are the details:

- The first allowance covers how much cash you can withdraw from ATMs anywhere in the world and how much cash you can top up your account with each month, before paying any fees
- The second allowance covers how much you can spend on your Monese card in foreign currencies, before paying any fees

Here’s a run-down of each plan in more detail.

### Simple

Our Simple plan is a great one to get you started, and works perfectly if you just need a current account to receive your salary or a card for your travels. It is free and has no monthly fee, and it gives you a neat allowance of free ATM withdrawals, cash top-ups, and foreign currency card spend:

- £/€ 200 allowance for free ATM withdrawals globally and cash top-ups each month (after which a 2% fee applies)
- £/€ 2,000 allowance for fee-free card spend in foreign currencies globally each month (after which a 2% fee applies)
- 2% fee for international transfers in foreign currencies

### Classic

Our Classic plan is best for those who use Monese as their main account, or use cash and international transfers frequently. It costs £4.95 a month, and unlocks even bigger allowances that cover more cash top-ups and ATM withdrawals, and more spending on your card in foreign currencies:

- £/€ 800 allowance for free ATM withdrawals globally and cash top-ups each month (after which a 2% fee applies)
- £/€ 8,000 allowance for fee-free card spend in foreign currencies globally each month (after which a 2% fee applies)
- 0.5% fee for international transfers in foreign currencies (can be more for some currencies)

### Premium

Our Premium plan is the ultimate Monese account, which gives you total peace of mind if you’re spending a lot across different countries and currencies or often transfer larger amounts abroad. It costs £14.95 a month, and gives you a truly unlimited allowance for any and all transactions – meaning you pay a one-off monthly fee and get everything for free thereafter:

- Free global ATM withdrawals and cash top-ups
- Unlimited global fee-free card spend in foreign currencies
- Zero fees for international transfers in foreign currencies

You can switch your Monese plan whenever you want, to suit whatever lifestyle changes come your way - and we won’t tie you to anything. More details are available on our [pricing page](https://monese.com/pricing "Costs").

The new Simple, Classic and Premium plans are available to everyone from today. If you’re an existing customer using one of our old plans, you can upgrade whenever you like.

## New cards to match your plan
![Monese New Cards 2019](//images.ctfassets.net/96dxy75w1gjr/2HASa81xXTYM65ndKLbRNw/831f2a645cf1705a2826f515c6367373/Monese-New-Cards-2019.jpg)

We’re also launching new Monese contactless cards!

From now on, your Monese cards will match the pricing plan you’re on, rather than the currency of the account they’re linked to – and they come in beautiful combinations of sheer whites and subtly textured blues.

We have also chosen a more aesthetically pleasing vertical design format – because horizontal cards with embossed numbers are quickly becoming a thing of the past, having been originally created to meet the needs of old (now obsolete) card reading tech.

Enter our Simple card – sporting a bright pearl base and a shimmering metallic Monese logo that comes in blue, matching the magnetic strip on the back. Then there’s our Classic card, which wears our trademark blue over a pearl base coat, and has a silver foil for the Monese logo, the magnetic strip and card’s edging. And finally, our Premium card comes in a deep midnight blue, with a textured sparkle; you’ll immediately notice the gleaming holographic foil logo, that matches the card’s edging.

Anyone who orders a card from today (including those using our old plans) will be receiving these new cards.

## Coming soon

You’re going to be seeing a lot more from us over the coming months, so stay tuned! We’re really excited about this new direction, and we would love to hear your thoughts – let us know on Facebook, Twitter or Instagram!

Introducing a new look, new pricing plans and new cards

Be Free with an account that’s as flexible as you are

Monesebefree

Blog post > Be Free with an account that’s as flexible as you are

We’ve got some great news! Apple Pay, which is transforming mobile payments with an easy, secure and private way to pay, is now available to Monese customers in more countries.

