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We're with you on the go (Global)

Loren

We’re excited to announce we’ve been chosen as one of the UK’s leading late-stage tech companies and joining the [Future Fifty 9.0 program](https://technation.io/programmes/future-fifty/ "Tech Nation") — Europe’s leading growth program for late-stage tech scaleups. The exclusive network of high-growth is designed to bring together, empower and accelerate the growth of the most successful tech companies in the UK. 

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Monese is one of 22 new companies to join the program this year, driving the growth of UK tech and economic recovery. Among these new joiners, we’re also one of eight fintechs and insurtechs selected to join. 

![FF9.0 MarketingPackAssets Email Header](//images.ctfassets.net/96dxy75w1gjr/3MJcdNTnQh0GuXi1xpzBuQ/367ac1795c906f8af16ba56d728410e6/FF9.0_MarketingPackAssets_Email_Header.png)

As part of the program, we look forward to peer-to-peer learning and applying these learnings straight away into our work environment. We’ll also be focused on addressing and unlocking answers to some of the different challenges we face as we continue to grow and expand our business. 

We’re proud to be included in this year’s Future Fifty, alongside some of the most prominent tech companies in Europe. It’s a testament to our team’s hard work and drive to help those living in challenging situations to build sustainable financial resilience and provide access to fair and flexible financial services.

Monese joins the UK’s leading late-stage growth program  

We’ve joined Future Fifty 9.0!

Future Fifty Blog Hero

Monese logo white background green curtains blue screen

Blog post > We’ve joined Future Fifty 9.0!

We’re excited to announce we’ve been chosen as one of the UK’s leading late-stage tech companies and joining the Future Fifty 9.0 program — Europe’s leading growth program for late-stage tech scaleups.

As one of the top 5 most requested finance apps from Huawei device users in the UK, we're excited to announce that Monese is now available for download in [Huawei's AppGallery](https://appgallery.huawei.com/#/app/C103759763 "Monese on AppGallery")! The app comes with the [features](https://monese.com/features "Learn about the features on your Monese money account") you know and love so your financial life is literally within reach and at your fingertips, anytime, anywhere. 

![AppGallery Visual (2)](//images.ctfassets.net/96dxy75w1gjr/5UTg6xuK7oBQQK0Yk3LmJ/294655ee0b6dff71378dbe1220a208e7/AppGallery_Visual__2_.png)

## What are the benefits of downloading Monese? 
Monese makes opening a mobile money account fast and easy, straight from your phone so you can start: 

- sending money abroad with no hidden fees
- [receiving your salary](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account")
- budgeting your monthly or weekly spending
- analysing your day-to-day spending
- making instant and free transfers between Monese accounts, no matter the currency 

And there’s so much more! The Monese app comes jam-packed with useful features to make your everyday money management as simple as ever. 

![Monese App on Huawei screen](//images.ctfassets.net/96dxy75w1gjr/ETga1aXxUcmqMaJZK5NV3/f4ea366c49085ad662bd3796cce3e112/Phone_Visual.png)

## What are the features that come with Monese? 
Download the Monese app today to start making use of your multi-currency account and powerful [tools for better money management](https://monese.com/blog/manage-money "Tools to use to better manage your money"). Your Monese account comes with: 

- [international money transfer service](https://monese.com/money-transfers "International money transfer – send money safely for less") at great rates
- [virtual card](https://monese.com/blog/create-virtual-card "Create a virtual card") for an extra layer of security when shopping in-store or online
- [pots](https://monese.com/products/savings "Grow your savings") to keep your savings separate from daily spending
- [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") so you never miss a bill or payment again 
- [Recurring Payments](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") for regular transfers
- instant notifications whenever there’s activity on your account 
- [budgeting](https://monese.com/features/budgeting "Budgeting made easy") tools and [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") screen 
- state-of-the-art protection and [security](https://monese.com/features/security "Security is at the heart of what we do") 
- contactless Mastercard prepaid [debit card](https://monese.com/features/debit-card "Get a prepaid debit card from Monese") 
- quick ways to [top up your account](https://monese.com/features/add-funds "Adding money easily") instantly, including with cash 

Once you join Monese, you can also open a [joint account](https://monese.com/products/joint-account "Open a Monese joint account online") with a loved one, partner, friend or 
family member. 

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## Use Monese in your language 
You can download Monese from the AppGallery and change your settings to use it in any one of the 14 languages we support in-app: English, French, German, Brazilian Portuguese, European Portuguese, Bulgarian, Italian, Spanish, Romanian, Polish, Czech, Turkish, Estonian and Lithuanian.

 

Head to Huawei's AppGallery on your phone and search for the Monese app to get started today. For your security and latest app updates, make sure you’re only downloading the Monese app from official sources, like the AppGallery. Keep in mind that the Google Pay feature isn’t available in the app if installed from Huawei's AppGallery. 

If you love our app, don’t forget to rate us! We love reading your positive feedback. 

[![Huawei badge black](//images.ctfassets.net/96dxy75w1gjr/7whnGL0f7W4lyOv4wTcKM6/83b0fca38b8e8752a4073a7b8b012eea/Badge-Black.png?w=200&fm=webp)](https://appgallery.cloud.huawei.com/ag/n/app/C103759763?channelId=Monese+blog&id=67e6a35e88dc47288ea695bbda9e2aa6&s=DBE4C1F0869EE37FFC73C7A449B026EB52623478C11DBE765902ACFE5DC2FB0D&detailType=0&v=)

Download the app today for the features you know and love  

Monese now available in Huawei's AppGallery

Huawei Blog Hero V2

Blog post > Monese now available in Huawei's AppGallery

Monese is now available for download in the Huawei AppGallery! The app comes with the features you know and love so your financial life is literally within reach and at your fingertips, anytime, anywhere. 

Monese now available in Huawei AppGallery

It’s been a year unlike any other, and not being able to go out to the pub, the shops or the cinema has — along with many other things — had a big impact on where and how our customers spent and saved money. 

To see exactly what effect the Covid-19 pandemic and the local and national lockdowns in the UK have had on our financial habits, we’ve looked back over our pre-pandemic customer transactions from March 2019—February 2020 and compared them with our lockdown spendings of March 2020—February 2021.

![Year in lockdown - 16% more money Monese coins](//images.ctfassets.net/96dxy75w1gjr/2bb9yndE4nMHLYGb2atHAr/ad884f59c499751c4f3f75cf7101bd34/AYIL_Landscape_01_2x.png)

Despite being stuck at home, we discovered that, on average, each person has spent 16% more in the last 12 months than in the previous year, with spending increasing in a few key areas.

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## Shopping online skyrocketed 
Across the nation, non-essential shops were closed for a large part of the year, meaning that many [high streets were nearly deserted](https://www.manchestereveningnews.co.uk/news/greater-manchester-news/deserted-streets-shops-shutters-down-19574139 "Manchester Evening News") and shopping centres shut their doors too. The effect of this was a massive surge in online shopping, particularly in November and December 2020, with Black Friday and Cyber Monday driving even more people online. Looking at all transactions made by Monese customers over the last 12 months, a staggering 80% more money was spent at online retailers versus the year before.

![A year in lockdown - online shopping laptop ](//images.ctfassets.net/96dxy75w1gjr/7FglRdgTUzkk0M3tkCR6kd/a75bb2755acfbcaf54aea3745d1863d5/AYIL_Landscape_02_2x.png)

This figure includes online grocery shopping, which grew in popularity as many people sought to avoid supermarket trips and long queues. Some supermarkets reported that, particularly at the start of each new lockdown, [their delivery slots had sold out completely](https://www.hertfordshiremercury.co.uk/whats-on/whats-on-news/tesco-asda-sainsburys-iceland-waitrose-4667593 "Herts"), although this pressure eased as lockdowns progressed.

One of the more recent challenges and expenses that has come with online shopping has been the arrival of [EU-UK shopping taxes](https://monese.com/blog/parcel-taxes "Monese blog: your money or your parcel ") after Brexit. Some buyers were caught out by unexpected customs tariffs, handling charges and VAT costs. 