<div data-comp="signup"></div>

You can now use Monese with Apple Pay across 31 European countries, including:

🇦🇹 Austria

🇧🇪 Belgium

🇧🇬 Bulgaria

🇭🇷 Croatia

🇨🇾 Cyprus

🇨🇿 Czech Republic

🇩🇰 Denmark

🇪🇪 Estonia

🇫🇮 Finland

🇫🇷 France

🇩🇪 Germany

🇬🇷 Greece

🇭🇺 Hungary

🇮🇸 Iceland

🇮🇪 Ireland

🇮🇹 Italy

🇱🇻 Latvia

🇱🇮 Liechtenstein

🇱🇹 Lithuania

🇱🇺 Luxembourg

🇲🇹 Malta

🇳🇱 Netherlands

🇳🇴 Norway

🇵🇱 Poland

🇵🇹 Portugal

🇷🇴 Romania

🇸🇰 Slovakia

🇸🇮 Slovenia

🇪🇸 Spain

🇸🇪 Sweden

🇬🇧 UK

If you live in one of these countries, you’ll be able to use your Monese cards with Apple Pay, wherever you see the Apple Pay logo or the contactless symbol.

## Make safe and fast payments
Using Apple Pay is simple, and it works with the devices you use every day. You can use it on iPhone, Apple Watch, iPad and Mac to make fast and convenient purchases in stores, in apps and on websites.

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

## How to set it up
Simply open the Monese app and navigate to the ‘Card’ screen. There you’ll be able to tap the ‘Add to Apple Wallet’ button and follow the instructions. Then just open your Apple Wallet and your Monese card will appear there, ready for use.

Or you can set it up in the Wallet app – here's how to get started:

- On iPhone, open the Wallet app and tap the “+” sign
- For Apple Watch, open the Apple Watch app on your iPhone and select “Wallet & Apple Pay”, then tap “Add Credit or Debit Card”

You can find a list of compatible Apple Pay devices [here](https://support.apple.com/en-us/HT208531 "Support Apple"). If you have any questions, please feel free to reach out to our [Customer Support](https://monese.com/contact "Contact us") team!

Pay safer and faster using your Monese cards with Apple Pay, now available in 31 countries

Apple Pay is here for Monese customers

Apple Pay Eu Simple Landscape

Blog post > Apple Pay is here for more Monese customers

Country Tag > United Kingdom

Apple Pay is here for more Monese customers

In a world first, we’ve joined forces with [Avios](https://www.britishairways.com/en-gb/executive-club/avios "British Airways") to seamlessly link this popular reward currency with your Monese account.

You can now link your British Airways Executive Club account to effortlessly track and manage your Avios balance, straight from your Monese app. Once connected, your Avios will appear as a separate account alongside your UK or European current account.

<div data-comp="signup"></div>

You can get a straightforward overview of how to make the most of your Avios – whether you’re collecting or spending – through a few simple taps. You can make the most of all your Avios, including those earned on any credit cards. All in one place. Via one, simple-to-use app. 

We know our customers are people on the move, who love to travel the world. This partnership is a new, seamless financial and lifestyle management service. And we’ve designed it with mobile people like you in mind.

## Exclusive Avios benefits
We’re not done yet! We have some very exciting Avios benefits in store for you, as we make the service even smarter and stronger over the coming weeks. These will be exclusive to Monese customers and will help you get the most out of collecting and spending your Avios.

Exclusive Avios benefits coming soon to your Monese app:

- Collect Avios for referring friends
- Exchange Avios with friends and family who are also using Monese
- Link your Monese card to Avios in-store offers to collect Avios every time you shop at selected retailers

## What are Avios?
Avios are reward points that you can collect when you spend money on flights, hotels and car rentals with British Airways and hundreds of Avios partner brands (you can find a full list [here](https://www.shopping.ba.com/retailers "Shopping British Airways")).

Once you’ve collected enough, you can spend your [Avios](https://www.britishairways.com/en-gb/executive-club/spending-avios "Spending Avios") on rewards such as flights, upgrades, hotel stays, travel experiences, or even cases of champagne!

## How it works
Fire up your Monese app and head over to the ‘Account’ section. Tap on the ‘Avios’ button and follow the on-screen instructions – you’ll be asked to log in with your British Airways Executive Club account, or create a new one on the spot.

Once set up, your Avios account will appear in your Monese app as a separate account, just like your UK or European ones, and you can seamlessly switch between them whenever you like.
If you don’t have a Monese account yet, there’s never been a better time to sign up!

## What’s next?
Here are Norris (our CEO and Founder) and Andrew Crawley (CEO of Avios Group) to tell you more about our plans:

<p><iframe width="470" height="264" src="https://www.youtube.com/embed/LGRatHejr1U?rel=0" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen=""></iframe><br/></p>

We’re extremely excited to launch this integration, giving you a smart, portable and seamless way to manage your lifestyle, as well as your finances. Stay tuned for more on this, as we continue to build a financial service that helps you make better decisions, wherever you may be in the world.

Track and maximise all your Avios in one place, straight from your Monese app. Plus exclusive and exciting benefits coming soon to you! 

Introducing the world’s first current account to link with Avios

Avios Blog Header

Monese green blue character avios travel hat camera luggage 

Blog post > Introducing the world’s first current account to link with Avios

Track and maximise all your Avios in one place, straight from your Monese app. Plus exclusive and exciting benefits coming soon to you!

You might have spotted our shiny [new card](https://monese.com/blog/2018/10/new-card-designs "Introducing our new card designs") popping up across London - as well as a great big meteorite outside King's Cross Station! This is part of a new campaign we’re launching:

![whateverhappens cr](//images.ctfassets.net/96dxy75w1gjr/4juNmqictHmQmWb1AFqWSg/902a78c6cac8a0ee90d02aaa43eee012/whateverhappens_cr.jpg)

We thought it would be a good time to tell you more about it!

<div data-comp="signup"></div>

## Do we really think there will be a post-Brexit apocalypse? 
Of course we don’t. 

And we don't expect a meteorite to wreck havoc on London anytime soon. Our installation, and our associated campaign posters, are a light-hearted response to some of the more extreme speculation on what life could be like in the UK on and after the Brexit date of 29 March 2019.

For example, in September, the UK was warned that it would be the last European country to know if there’s a meteorite approaching Earth, because it would have exited the European Union’s Space Surveillance and Tracking Programme. We thought this was pretty crazy stuff and it inspired us to get creative with our campaign.

![MoneseMeteorite PINPEP3-s](//images.ctfassets.net/96dxy75w1gjr/5FyX6IeeoKd8d34ZPp7Iy8/02322fd7198f076bcf4aaafe2714ab4a/MoneseMeteorite_PINPEP3-s.jpg)

## But seriously... 
It’s a time of uncertainty in the UK right now. So we also wanted to use this campaign to share our simple and clear message with you: whatever happens, we should all continue to build solutions to keep us connected. That’s what we’re doing at Monese, leading the way in keeping the UK and rest of Europe connected with our portable, dual-currency UK and European personal accounts.

Whatever happens on or after the key Brexit date of 29 March 2019, many people will continue to travel the world, study abroad or work in another country. They will need their finances to stay connected. We believe that your money should be there for you every step of the way. 

We’ve always held this view. You may even remember our Free Movement campaign from last year, which focused on the launch of our European accounts.

## What does Brexit mean for me? 
We understand that Brexit poses some very serious questions for some of our customers. At this stage we still don’t know what Brexit will look like. We promise to communicate clearly with all of you so you understand what you should do and who you should speak to if you are concerned about staying connected. 

## How is Monese keeping me connected?
Our portable, dual-currency UK and European accounts make sure that people and their finances stay connected to Europe. They’re fully portable across 20 countries, support 11 European languages, and allow people and businesses to spend, send and save like a local across the entire continent.

## Will Monese work after Brexit?
Absolutely – whatever happens, our services will not be affected, as we will continue to provide our award-winning services across Europe and the UK.
Feel free to join the conversation via the __#WhateverHappens__ hashtag, and stay tuned for some exciting updates about our campaign in the coming days!