## DIY spending surged
We calculated that on average our customers spent 184% more on DIY tools and products in the last year, showing just how popular painting, decorating and home renovating was. Interestingly, the weeks our customers spent the most on DIY kit and caboodle was 22 November, followed by 16 August — not during the first national lockdown as may have been expected.

![ Year in lockdown - DIY tools and hammer](//images.ctfassets.net/96dxy75w1gjr/71sQs0e4mN07RsnOzg7g5b/6d16a95206e4d9bc7b49ec85a82780ae/AYIL_Landscape_03_2x.png)

In the first national lockdown, hardware stores were forced to close as DIY products were not deemed to be ‘essential items’. When the government allowed these to reopen from 23 April 2020, business boomed, with [reports of long queues](https://www.itv.com/news/central/2020-04-23/diy-stores-reopen-to-long-queues-during-lockdown "itv: DIY stores reopen to long queues during lockdown") at DIY chains across the nation. 

While buying things for your home can be expensive, [some projects are reported to add value](https://www.homebuilding.co.uk/advice/how-to-add-value-to-your-home "Homebuilding and renovating: How to Add Value to Your Home - 23 Value-Boosting Tips") to your property too, so it’s an investment that can pay off in the long term. Some people also find decorating and DIY relaxing, fulfilling and a welcome distraction from some of the worries of last year.

## Supermarket spending shot up
Another area where our customers spent a lot more money was at the supermarket — perhaps not surprising that while we couldn’t go out for dinner or to the pub, we bought more groceries for meals at home. On average, we estimate that households spent 51% more at the supermarket in the last 12 months.

![Year in lockdown - groceries food](//images.ctfassets.net/96dxy75w1gjr/7hJ1PZt6G2Yl6eHmzNZI6v/2679e9478e471063b1b5098b170dd795/AYIL_Landscape_04_2x.png)

The peak week for supermarket spending in the last 12 months was just before Christmas (20 December) which was also the biggest week in 2019. 

However, the biggest annual increase took place just before the first national lockdown, during the week of 15 March 2020 when 47% more was spent at the supermarket than during the same week in 2019. This date ties in with [reports of stockpiling and panic buying](https://www.thegrocer.co.uk/supermarkets/stockpiling-spend-hit-60m-in-first-week-of-coronavirus-panic/602952.article "The Grocer: Stockpiling spend hit £60m in first week of coronavirus panic"), with many households dashing to supermarkets to buy dried and canned foods, and endless amounts of toilet roll. 

Fortunately, things settled down a bit by the end of March and, while spending was still higher during the remainder of the year, we didn’t see any similar surges as in that first, worrying week in spring.

## Utilities bills went through the roof
With more people working from home than ever before, the nation’s utilities bills also soared. We estimate that the total cost of water, electricity and gas bills grew by 69% in the last 12 months. The cost started to jump up around 26 April — one month after we started working from home — and stayed at this higher level for the rest of the year.

![Year in lockdown - Utility bills paperwork document](//images.ctfassets.net/96dxy75w1gjr/1jfYYTL6JZIyMvyK4xvAwX/89fdeb842a1afb0951c9c7a947a22133/AYIL_Landscape_05_2x.png)

Another potential reason the nation’s electricity bills went through the roof last year could be because Britain went mad for hot tubs. [Many retailers said they’d sold out](https://www.thisismoney.co.uk/money/news/article-8414201/Hot-tub-sales-rise-1-000-Britons-enjoy-hot-weather.html "This is Money: 'We've sold out': Hot tub sales rise by 1,000% and suppliers struggle to keep up with demand as Britons spend more time and money in the garden") by the summer. If you fancy joining in on the trend, it’s worth noting that they come with [a potential annual running cost of £600 per year](https://uk.finance.yahoo.com/news/is-it-normal-for-a-hot-tub-to-cost-600-a-year-to-run--164414689.html "yahoo! finance: Thousands upfront and £600 a year to run - is a hot tub ever worth the money?")!

## Other places we spent more money
A few of the other areas our customers spent more money last year are at: 

- digital games stores (+168%)
- car washes (142%) 
- pet shops (+113%)
- motorcycle dealers (+101%)
- jewellery and watch retailers (+98%)
- musical instrument shops (+71%)
- TV streaming services (+68%)
- craft shops (+46%)
- toy shops (+40%)
- second-hand shops (+40%)
- pharmacies (+31%)

A lot of us got a new pet during the lockdowns, with many explaining that their ‘pandemic puppy’ has helped them get through this challenging time. A year on, some animal shelters are sadly reporting that [they’re getting a lot of pets handed over](https://www.bbc.co.uk/news/world-55719338 "BBC: When your pandemic puppy doesn't work out ") because their owners aren’t able to look after them. 

Getting a pet, particularly a dog, can be very expensive — as much [as £33,000 throughout their lifetime](https://www.theguardian.com/money/2017/jan/20/can-you-afford-dog-33000-pet-insurance-food "The Guardian: Paws for thought … can you really afford to get a dog?") — so it’s really worth thinking about if you can afford that sort of financial commitment before you buy your furry friend. After all, a dog is for life, not just for lockdown.

## Places we spent less money
At the other end of the scale, there were, of course, many areas where our customers spent a lot less money in the last year. Perhaps not surprisingly, customers spent 81% less at cinemas; 66% less at theatres; and 56% less at bars, night clubs and pubs. 

Our customers also spent 26% less at restaurants in the last 12 months. However, the Eat Out to Help Out scheme certainly gave the hospitality sector a boost, and our average restaurant bill (per visit) went from £47.70 to £59.16 in August 2020.

Monese customers also spent a lot less on travel: 49% less on train tickets, 32% less on airline tickets, 27% less on car rental, and 23% less on bus tickets too.

## Savers also squirreled away more money for rainy days
While many people were spending more money during lockdown, we were pleased to see that others have been able to set aside more savings for the future too. It’s great to have a [safety net](https://monese.com/blog/emergency-fund "Monese blog: How to build an emergency fund") if you can.

![Year in lockdown - Vault Monese coins gold](//images.ctfassets.net/96dxy75w1gjr/6mzsks2TE8fHS5jIbe6xXm/8654df7d1d559fbaf813983eb1450ad2/AYIL_Landscape_06_2x.png)

On average, Monese customers that use [our saving pots feature](https://monese.com/features/pots "Monese: Save with Pots") put aside in excess of three times more in the ‘year in lockdown’ versus the previous year. The average Monese saver also doubled the value of their pot! 

We ran a survey earlier in the year to find out what people were saving for and discovered that over a third were setting money aside for a rainy day (37%), one in four were looking to hit a specific savings milestone (26%) and a similar number were putting cash aside for a holiday (25%) in the coming months. 

If you live with a partner, it can be easier to hit a specific savings goal if you’re both invested in doing so. But we know that talking about money with our nearest and dearest can be a challenge, so we wrote up a blog about [how to tackle those tricky conversations about money](https://monese.com/blog/savings-goals-with-partner "Monese blog: Setting savings goals with your partner"), as well as how to set a joint budget and savings goals. A [joint account](https://monese.com/products/joint-account "Open a Monese joint account online") is a great place to start and can be set up in minutes!

## Looking to the year ahead
With the lockdown easing roadmap now revealed, many of us are looking forward to getting back to ‘normal’: visiting loved ones, [organising holidays](https://monese.com/blog/travel-2021 "Monese blog: Top tips for your next travel attempt"), heading out on shopping trips and, of course, getting a round of drinks in for colleagues after a long working week. 
If you’re worried about money and the resumed cost of commuting and socialising, then it’s important to plan ahead as best you can. 

With Monese, [our features](https://monese.com/features "Learn about the features on your Monese money account") make it easier to budget and manage your money. Take a look at [our products](https://monese.com/products "All your Monese accounts in one app") to see all you can do.
 