You might have spotted our shiny new card popping up across London! This is part of a new campaign we’re launching...

Stay Connected, Whatever Happens

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Blog post > Stay Connected, Whatever Happens

You might have spotted our new campaign we're launching in London! Here's more about what we're trying to say.

You might have spotted our new campaign we're launching in London! Here's more about what we're trying to say

On Thursday, British Airways [provided further information](http://mediacentre.britishairways.com/pressrelease/details/86/2018-247/10234?ref=News "British Airways Media Centre") about a breach of customer data, which it had announced on 6 September 2018. An internal investigation by the airline has shown that additional personal data, of those not previously notified, may have been compromised. This additional data may have included card details.
A number of our customers may have been affected. We’ve been in touch with all of these customers to let them know that their card details may have been accessed. We are cancelling and reissuing the cards of all potentially affected customers. We did this for our customers back in September, when British Airways first announced the breach, and we are doing the same today. 

### What information was breached?
Whilst British Airways has stated that there is no evidence that any data has been misused, it’s important to note that the airline is currently notifying the holders of 77,000 payment cards, not previously notified, that the name, billing address, email address, card payment information, including card number, expiry date and CVV have potentially been compromised, and a further 108,000 without CVV. Your CVV number is the three digit number on the back of your card. The potentially impacted customers were those only making reward bookings between April 21 and July 28, 2018, and who used a payment card.

### What are we doing about it?
At Monese security is our utmost priority and we want to let you know that we’ve always got your back. When there’s a customer data breach like this, we always check to ensure you, your details and your finances are safe. Since the British Airways announcement we ran checks for all our customers. A number of our customers had transacted with British Airways. We’ve been in touch with all of these customers to let them know that their card details may have been accessed. We are cancelling and reissuing the cards of all potentially affected customers. 

We also checked these customer accounts for any suspicious or unusual activity and we found no suspicious transactions, nor did we find any reports for unauthorised transactions. 

### What should you do?
British Airways is contacting those customers that are potentially affected by this breach. If you have not heard anything from British Airways by 5pm GMT on Friday, 26 October, you do not need to do anything. __That said, we will still cancel and reissue your Monese card, at no expense to you.__ If you’re among those affected, you will have received an email from us, with details on this.

British Airways announced that email addresses may also have been compromised as part of this breach. We recommend that you watch out for potential phishing scams, spam emails, or any out of the ordinary communications.

We take every step possible to protect you, your details and your finances. These have been the key foundations of our business since the very beginning. 
As always, if you have any questions about this, [our support team](https://monese.com/contact "Get in touch with us") is here to help.

British Airways has provided further information about a breach of customer data. Here's what we've been doing about it.

An update on the British Airways data breach

Security Safe

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Blog post > An update on the British Airways data breach

On Thursday, British Airways provided further information about a breach of customer data. Here's what we're doing about it.

On Thursday, British Airways provided further information about a breach of customer data. Here's what we're doing about it

Yesterday Cathay Pacific announced it had discovered suspicious activity on its network back in March 2018, and confirmed unauthorised access to some personal data in early May.
A very small number of our customers may have been affected. We’ve been in touch with all of them to let them know that, according to the Cathay Pacific statement, their card details should not have been accessed as part of this breach.

### What information was breached?
Whilst Cathay Pacific has stated that there is no evidence that any data has been misused, it’s important to note that the following types of personal data of Cathay Pacific and Cathay Dragon passengers were accessed: passenger name; nationality; date of birth; phone number; email; address; passport number; identity card number; frequent flyer programme membership number; customer service remarks; and historical travel information. The combination of data accessed varied for each affected passenger, but no-one’s travel or loyalty profile was accessed in full, and no passwords were compromised.