How did your spending and saving change during the year in lockdown? Let us know on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") or write to us at [community@monese.com](mailto:community@monese.com).

 
__Methodology__

*We analysed Monese card transaction data comparing consumer spending data for March 2019 to February 2020, with data for March 2020 to February 2021. We compared spending between these two time periods across a number of categories and analysed this on a week-by-week basis. This allowed us to rank consumer spending categories as well as amount spent and rate of consumer spending throughout the past year. Monese has over one million customers in the UK.*

We look at how the spending and savings habits of Monese customers have changed over the last 12 months

A year in lockdown: what we spent and where we spent it

Year in Lockdown - hero image

shopping online laptop tools DIY groceries Monese coins in vault savings utilities bill 

Blog post > A year in lockdown: what we spent and where we spent it

We’ve looked back over our pre-pandemic customer transactions from March 2019—February 2020 and compared them with our lockdown spendings of March 2020—February 2021.

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?

ProxyAddress is a service that gives ‘duplicate’, or proxy, address details to those facing homelessness, so they can access vital services. From today, it’s launching this service with a groundbreaking pilot program in the London borough of Lewisham. We’ve partnered with [ProxyAddress](https://www.proxyaddress.co.uk/ "ProxyAddress") to offer Monese accounts to those who are homeless and without stable address details.

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## Losing your home means losing your address 
In 21st century Britain, an address is not just a location — it’s a de facto form of ID. Without a fixed address, these already at-risk people are cut off from crucial services such as healthcare, receiving post, applying for jobs, getting benefits and opening a bank account. 

At [Monese](https://monese.com/about "About Monese"), we understand how not having an address, or proof of address, becomes a huge barrier to accessing financial services. 

## How does ProxyAddress work?
<iframe width="758" height="426" src="https://www.youtube.com/embed/uW9pxirNpVE?controls=0" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

To combat this prevailing problem, ProxyAddress uses duplicated address details of existing homes to provide those facing homelessness with a consistent, secure and free address, which they can use to access the support they need. These are addresses donated by individuals or organisations. During the pilot program in Lewisham, people facing homelessness can access the scheme via Lewisham Council. The council's housing department will guide them through a homelessness application, which includes an eligibility check. They’ll then be issued with a ProxyAddress and presented with the option to sign up to Monese and other providers. 

## Homelessness in the UK
Rough sleeping in the UK has risen sharply in the last decade — up 165% since 2010. New research conducted by ProxyAddress shows that more than 1 in 20 people believe they’ll face homelessness within the next six months, and 1 in 5 know at least one person who’s been made homeless in the last three years, rising to 1 in 3 for under-25s. ProxyAddress found that these stark numbers are due to inaccessible housing and the ongoing Covid-19 pandemic, among other contributing factors. 

## How we’re helping 
While we don’t ask for traditional documents such as a utility bill or a credit check to open an account at Monese like banks do, we do need an address at which to register a customer’s account and send their Monese card to. 

During the trial with ProxyAddress, people registered homeless with Lewisham Council will be eligible to participate and sign up to Monese using their allocated proxy address. Upon signing up with us, they’ll receive a non-personalised debit card giving them instant access to any funds that are deposited into their accounts. They’ll also be upgraded to a Monese Premium account for free. 

## Financial services for all
We’re committed to financial inclusion here at Monese. Many of our customers are working in the gig economy, self-employed or living in a different European country to that in which they were born, and aren’t so well served by mainstream banks. 

We allow people without a credit history or the traditional documents required by banks, to open an account with us quickly and easily. Customers can also use our app in 14 languages and get help from our multilingual Support team. Finally, our [money transfer](https://monese.com/money-transfers "Money transfers with Monese") service allows our customers to send money back home at excellent international exchange rates. 

This new partnership with ProxyAddress is one of several initiatives we’ve launched to make sure financial services are open to everyone: 
- __March 2019:__ We launched an online directory of inclusive financial institutions, depending on customers’ needs, as part of our ongoing work with the [Emerging Payments Association](https://www.emergingpayments.org/ "Emerging Payments Association")
- __July 2020:__ We more than doubled our cash top-up network by launching tens of thousands of new locations in Europe via a partnership with [Paysafecash](https://monese.com/gb/en/blog/add-cash-paysafe "Add cash to your Monese account with Paysafecash"). Cash top-up functionality is another key element that customers expect from their primary account. Together with our Post Office and PayPoint partnerships in the UK, we’ve created one of the largest cash top-up networks in Europe

We sincerely hope that via this partnership with ProxyAddress, we’re able to help even more people in our communities. If you’re someone who’ll benefit from this new partnership, we’d love to hear from you. Get in touch with us on [Facebook](https://www.facebook.com/MyMonese/ "Monese on Facebook"), [Twitter](https://twitter.com/monese "Monese on Twitter"), [Instagram](https://www.instagram.com/monese/ "Monese on Instagram") or email us at [community@monese.com](mailto:community@monese.com "Email Monese").

We’ve partnered with ProxyAddress so those facing homelessness in the UK can open a Monese account

Monese accounts for people without stable addresses

Monese and ProxyAddress

Blog post > ProxyAddress launch

During the Covid-19 lockdown, we reached out to some of you and asked you to share your stories on the impact the pandemic has been having on you &mdash; we also carried out an online survey. The results showed the true resilience and flexibility of our gig economy workers during the outbreak.

It was important for us to reach out, because not only do gig economy workers make up a large part of our customer base, but we sincerely believe they deserve continued support and recognition, even well beyond this crisis. 

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## We did some digging...
To truly begin to appreciate our essential workers, we thought it necessary to explore what it’s taken for them to keep our cities powered and the economy moving &mdash; though at a much slower pace than we’d like.

### Impacted wages 

Our findings showed that during the lockdown period, income dropped by 9% for gig economy workers in the UK. While the average income in a typical month was £1,134 after taxes, in March 2020, it fell to £1,037. Gig economy workers in Scotland took the biggest hit with their wages dropping a significant 15%. 

![Graph](//images.ctfassets.net/96dxy75w1gjr/3lPbToalUdnppX4eAHYwdQ/5668b02c63732e6a4e556093b6956059/Graph.png)

This decrease in wages poses a serious problem. Many also told us that they don’t have enough savings to last them long should they lose their job during the crisis:

- Almost three in ten (27%) said they only have enough savings to survive for one month or less if out of work.
- One in ten (12%) would only survive for up to 2 weeks.
- A quarter (25%) said they had zero savings to fall back on.

While nearly half (49%) admitted to feeling worried about their work as a result of the Covid-19 outbreak, interestingly, the health of the nation was of greater concern than their wellbeing. People told us that they were more concerned about the impact the outbreak has had on general public health (61%) than on their job or income (33%).

### Strength, resilience and flexibility 

To also prove the flexibility and agility of these workers, almost one in three (30%) said that if they lose their job, they’d take any job available:

- 29% said they’d consider becoming a delivery driver.
- One in three (33%) would take a job as a cleaner.
- ver half (59%) would apply for any job in a supermarket.

### Safety concerns

Survey results also showed that one in three (32%) of gig economy workers didn't feel safe going to work but felt they had to because they needed the income. Some other statistics taken from the survey regarding safety issues include the following:

- 29% continued working without protective gear (gloves, mask, hand sanitiser).
- More than one in 20 (6%) continued to work with suspected Covid-19 symptoms.
- Nearly six in ten (57%) don’t believe they’re getting paid enough for the health risk they’re currently taking at work.

### Feeling undervalued 

Almost half (45%) of gig economy workers thought their significant role of keeping the economy going would continue to be recognised by the UK public when the outbreak is over. However, 49% thought the Government would not continue to recognise their positive role in the crisis. 

And it seems that gig economy workers don't feel protected by the Government's response. They think the late delivery of the self-employed financial scheme has created an 'upstairs-downstairs' social divide between those employed and those self-employed:

- Almost half (48%) said that the Government's support scheme for the self-employed isn't useful to them.
- One in six (15%) said that the scheme doesn’t support them in the way they need support. 
- Eight per cent were worried that compensation would not reach them until June. 
- One in 15 (7%) said they weren’t eligible for the scheme as they had registered as self-employed after the cut-off date.