### What are we doing about it?
At Monese security is our utmost priority and we want to let you know that we’ve always got your back. When there’s a customer data breach like this, we always check to ensure you, your details and your finances are safe. Since the Cathay Pacific announcement we ran checks for all our customers. A very small number of our customers had transacted with Cathay Pacific. We checked these accounts for any suspicious or unusual activity and we found no suspicious transactions, nor did we find any reports for unauthorised transactions. 
We have an exceptional anti-fraud team here at Monese. This team monitors for suspicious activity in real time, all the time.

### What about passport details?
Cathay Pacific announced that passport details may have been compromised as part of this breach. Your passport details are incredibly sensitive.
If you believe you may have been affected, you can[ submit a request to Cathay Pacific](https://infosecurity.cathaypacific.com/cx/en_HK/hidden-pages/important_info_data_security_event_row.html "Info Security: Cathay Pacific) here and the airline will tell you if it has identified your personal data as having been accessed. Cathay Pacific is also offering ID monitoring services to affected passengers.
If Cathay Pacific confirms that your passport details have been affected, we also recommend that you check with your passport issuer on the steps you should take next.
We take every step possible to protect you, your details and your finances. These have been the key foundations of our business since the very beginning. 
If you have any questions about this, [our support team](https://monese.com/contact "Get in touch with us") is always here to help!
We love lifting the bonnet here at Monese HQ and showing you who, and how we go about keeping you, your details and your finances safe. Expect more on this in the coming weeks...

A very small number of our customers may have been affected by the Cathay Pacific data breach. Here's what we've been doing about it.

Keeping our customers safe: Cathay Pacific’s data breach

Monese Security

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Blog post > Keeping our customers safe: Cathay Pacific’s data breach

A very small number of our customers may have been affected by the Cathay Pacific data breach. Here's what we've been doing about it

The next step in our international expansion is here! This week we’re saying hello (*Olá? Bom dia?*) to Lisbon – we've just opened a new office here, in what is one of Europe’s top hubs for tech talent.

Lisbon is now the third city we’re calling home, as well as London and Tallinn, and it will play a huge part in building new perks and features that we know you’ll love. The team will also be key in bringing about even quicker response times and nurturing our ever-growing community. We’re aiming to have 25 new Monesers here by the end of the year, plugging into our wider Development and Community Engagement teams.

Monese Lisbon comes hot off the heels of [our recent funding round](https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next "Announcing our Series B and what comes next"), which allows us to continue hiring the brightest and best, and expand our mission to make global financial services accessible to everyone.

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If you’ve got what it takes – or you know some brilliant people who want to help build a smart and globally connected financial service – we’re recruiting for the following roles right now:

[iOS Developer](https://monese.workable.com/j/37CF2C9A96 "Careers at Monese")

[Android Developer](https://monese.workable.com/j/F9DF108168 "Careers at Monese")

[QA Engineer](https://monese.workable.com/j/91FB55DE9E "Careers at Monese")

[Senior Automation QA Engineer](https://monese.workable.com/j/99CBE2D886 "Careers at Monese")

[Customer Support Agent](https://monese.workable.com/j/20643D8055 "Careers at Monese")

[Social Media Content and Community Manager](https://monese.workable.com/j/3F71BE2DCD "Careers at Monese")

You can find a full list of [openings here](https://monese.workable.com/ "Monese Workable"). *Até já!*

This week we’re saying hello to our new Lisbon office, marking the next step in our international expansion.

Our Lisbon office has landed

Lisbon Blog

Lisbon tram yellow blue background Monese 

Blog post > Our Lisbon office has landed

This week we’re saying hello to our new Lisbon office, marking the next step in our international expansion

*__Update:__ We're making some changes in the background and not onboarding new business customers right now.* 

Brace yourself for some exciting news, Monese Business accounts are here!
Say hello to a new kind of money management for business that can be set up in minutes, from your mobile. It’s no-fuss and hassle-free. So you can get on with running your business. 

Opening a business account can be a time-consuming and complicated process. If you’re not a local it is especially rigid, expensive and - at times - painful. It can take weeks, or even months, to get your foot in the door with a traditional bank. If your business takes you all over the world, you don’t have time to wait for the bank manager to call. 

We have created Monese Business for globally-minded entrepreneurs. We know that life moves fast for you. Why should your ambitions have to wait?

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## Money management for business that moves as fast as you do
Using our app, you’ll be able to set up your account in minutes, simply from your mobile phone, wherever you may be in the world. All you need to have is a UK registered company and a passport. 

We’ve also included our popular and trusted Monese Plus account in the package at no extra cost, for which you’ll be verified in minutes, so you’ll have immediate access to your personal account. 
Once your new Monese Business account is opened, you’ll be able to manage your business and personal finances seamlessly, in one place, via our simple-to-use app.

![biz blog post img2](//images.ctfassets.net/96dxy75w1gjr/2VLCoN5zf3JsB2FDbI56Ij/a2556dfe6527272338cacb3c1dd91a77/biz_blog_post_img2.jpg)

To top that, Monese Plus gives you access to two personal accounts, both a UK account and a Euro IBAN account, allowing you to manage money like a local in 20 countries. That’s a grand total of three accounts!

## A fixed fee that’s simple and fair
The Monese Business account costs a simple £9.95 a month and offers all the popular features you would find for our personal accounts: unlimited transfers, direct debits and our award-winning app. It also gives you great rates on currency conversions, as well as affordable cash deposits across over 40,000 locations in the UK. And we’ll always give you complete transparency on fees, whether you’re a Personal or Business customer.

Business accounts also come with a beautiful, shiny-new Monese Business Mastercard and a personal Monese Mastercard, both of which you can use anywhere in the world.
On the ATM withdrawals front, the first six on your Business card are free. Then you also get six free with your personal card. That’s 12 free cash withdrawals each month, plus additional, free withdrawals via in-store cashback!

## Lots of ‘smarts’, lots of languages
Just like our personal customers, you’ll have access to our app, website and live customer support in 12 different languages - all from your pocket!
‘Monese Business’ also includes our nifty Smart Transaction feature. You can use this to categorise your spending (helpful when those year-end accounts come around) and keep a real-time oversight of your cash flow. You’ll also be able to view, export and print your statements without any bother.

## Coming very soon...
Monese Business is only going to get better over the coming months, as we work behind the scenes to launch more in-depth features. We’ll also be adding European accounts very soon, offering the same perks and features that we know you’ll love. We’re looking forward to helping you do business. 

We’re in the process of rolling it out to everyone, so simply head over to your app store and download the latest version of the Monese app to get started! In the meantime, [learn more here!](https://monese.com/business "Open a Monese business account online")

Manage your business and personal finances in one place, all for a fixed price that's simple and fair.

Monese Business has arrived

Monese Business Card

Blog post > Monese Business has arrived

Manage your business and personal finances in one place, all for a fixed price that's simple and fair

We’re dedicated to providing next-generation financial services to everyone, which is why we offer a range of account options - to suit the various needs of our customers.

First and foremost, we cater to those who simply need a free, fully operational Monese account - one that offers all the essential features you’d expect of a standard bank account.
Some of our customers, however, are more active than others, which is why our fixed-fee *Plus* plan is often a better choice - offering lower rates on currency conversions and cash top-ups.

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## Unmetered money management is cleared for launch
Now we’re introducing the unlimited *Premium* plan! Designed with the most heavy-duty Monesers in mind, we’re offering them this fantastic opportunity to enjoy the removal of all transactional fees of all kinds, providing a truly exceptional and frictionless mobile money management experience. For a fixed transparent monthly fee, we’re proud to offer Monese Premium - capping the cost of a completely unmetered financial service. Money management simply doesn’t get any better than this!

## A fixed fee that’s simple and fair
The flat fee of £/€ 14.95 a month will allow for genuinely unlimited money management, offering you as many free ATM cash withdrawals as you like. You’ll also enjoy free foreign currency exchange at the wholesale rate, free cash top-ups and free instant card top-ups. You’ll also get a second account (either UK account or Euro IBAN, depending on your first account) and card at zero extra cost.