## Our takeaway
It’s impossible to ignore the essential role millions of gig economy workers are playing in keeping our cities going at this critical time, at the sacrifice of their own health. Many of whom are currently juggling two or three jobs to make ends meet. The coronavirus crisis has certainly highlighted who these essential workers really are - some of the lowest-paid people we depend on are the people who’ve continued to power our cities throughout this global crisis. From frontline workers in transport, retail and food, it’s the millions of self-employed taxi drivers, couriers and delivery workers who’ve helped keep food on our supermarket shelves and enabled the rest of us to carry out social-distancing safely. 

We often take the people powering our cities for granted. They’re the engine room of the economy. We receive parcels at all hours, our shelves are full and drivers deliver. Perhaps for the first time, we realise the role they play in keeping our cities moving and come together to recognise their monumental efforts. We hope that society will continue to appreciate all their hard work even once this crisis is over.

We’d like to take this opportunity to thank those who responded to our email and participated in our research. Most of all, thank you for keeping our cities going.

Gig economy workers have kept our cities going during the pandemic... but at what price? 

The true cost of the essential worker during Covid-19

Hero 50390c38ed0094a386d62c09f1033516 (1)

Blog post > The true cost of the essential worker during Covid-19

During this difficult period caused by the Coronavirus (Covid-19) outbreak, we want you to know we’re taking every measure available to us to keep you and your money moving.

Last week, the World Health Organisation (WHO) declared a [global pandemic](https://www.who.int/dg/speeches/detail/who-director-general-s-opening-remarks-at-the-media-briefing-on-covid-19---11-march-2020). This has seen a strong response from governments and companies of all sizes, and most of us will be ultimately affected in some way.

Here’s what we’re doing to make sure you’ll continue to have access to your money, however this may be impacting you. 

### It’s business-as-usual for us
All Monese services will keep working as they’ve always been. There won’t be any changes to how your Monese account and card operate.

As a technology-led business, we’re in a great position to manage situations like this. Our team is fully set up to continue giving you the same quality service you’re used to. All our employees are working from a safe environment; everyone from across our four offices is encouraged (and given everything they need) to work from home. Many of us often work this way anyway!

You can always find more details about our service status [here](https://status.monese.com/) (it’s all systems go), but we’ll update it - and this post - if anything changes.

### We’re mobile by design
Our service is mobile and flexible by its very nature. Our app allows you to manage your money from the comfort and safety of your own home (without having to venture out to a high street branch).

Aside from that, here are some of the features that might be more useful now than ever:
- __Contactless payments:__ all Monese cards come with contactless technology, so that you never have to touch a card machine when paying for something (just hover it closely over the machine, and it’ll do its magic). This is something that’s also been [recommended](https://www.finextra.com/newsarticle/35384/who-urges-switch-to-contactless-to-slow-virus-transmission) by the WHO.
- __Pay with your phone:__ Monese cards support [Apple Pay](https://monese.com/blog/2019/04/apple-pay-is-here) in 31 countries and [Google Pay](https://monese.com/blog/2019/09/google-pay-europe) in 12 countries, so you can pay quickly and safely without even having to get your wallet out.
- __Shop online:__ if you’re trying to avoid physical stores, you can safely use your Monese card to shop online. Or you can [create a virtual card](https://monese.com/blog/2019/12/create-virtual-card) to separate your purchases and lock it when you aren’t using it. Our cards are also enabled with 3D Secure. This gives you an additional layer of security for many online stores, by texting you a one-time password to type in before completing the purchase.
- __Use your phone to move money:__ if you need to receive or send money to your friends and family during this difficult period, you can do so with just a few taps. Our apps will let you set up fast transfers of all kinds, and if they’re between Monese accounts, they’re totally free and instant. 

### Latest updates
We're updating this post as we add more news, advice and guidance to the blog – keep checking back to stay in the loop!

## If your travel plans are disrupted
__Updated on 17 March:__ If your travel plans are now up in the air, we feel you. That’s why we’ve gathered [some advice](https://monese.com/blog/2020/03/covid-19-travel-disruption) that might help guide you, including some of our team’s recent experiences and learnings. And we’re preparing many more tips and recommendations, which we’ll add to our blog as we have it.

## How to stay away from scams
__Updated on 31 March:__ There's been an increase in scam attempts amidst the coronavirus pandemic - [here's](https://monese.com/blog/2020/03/avoiding-coronavirus-scams) what you need to be watching out for so you don't fall victim to fraud. Plus [here](https://monese.com/blog/2020/03/make-sure-youre-talking-to-us)'s how to make sure you're really talking to us.

## New contactless limits
__Updated on 1 April__: As of April 1st, Mastercard has raised contactless payment limits for many countries &mdash; just keep in mind that merchants need to update their card machines. Here are some examples of what the limits have been raised to now: £45 in the UK, €50 in Germany, 100 zł in Poland, €50 in Portugal and €50 in Spain.

## Tips on working from home
__Updated on 2 April:__ Many people are now stuck working from home - including us! We've gathered some [tips from our team](https://monese.com/blog/2020/03/stay-sane-working-remotely) to help you stay happy, healthy, motivated and sane while working remotely. And we've made [a Twitter thread](https://twitter.com/monese/status/1245716282063892481) exploring how Monese parents are coping with working from home with kids!

## Keeping your spending in check
__Updated on 6 April:__ Staying home for most of the time gives you a good chance to review some of your regular spending. [We've got a few ideas](https://monese.com/blog/2020/04/keep-spending-in-check-self-isolating) for where to start, plus how to be mindful of the toll this situation's taking on sole traders and small businesses.

At Monese, our mission is to make it easy to manage your money - wherever you are in the world. We’re all in this together; we’re a business designed to keep you moving whatever happens, and we’re always [here for you](https://monese.com/contact).

Stay safe!

While everyone’s trying to cope with the outbreak, we’re focused on keeping you and your money safe

Dealing with Covid-19

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Blog post > Dealing with Covid-19

Today, the United Kingdom officially leaves the European Union. A period of transition will follow, where both sides will be working out their future relationship. But no matter the outcome, we’re here to remind you that we’re fully prepared.
To deliver on our ambition to give you the financial freedom to thrive anywhere, we knew we’d need to be set up to serve many customers in many countries around the world &mdash; regardless of Brexit. 

So whatever happens, you’ll continue to receive the same smart and connected service:

- You can continue to use your Monese account and cards.
- You can continue to send and receive money.
- You can continue to send money abroad at great rates.
- You can keep using all the Monese app features you know and love.

### How is it going to affect me?
It’s important to know that there will be no change to how your Monese account and card operate. You can carry on using them as usual, and don’t need to do anything. How is Monese prepared?

We worked with our licencing partner to create a new regulated entity in Belgium. This was set up last year, and it’s meant to let us provide you with the same level of service following Brexit. 

__If you live in the UK__ and have a Monese account, it will continue to be regulated by the Financial Conduct Authority (FCA) in the UK. If you have a EUR account, you’ll keep your account number (IBAN) that starts with ‘GB’, which will continue to work just as before.

__If you live in France__ and have a Monese EUR account, it will still have an account number (IBAN) that starts with ‘GB’ for the time being. But we’re working on delivering a much better solution here, which we'll be able to update you on soon.

__If you live anywhere else in the European Economic Area__, your Monese account is now regulated by the National Bank of Belgium (NBB). You should’ve already received a new account number (IBAN) for your Monese EUR account. It starts with ‘BE’, and you can use it to set up direct debits in euros! Your old account number (IBAN) still works as well.

You can always find all your account details on your Monese app: on your home screen, just select the account you want to look at and then tap on ‘Account details’.

### What happens next?
The transition period is set to last through to 31 December 2020. During this time, the UK will negotiate its trade relationship with the EU, and many other countries around the world. We’ll be following these events very closely, as we work with our partners and regulators to adapt to any changes that may come our way next year.

We’ll continue to update you regularly on this, but in the meantime, rest assured that you can keep using your Monese account as you always have been.
You can find more details in our [Terms and Conditions](https://monese.com/terms "T&Cs"). 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 on [support@monese.com](mailto:support@monese.com "Email us").

We’re fully prepared for this scenario, and there won’t be any changes to how your Monese account works

Brexit is here, but we’ve got you covered

Blog post > Brexit is here, but we’ve got you covered

[Popraėjusio mėnesio naujienų](https://monese.com/blog/2019/09/update-preparations-brexit), norime papasakoti, kaip mes pasiūlysime jums labiau lokalizuotų paslaugų visoje Europoje.

__Džiaugiamės galėdami pasakyti, kad pradėjome siūlyti europinius sąskaitos numerius (IBAN) mūsų EUR sąskaitoms klientams, esantiems ne JK!
__

## Kur mano naujasis EUR sąskaitos numeris?

![eur-iban-account-number-1b](//images.ctfassets.net/96dxy75w1gjr/5u0NHa7RNJSomy7COoYvu8/4c5fa51700ba91e05ed0d961f23fdc4e/eur-iban-account-number-1b.png)

Jei gyvenate ne JK ar Prancūzijoje, savo naujos sąskaitos numerį (arba IBAN) galite rasti „Monese“ EUR sąskaitos skiltyje „Sąskaitos informacija“ - jis prasideda raidėmis „BE“. Jį taip pat galite rasti „Paskyros“ meniu viršutiniame kairiajame kampe. Jei to nematote, įsitikinkite, kad naudojate naujausią programėlės versiją.

Senasis jūsų IBAN (kuris prasideda raidėmis „GB“) ir BIC toliau bus matomi skiltyje „Sąskaitos informacija “- ir toliau veiks kaip įprasta. Tai reiškia, kad vis tiek galėsite gauti pinigų. Tačiau mes rekomenduojame pradėti naudoti savo naująjį „BE“ IBAN bet kokiems gaunamiems mokėjimams (pvz., banko pavedimams) - galite lengvai pasidalinti juo su bet kuo, įskaitant ir darbdavį, bakstelėdami „Dalytis“ „Sąskaitos informacijos“ puslapyje.

![eur-iban-account-number-2b](//images.ctfassets.net/96dxy75w1gjr/3zCNWe3sMWimYN6dQvqgMC/1f237cc635727aac2f4226febfc9fb26/eur-iban-account-number-2b.png)

Būkite tikri, kad jūsų „Monese“ sąskaita ir kortelės veikimo principai nekeičiami. Galite naudoti „Monese“ kortelę ir sąskaitą kaip įprasta, jums nieko nereikia daryti.

## Jei nuolat gyvenate JK arba Prancūzijoje

Jei gyvenate JK, jūsų „Monese“ sąskaitą ir toliau tvarkys JK finansinio elgesio tarnyba. Tai reiškia, kad jūsų EUR sąskaita ir toliau bus prasidės raidėmis „GB“, o jūs galite naudoti savo GBP sąskaitą bet kokiam JK tiesioginiam debetui nustatyti.

Tačiau jei gyvenate Prancūzijoje, jūsų naujasis IBAN dar nėra paruoštas, kita vertus, per kelias ateinančias savaites turėsime įdomią naujieną!

## Pasisveikinkite su tiesioginiais debitais

Vienas iš nuostabių dalykų, susijusių su jūsų naujuoju IBAN, jei gyvenate ne JK, yra tai, kad galėsite atlikti tiesioginio debeto mokėjimus iš savo asmeninės EUR sąskaitos!

Tiesioginis debetas yra paprastas ir patogus būdas valdyti mokėjimus ir sąskaitas iš „Monese“ sąskaitos. Jis suteikia ramybę, kad jūsų sąskaitos yra apmokamos automatiškai, todėl niekada nepraleisite mokėjimo. Jis veikia per SEPA schemą, ir apie jį galite sužinoti daugiau [čia](https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direct-debit).

Norėdami nustatyti tiesioginį debetą, pagrindiniame ekrane bakstelėkite „Daugiau“, kur bus galimybė nustatyti tiesioginio debeto mokėjimą.

Labai džiaugiamės, kad netrukus galėsime pamatyti, kaip naudosite savo naujus EUR sąskaitos numerius ir tiesioginį debetą. Jei norite daugiau sužinoti apie šiuos pakeitimus, nedvejodami apsilankykite mūsų [pagalbos centre](https://support.monese.com/hc/lt/categories/360000729699--Brexit-ir-ES-subjektas) arba panaršykite naujausias [sąlygas](https://monese.com/terms). Ir jei turite klausimų, mūsų [klientų aptarnavimo komanda](https://monese.com/contact) visada pasirengusi jums padėti.

Here’s the latest on how you’re getting an even more localised Monese service, regardless of Brexit

Introducing your new European account number

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 Blog post > Introducing your new European account number

Čia rasite naujausią informaciją apie tai, kaip dar labiau lokalizuojame „Monese“ paslaugas, nepaisant „Brexit“

Pristatome jūsų naująjį europinį sąskaitos numerį

### 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

With just under two months to go to the key Brexit date of 31 October 2019, we want to update you on our Brexit preparations and our upcoming plans for a more localised service for our customers across Europe. 

__This includes the introduction of European account numbers (IBANs) with Monese, and direct debits with your Monese EUR account!__

## A globally-minded business from the start

Here at Monese, we are building a new kind of financial service – one that gives you the financial freedom to thrive anywhere.

In order to deliver on this ambition, we knew we would need to be set up to serve many customers, in many countries, around the world. Regardless of Brexit.

## What does Brexit mean for Monese services?

As you might know, it is still unclear on what terms the United Kingdom will leave the EU. There is a chance that it will happen without a negotiated agreement on the key date of 31 October 2019 (i.e. commonly referred to as a ‘No Deal Brexit’).

At Monese we are fully prepared for any Brexit scenario. Our licencing partner has created a new regulated entity in Belgium. This means that Monese accounts issued to customers based outside of the UK will be transferred to this entity. This ensures Monese can continue to provide the same level of service to you after Brexit.

If you are a UK-based customer and have a Monese UK GBP and/or a EUR account, it will continue to be regulated by the Financial Conduct Authority in the UK. 

__With under two months to go to this key date, we want to reassure you that there will be no change to how your Monese account and card operates – carry on using your Monese card and account as normal. You do not need to do anything.__

## What are the benefits of a ‘more localised service’?

This move to an EU entity will allow us to introduce many more localised features and services for you. We’re very excited to share what we’ve got in store at Monese over the coming weeks!

There are two updates coming to you very soon:

- We will be introducing Monese EU account numbers (IBANs) this Autumn
- You will soon be able to make direct debit payments with your Monese EUR account 

This Autumn, we will issue you with a new account number (IBAN) for your Monese EUR account. Your current IBAN account number will continue as normal and you can continue to receive money, transfers and payments to your current IBAN and your account. One of the benefits of your new IBAN is that you will be able to make direct debit payments with your EUR account.

We will be back in touch with more information soon regarding the introduction of new EU account numbers (IBANs). 

These updates are just the start, and many more features and services are coming up in 2019. Watch this space! 

## Updated Terms & Conditions

We have also updated our [Terms & Conditions](https://static.monese.com/terms-september-2019/en/terms.pdf "Monese Customer terms and conditions October 2019") for all customers, in order to account for regulatory changes to those of you based in the rest of Europe. You do not have to do anything in order to agree to these new Terms and Conditions. If you continue to use your Monese account or card after 30 September 2019, these new Terms and Conditions will apply to you. 

We have further information about what Brexit might mean for you [here](https://support.monese.com/hc/en-gb/categories/360000729699-Brexit-and-Monese "Brexit and Monese") and if you have any questions, please do not hesitate to get in touch with our [Customer Support team](https://monese.com/contact "Contact us").