## Make savings with every transaction
We can confidently recommend Monese *Premium* as the best personal finance solution for those who travel frequently - whether it’s for business or pleasure. If you’re travelling for 3 months around the globe, or spending two weeks on holiday with the family, there’s no reason to worry about restrictions on withdrawals or charges on exchange rates. Everything is included in the cost - making for a money management experience that is completely unlimited.

Compared to our own *Starter* plan you can expect to make considerable savings on cash top-ups (£10 on a £500 Post Office top-up). You can also expect to rack up significant savings if you’re making regular international money transfers on a frequent basis - these could be potentially huge savings when compared to many high street banks.

## No strings, no hidden fees
Monese *Premium* comes with no strings attached - if you don’t use it for an entire month (and don’t have any money in it), you won’t even be charged the monthly fee and there are no penalties. And you can always downgrade your plan whenever you like, without having to commit for a minimum term.

In the Monese *Premium* plan, we believe we’re offering something truly unparalleled, that champions our core ideals and our dedication to providing the very best service at the lowest possible prices. Whatever pricing plan you’re on, we’ll always present our costs of service in way that is completely transparent and ethical - and this latest addition is no exception.

To compare our all of our plans, you can have a look at our pricing page [here](http://monese.com/pricing "Our pricing").

Two accounts for the price of one, unlimited ATM withdrawals, free currency exchange and free top-ups - all for a fixed monthly fee!

Introducing the new unlimited Monese Premium plan

Premium Blog Header 01

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Blog post > Introducing the new unlimited Monese Premium plan

With the sun shining without interruption across much of Europe, many of our holiday plans are now in full swing.

Being a financial service, we’re probably not the best go-to source for general travel advice, at least in terms of recommending destinations (although we’re confident enough in extolling the virtues of wearing lots of sunscreen).

Wherever you choose to holiday this year however, we’re happy to offer you a few tips on how to use your card while travelling abroad.

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### Pay in the local currency

First off, we recommend paying in the local currency whenever possible. Holidaymakers collectively and unknowingly amass millions of pounds in unnecessary fees when paying by card due to something called [‘dynamic currency conversion’ (DCC)](https://en.wikipedia.org/wiki/Dynamic_currency_conversion "Wikipedia"). These are alternative exchange rates offered by firms handling transactions in anything other than the local currency. 

In real terms, a round of drinks at a beach bar could be costing you [up to 18% more](https://www.moneysavingexpert.com/team-blog/2016/07/the-worst-paying-in-pounds-abroad-rip-off-ive-seen-where-160-of-cash-costs-190/ "Money saving expert: The worst ‘paying in pounds abroad’ rip-off I’ve seen – where £160 of cash costs £190"). This applies to both card payments and ATM withdrawals.

![monese dcc](//images.ctfassets.net/96dxy75w1gjr/1RZxDfWzNRVGMCp0O99tl7/1ed98080e8caf5395020ea7461b721f6/monese_dcc.jpg)

Choosing to pay in the local currency means your home bank handles the currency conversion - which means it will be far more closely aligned to the ‘true’ currency conversion rate, therefore making it far cheaper in most cases. This is especially true when managing your money with Monese, where you access our wholesale currency exchange rate and low fees.

### Lock your card 

Another good idea, specific to the use of your Monese card, is to keep your card locked whenever you’re not using it. Locking your card is an easy-to-use security feature accessible within the Monese app. One thing to remember, however, is that you will need data connectivity on your phone in order to unlock. With this in mind, it’s also a good idea to keep your phone charged.

Locking your card is also the first thing you should do if you misplace your card. That way, if someone tries to illicitly use it, they won’t be able to complete any transactions and the app will immediately let you know about any unsuccessful attempts.

### Carry a spare card

While it’s generally a good recommendation to travel light financially, you may also want to consider packing another card. As a Monese user, we can quickly provide you with the means to do this. By opening a free secondary Euro IBAN account (or UK current account if you already have the Euro IBAN account) you can order a Euro card as back-up, and you’ll be able to transfer funds to it from your primarily Monese account in-app, instantly. 