With just under two months to go to the latest key Brexit date of 31 October, we want to share our plans for a more localised service across Europe



An update on how we're preparing for Brexit

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Blog post > An update on how we're preparing for Brexit

With just under two months to go to the key Brexit date of 31 October 2019, we want to update you on our Brexit preparations and our upcoming plans for a more localised service for our customers across Europe.

With just under two months to go to the latest key Brexit date of 31 October, we want to share our plans for a more localised service across Europe

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

In celebration of [Refugee Week](https://refugeeweek.org.uk/ "Refugee Week Homepage"), we're proud to announce an ongoing project to support refugees across the UK. Our trial with the Post Office was part of this scheme, which you can read about [here](https://monese.com/blog/2019/04/addressing-unaddressed-post-office "Monese blog: No address? No problem"). 

We’re committed to giving out our Premium plan to refugees (usually £14.95 a month) for free, for life. The Premium plan waives all transaction fees, granting our customers entirely free current account facilities. 

At the moment we can give refugees access to a Monese mobile money account provided they have been granted asylum and received their Biometric Residence Permit (BRP). Banks are legally obliged to accept BRP’s, however many bank branch staff are not trained to recognise them, which causes issues for many refugees and new migrants across the country. Our hope is that schemes like the one we're running will encourage other financial institutions to open their doors to refugees living and working in the country. 

In an effort to meet customers at their time of need, we are working with refugee charities across the country who help refugees get settled after they have been granted asylum. These charities include [Refugee Education Training Advice Service](http://retasleeds.weebly.com "RETAS Homepage") in Leeds, the [Derby Refugee Advice Centre](http://refsource.gebnet.co.uk/directory/derby-refugee-advice-centre "Refsource"), [RefuAid](https://refuaid.org/ "RefuAid Homepage"), [Gloucestershire Action for Refugees and Asylum Seekers](http://www.garas.org.uk/ "Garas Homepage"), and [Jobs Education and Training North](http://www.jetnorth.org.uk/contact "JET Homepage"), based in Newcastle.

Having worked with us for the last few months, __Hannah__ from G*loucester Action for Refugees and Asylum Seekers* commented:

> Monese are forward thinking and innovative, providing options outside the box to enable refugees in the UK to open accounts quickly and seamlessly. It is a pleasure to be able to work with them and signpost refugee clients to their app and the mobile money account they offer.

__Ruth__ from *Derby Refugee Advice Centre* also commented: 

> Working with Monese has been very beneficial for our clients. Having an alternative to the high street banks, which many of our clients have issues with accessing when they first get leave to remain, has been a huge help. The system has been easy to use and clients like having their account details easily accessible.

__Farhan__, a Monese customer, had this to say:

> It was so quick to open a current account with Monese and I find it very easy to use, particularly when it comes to transferring money.

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

As a Europe-wide organisation ourselves, we want to extend this program to the rest of Europe to ensure we are having as much reach as possible. The challenges in the rest of Europe are very different to the UK, as access to financial services varies in difficulty and scope. Refugees in Germany, for example, are easily able to access a current account but not a debit card. We hope that as we extend our own product capabilities, we will be able to offer help with more complex issues. 

In the meantime, this scheme will continue indefinitely in the UK. If you are a refugee or an organisation that works with refugees, please [get in touch to learn how to access a free Monese current account](mailto:partnerships@monese.com "Email us").

Announcing our latest project to support refugees across the UK



Free Premium accounts for refugees

RefugeeDay 20Jun 1920x1080 v2 50390c38ed0094a386d62c09f1033516

clouds sky airplane with banner "free Accounts for Refugees!"

Blog post > Free Premium accounts for refugees

In celebration of Refugee Week, we're proud to announce an ongoing project to support refugees across the UK. 

Announcing our latest project to support refugees across the UK

Turime šaunių naujienų!
„Monese“ ką tik pasiekė magišką skaičių - užsiregistravo daugiau kaip 1 MILIJONAS žmonių! Tai didingas įrodymas, kai kuriame išskirtines paslaugas ir tuo ypač didžiuojamės.

„Monese“ visuomet turėjo viziją kurti geresnes ir naujas finansines paslaugas: tas, kurios suteikia žmonėms laisvę jomis naudotis, kur jie bebūtų. 

Prieš kelerius metus, kai persikėliau į JK su puikiu darbo pasiūlymu ir didžiulėmis viltimis dėl ateities, atsidaryti banko sąskaitą užtruko mėnesius. Tai buvo brangi ir nemaloni patirtis. „Monese“ buvo sukurta būtent tam, kad niekas nepatirtų tokių nemalonumų, atsidarant sąskaitą naujoje šalyje.

Šiandien vis daugiau žmonių tikisi panašios laisvės, kai gyvena naujose vietose, ar tai būtų darbo, studijų, šeimos, kelionių, verslo ar pensijos tikslais. Tikime, kad bankininkystė turi atitikti kievieno poreikius, kad galėtumėte įgyvendinti savo svajones. 

3000 žmonių prisijungia prie „Monese“ kas dieną, 31 Europos šalyje ir dauguma mūsų klientų naudojasi programėle pagrindinėms savo reikmėms ir atlygiui gauti. Mes aptarnaujame 12 kalbų (ir didiname šį skaičių), kad padėtumėme kiekvienam naudotis bankininkyste be kliūčių.

Sunkiai dirbame, kad „Monese“ taptų dar tobulesnė. Pristatėme integraciją su „Apple Pay“ visoje Europoje, „Monese“ smulkiajam verslui bei išskirtinę partnerystę su
„Avios“, kuri padeda lengvai tvarkyti finansinius ir einamuosius klausimus. Taip pat pridedame naujų funkcijų, kurios padeda Jums lengviau valdyti pinigus. Džiaugiamės grįžtamuoju ryšiu ir teigiamais mūsų klientų atsiliepimais. Pateikiame keletą pavyzdžių:

Diana - “Niekur negalėjau atsidaryti sąskaitos be adreso patvirtinimo, kurio neturėjau.
„Monese“ buvo vienintelė išeitis su kuria gavau išankstinio mokėjimo kortelę, banko sort kodą ir sąskaitos numerį, kad galėčiau gauti savo atlygį ir sumokėti nuomą bei naudotis tiesioginiu debetu, kuris buvo būtinas apmokėti namų sąskaitoms. Ppo visko manau, kad man net nebereikalinga kita banko sąskaita.”

Ari - “Vietiniame banko skyriuje pralaukiau 2 valandas, kad galėčiau atsidaryti banko sąskaitą ir po jų, vis dar buvau eilės viduryje! Grįžau namo ir per 7 minutes turėjau
„Monese“ sąskaitą, kortelę siunčiamą į namus ir JK einamąją sąskaitą dar prieš atvykstant į šalį.”

Lachezar - “„Monese“ naudojuosi daugiau kaip 2 metus ir ji vis daugiau tobulėja. Programėle vis paprasčiau naudotis su kiekvienu atnaujinimu. Ji praneša apie kiekvieną tranzakciją ir galiu pervesti pinigus į užsienį labai pigiai, palyginus su kitais pasiūlymais. Jei prarandu kortelę, be jokių problemų ją galiu blokuoti programėlėje per kelias sekundes ir užsakyti naują. Naują gavau vos per dvi dienas. Tai tiesiog bankinė revoliucija ir džiaugiuosi, kad esu jos dalis.”

Buvo tiek daug pasiekta, tobulinant mūsų geresnės bankininkystės viziją, bet mes nesustojame! Dar daug laukia ateityje ir kol kas norime padėkoti visų iš „Monese“ vardu, kad padedate „Monese“ sėkmingai augti!

Virš 1 milijono žmonių užsiregistravo „Monese“ ir to negalėtumėme padaryti be Jūsų!

One Million Monese Signups

Blog post > Thanks a million!

Over 1 million people have now signed up to Monese – and we couldn’t have done it without you!

Country Tag > United Kingdom

Dėkojame už milijoną!

Džiaugiamės pranešdami apie pilotinį projektą su pašto skyriais, kuris, kaip tikime, turės teigiamą poveikį daugumai naujų atvykėlių į Jungtinę Karalystę ir ypač pabėgėlių bendruomenei. Tai mūsų pastangų rezultatas, siekiant bankininkystę padaryti prieinama visiems su visoje šalyje patikimomis organizacijomis.
 
<h3>28 dienos 
</h3>
Ši idėja buvo išvystyta, dirbant su pabėgėliais. Kai pabėgėliams suteikiamas prieglobstis JK, jiems skiriamos 28 dienos surasti darbą, skiriama pašalpa (35.39 £ per savaitę), jie taip pat turi surasti gyvenamąją vietą ir atsidaryti sąskaitą. Tai labai trumpas ir svarbus laiko tarpas, skirtas naujiems atvykėliams atsistoti ant kojų. Pagal Pabėgėlių tarybos <a href="https://www.theguardian.com/world/2017/sep/08/destitution-is-routine-refugees-face-homelessness-even-after-gaining-asylum" target="_blank">apklausą</a>, maždaug pusė jų gyvena laikinojo apgyvendinimo patalpose arba tampa benamiais.

„Monese“ būtent šiuo laikotarpiu siūloma kaip alternatyva. Sąskaita yra būtina asmeniui gauti atlygį ir sumokėti nuomą.

 
<h3>Adreso problema
</h3>
Nors neprašome adreso patvirtinimo, mums reikalingas gyvenamasis adresas, priskirtas sąskaitai ir debetinės kortelės pristatymui. 
Dauguma prieglobsčio prašytojų neturi pastovių namų pačioje pradžioje, kaip ir adreso pirmosiomis savaitėmis. Todėl mums buvo reikalingas kitoks sprendimas, kad žmonės galėtų gauti būtiniausias finansines paslaugas.

 
<h3>Apsilankykite pašto skyriuje
</h3>
Suvienijome jėgas su pašto skyriais, kad klientai be nuolatinio adreso, nepriklausomai, ar jie yra prieglobsčio prašytojai, galėtų užsiregistruoti savo pašto skyriuje. Šį projektą testuosime aštuonias savaites su keletu pašto skyrių, esančių netoliese pabėgėlių ir migrantų centrų.
Bandomajame projekte taip pat bendradarbiaujame su <a href="http://www.eeac.org.uk/#/">Rytų Europiečių resursų centru</a> Londone, <a href="http://retasleeds.weebly.com/">Mokslų ir informacijos paslaugomis pabėgėliams</a> Leeds mieste <a href="http://refsource.gebnet.co.uk/directory/derby-refugee-advice-centre">Derby pabėgėlių centru</a>, <a href="https://refuaid.org/">RefuAid,</a> <a href="http://www.garas.org.uk/">Gloucestershire pagalba pabėgėliams ir prieglobsčio prašytojams</a> ir <a href="http://www.jetnorth.org.uk/">„Jobs Education and Training North“</a> Newcastle mieste. Tikimės, kad platus partnerių tinklas visoje šalyje padės išbandyti schemos veikimą įvairiomis aplinkybėmis, užtikrinant, kad šis sprendimas tinkamas nacionaliniu, ne tik vietiniu lygiu. 

Kaip verslas visuomet siekiame finansinio įsitraukimo ir tikimės, kad šis procesas bus vystomas toliau. Džiaugiamės šiuo projektu ir tikimės, kad tai bus solidus sprendimas mūsų klientams.

Vykdant pilotinį projektą su pašto skyriais, klientai, neturintys adreso, gali gauti „Monese“ savo vietiniame pašto skyriuje

Skirta esantiems be adreso

monese-unaddressed-post-office-fb

Monese blue character mail carrier mail red bag and hat 

Blog post > No address? No problem

Inclusion Signpost2

Blog post > Join the fight for financial inclusion

Get ready, get set, get signposted

Likus mažiau nei dviems mėnesiams iki esminės „Brexit“ datos, 2019 m. kovo 29 d. norime Jus informuoti apie pasiruošimą „Brexit“. Jeigu esate „Monese“ klientas, esame tam visiškai pasiruošę! 
 
<h3>Pasaulinis verslas nuo pat pradžių</h3>
„Monese“ kuria naujo lygio bankines paslaugas, kurių neriboja nacionalinės ribos ar finansinės sienos. Ši bankinė paslauga padeda lengviau gyventi, studijuoti, dirbti, keliauti ar būti pensijoje bet kur pasaulyje; ji veikia greitai ir padeda žmonėms palaikyti ryšį. Programėlė veikia Jūsų kalba, kur begyventumėte. 

Norėdami įgyvendinti šią ambiciją, žinojome, kad turime būti pasirengę aptarnauti daugelį klientų, daugelyje šalių, visame pasaulyje. Nepriklausomai nuo „Brexit“. 

 
<h3>Ką „Brexit“ reiškia „Monese“ paslaugoms?
</h3>
Kaip žinote, kol kas dar neaišku, kokiomis sąlygomis JK paliks ES. Yra galimybė, kad tai gali įvykti be galutinio susitarimo 2019 m. kovo 29 d. (pvz. „Hard Brexit“).

„Monese“ yra visiškai pasiruošusi bet kuriam „Brexit“ scenarijui. Tai reiškia, kad galėsime aptarnauti visus klientus Europoje be jokių trukdžių.

Likus mažiau nei dviems mėnesiams iki šios datos, norime užtikrinti, kad teiksime paslaugas kaip įprasta ir dėl to nebus jokių mokesčių padidėjimų. Dėl to Jums nereikia nieko daryti.

Kad ir kas nutiktų su „Brexit“, Jūs ir toliau gausite visavertes paslaugas:

<ul><li>Galite ir toliau naudotis „Monese“ einamąją sąskaita ir debetine kortele
</li><li>Mokėjimai bus siunčiami ir gaunami
</li><li>Galite ir toliau siųsti pinigus į užsienį
</li><li>Mokesčiai nedidės ir išliks skaidrūs
</li></ul>
Įvykus „Brexit“, privalėsime atnaujinti mūsų <a href="https://monese.com/terms">Taisykles ir sąlygas</a> visiems klientams, kad būtų patenkinti reikalavimai klientams Europoje. Tačiau nesijaudinkite, mes susisieksime atskirai dėl kiekvieno Taisyklių ir sąlygų atnaujinimo. 
Daugiau informacijos, ką „Brexit“ gali reikšti Jums, rasite <a href="https://support.monese.com/hc/en-gb/categories/360000729699-Brexit-and-Monese">čia</a> jei turite daugiau klausimų, susisiekite su mūsų<a href="https://monese.com/contact">Klientų pagalba</a>.

With two months to go to the key Brexit date of 29 March, we want to update you on our preparations.

„Brexit“: esame pasiruošę!

Brexit Email Copy 4 1

Blog post > Brexit: we’ve got you covered!

With less than two months to go to the key Brexit date of 29 March, we want to update you on our preparations.

Artėjant šventiniam laikotarpiui, noriu padėkoti už palaikymą. Taip pat noriu pasidalinti mintimis, kaip „Monese“ užaugo ir patobulėjo per 2018 metus ir kas mūsų laukia 2019 metais! 
„Monese“ kuria naujos kartos bankines paslaugas - kurių neriboja valstybių ar finansinės sienos. Tai bankinė paslauga, kuri padaro gyvenimą lengvesniu studijoms, darbui, kelionėms ar pensijai bet kur pasaulyje; ji yra greita ir padedanti palaikyti ryšius, ji taip pat kalba Jūsų kalba, kur begyventumėte.

Tikimės dar šaunesnių ateinančių metų ir nekantriai jų laukiame! 
 