![monese-cards](//images.ctfassets.net/96dxy75w1gjr/6dQ8xGwW0xi9EfXjhia9j6/371660c7fd2cb609dbea0e15ed92b4a3/monese-cards.jpg)

When you’re having a good time abroad, money concerns should be the least of your worries. That’s why it’s a good idea to do a little forward planning and have a few contingencies in place - to mitigate risk and unnecessary over-spending. You’ll always be able to check the Monese app which provides an overview about any fees you’ve incurred on each transaction.

And remember, you can always see a full outline of our rates and charges relating to each of our three pricing tiers [here](https://monese.com/pricing "Our pricing"). Now go enjoy your well-earned travel break...

Wherever you choose to holiday this year, here are a few tips on how to use your card while travelling abroad.



Monese's quick tip travel guide

moneseholidaytips 50390c38ed0094a386d62c09f1033516

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Blog post > Monese's quick tip travel guide

Wherever you choose to holiday this year, we’re happy to offer you a few tips on how to use your card while travelling abroad.

Wherever you choose to holiday this year, here are a few tips on how to use your card while travelling abroad.

We’re thrilled to announce that over 500,000 people have now signed up to Monese! This is a huge milestone in our quest to provide next-generation financial services to the world’s ‘unstoppables’, those whose ambitions take them around the world for work.

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To give you a bit of perspective, 500,000 is more than:

- 5 times the capacity of London’s Wembley Stadium
- the entire population of the country of Malta
- all of last year’s take-offs and landings at Frankfurt Airport

To mark the occasion, we thought we’d share some insight into how Monesers from across 31 different countries use their accounts...

![Salary Deposits Blog](//images.ctfassets.net/96dxy75w1gjr/4E0arLj7BLYlTSonIAhtEN/27e62f88678f61cba73667b7fcda4c69/Salary_deposits_blog.png)

![Top Mobile](//images.ctfassets.net/96dxy75w1gjr/QCVWEStS34rtuOu5ryHsJ/f465aa2b3d3de080dfa23af8556885ac/top_mobile_180726_160923.png)

![Favourite Supermarket Blog](//images.ctfassets.net/96dxy75w1gjr/1mhWuNarSwvD6qOWxQwBIj/e8ade96a7176ac632727126d42242629/Favourite_supermarket_blog.png)

![Average Countries Blog](//images.ctfassets.net/96dxy75w1gjr/7L9MgwUcbox1iKaRcC5P7z/1b1f66140d317bb34057986f9c3269b7/Average_countries_blog.png)

![Top Country Referrals Blog](//images.ctfassets.net/96dxy75w1gjr/1ehpyStUQtpmLzHjSFA9KU/979edc07f73ecf19aede552836ef678e/Top_country_referrals_blog.png)

![Direct Debits Blog](//images.ctfassets.net/96dxy75w1gjr/6D4o3iBCTT2wxcsiiMey4A/e15b2d55694393dbab58b953ecba64ef/Direct_debits_blog.png)

![Top Phone Blog](//images.ctfassets.net/96dxy75w1gjr/4CwCDOf7zdNOigU81sXkxz/fa461215072eb058fbef6b7e0ae83793/Top_phone_blog.png)

Exceeding 500,000 sign-ups is a feat we’re really proud of - and with this momentous milestone now disappearing rapidly into the rear-view mirror, now seems like a good time to say a great big Monese thank you to all of our customers.

Thank you for your glowing reviews. Thank you for the invaluable user feedback. Thank you for mamaging your money with us - and being the bedrock of everything we do. We couldn’t have done it without each and every one of you lovely Monesers. You’re one in (half) a million.

We’re thrilled to announce a huge new milestone: over 500,000 people have now signed up to Monese!

We’ve hit half a million sign-ups!

Half Million Signups

500 000 Monese ball colourful characters number sign ups celebration 

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