 
<h2>2018 - augimo metai
</h2>
<figure><img src="{asset:3706:url}"></figure>
 
Šie metai „Monese“ buvo transformatyvūs, kai mūsų veikla išsiplėtė daugeliu būdų. Šventėme 5-ąjį gimtadienį, kuris suteikė progą pasižiūrėti, ką iki šiol pasiekėme: 

Virš 700 000 užsiregistravusių žmonių

Kas dieną prie „Monese“ prisijungia tūkstančiai. 2018 metais mūsų registracijų skaičius patrigubėjo ir netrukus jau turėsime milijoną „Monese“ naudotojų. Dauguma mūsų klientų „Monese“ naudoja kaip pirminę sąskaitą savo atlyginimui gauti, nes tai sudaro 75% visų įplaukų ir dar kartą įrodo „Monese“ poreikį.

Sveikiname smulkųjį verslą
Prieš keletą mėnesių pristatėme paslaugą „Monese“ verslui, kuri išplėtė mūsų siūlomas paslaugas klientams ir verslui visoje JK ir Europoje. „Monese“ verslui galima atsidaryti per penkias minutes ir naudoti kartu su asmenine bankininkyste viena paprasta programėle. Verslo sąskaitos atidarymas kartais gali pareikalauti daug laiko ir yra komplikuotas procesas, jei neesate vietinis. Tai užtrunka nuo kelių savaičių iki mėnesių, todėl „Monese“ verslui pagreitina šį procesą.
<img src="{asset:3710:url}">
 
Žinome, kad verslininkai gyvena įtemptu tempu ir daug juda po pasaulį. Jiems reikalinga ypač greita, susijusi ir aiški bankininkystė. Verslo bankininkystė neturi užgožti niekieno ambicijų. Kaip tik ji turi žengti kartu, kur bebūtumėte pasaulyje.
Naujos funkcijos

Taip pat pristatėme nemažai naujų funkcijų programėlėje, apimant mokėjimus kontaktams „3D Secure“, išmanias tranzakcijas ir pasikartojančius mokėjimus (žinomi kaip periodiniai mokėjimai JK), kaip ir naujas valiutas bei kortelių dizainus.

 
<figure><img src="{asset:3704:url}"></figure>
 
Kalbame Jūsų kalba

„Monese“ klientai aptarnaujami 12 kalbų „Monese“ programėlėje ir tai dar ne pabaiga! Planuojame 2019 metais pristatyti dar daugiau! Taip pat teikiame pagalbą programėlėje dar 28 kalbomis. Tad jei prireiktų su mumis susisiekti, greičiausiai kalbėsime Jūsų kalba.

„Monese“ „Premium“ tiems, kas nori daugiau

2018 metais pristatėme „Monese“ „Premium“ planą. Turint galvoje aktyvius naudotojus, netaikome tranzakcijų ir užsienio valiutos konvertavimo mokesčių, tiekdami išskirtinę ir neeilinę mobiliosios bankininkystės patirtį. Galime drąsiai rekomenduoti „Monese“ „Premium“ kaip geriausią paketą dažnai keliaujantiems laisvalaiko ar darbo reikalais. Jei keliaujate bent tris mėnesius ar atostogaujate dvi savaites neverta jaudintis dėl ribojimų išgryninimams ar valiutos konvertavimo mokesčiams. „Monese“ „Premium“ pristato geriausios vertės bankinį sprendimą, siunčiant didesnes sumas į užsienį. Viską apima vienas mėnesinis mokestis, todėl galite mėgautis gera kaina be streso ir neribotai. 
 
<figure><img src="{asset:3708:url}"></figure>
 
Vienas iš greičiausiai augančių „FinTechs“

„Monese“ yra viena iš greičiausiai augančių „FinTechs“ kompanijų Europoje, kuri sėkmingai užsitikrino investicijas paskutiniame etape. Rugsėjį gavome 60 $ mln. papildomą finansavimą iš „Kinnevik“, „PayPal“, „International Airlines Group“ ir „Augmentum Fintech“. Investicijas skiriame produkto vystymui, tarptautinei plėtrai ir padarysime mūsų paslaugą prieinamą dar daugiau klientų. Šie investuotojai taip pat prideda didelį dalį savo žinių ir padeda mums toliau augti. Mes taip pat buvome pripažinti JK „Sunday Times Fast Track“, kaip vieni iš 10 „Disruptors to Watch“ 2018 metas.
Nauji biurai

Neseniai atidarėme naujus biurus Lisabonoje ir Berlyne ir dabar turime virš 200 žmonių „Monese“ komandoje, kurie dirba biuruose JK, Estijoje, Portugalijoje ir Vokietijoje.
Esame sužavėti Jūsų parama mūsų programėlei daugiakalbėse klientų aptarnavimo programėlėse, tokiuose tinklapiuose kaip <a href="https://trustpilot.com/review/www.monese.com">„Trustpilot“,/a&gt; kur mus įvertinote šauniu 9.1/10 balu ir taip tapome viena geriausiai vertinamų finansinių įmonių tinklapyje! Tačiau mes neužmiegame ant laurų ir Jūsų atsiliepimai mums yra labai svarbūs.</a>
<a href="https://trustpilot.com/review/www.monese.com"></a>
<a href="https://trustpilot.com/review/www.monese.com"></a><a href="https://trustpilot.com/review/www.monese.com">
 
<h2>Laukiame 2019 metais
</h2>
Tikimės pasiūlyti naujų produktų ir funkcijų „Monese“ programėlėje jau 2019 metais

Nauji mokėjimų kanalai

Tikimės pasiūlyti naujų mokėjimo kanalų. Iš mūsų klientų žinome, kad jie labai laukia šių funkcijų, kurios užtikrins patogumą ir papildomą saugumą. 
Geresni būdai tvarkyti pinigus

 2019 metų pradžioje pristatysime ir pinigų valdymo įrankių, kad galėtumėte geriau kontroliuoti savo finansus „Monese“ programėlėje.
Daugiau būdų papildyti Jūsų sąskaitą 

Mūsų klientai gali papildyti savo sąskaitas debetine kortele, bankiniais pavedimais ar grynųjų įnešimais - turime 40 000 tokių vietų. Tikimės pasiūlyti dar daugiau būdų Europoje ir netrukus pristatysime SOFORT mokėjimo būdą dažnai naudojamą Vokietijoje ir Austrijoje. 

Susitikimai su klientais

Tikimės surengti renginių mūsų klientams Europoje. Mums ypač svarbūs atsiliepimai ir gyvi susitikimai, kurie padeda tobulinti mūsų paslaugas. Laukite žinių iš mūsų naujaisiais metais!
<img src="{asset:3714:url}">
 
Mes samdome! 

</a><a href="https://trustpilot.com/review/www.monese.com"></a> <a href="https://trustpilot.com/review/www.monese.com"></a> 
<a href="https://trustpilot.com/review/www.monese.com">Galiausiai, žinome, kad 2019 metai bus dar geresni nei 2018 metai. Augame kasmet, todėl nuolat samdome. Tad jei manote, kad viską turite, ar pažįstate tinkamų žmonių, kurie nori padėti vysyti išmanią ir pasaulietinę bankininkystės paslaugą – </a><a href="https://monese.com/careers">mes samdome šioms pozicijoms</a>. 

 
<figure><img src="{asset:3707:url}"></figure>
 
Bankinių paslaugų mobiliems žmonėms kūrimas

„Monese“ kuria labiausiai jungiančias ir mobilias bankines paslaugas. Tikime, kad bankininkystė privalo būti išmani, įtraukianti ir sukurta Jūsų poreikiams. 
Dar kartą dėkojame už Jūsų paramą. Nekantraudami pranešime daugiau naujienų apie mūsų praoduktus ir funkcijas artimiausiais mėnesiais.

 
Linkime Laimingų Naujųjų metų!

Monese 2019 S

Blog post > Why we can't wait for 2019

Kodėl negalime sulaukti 2019 m.?

We’ve officially become accredited as a Living Wage Employer, joining the 4,700 companies across the UK who believe a hard day’s work deserves a fair day’s pay.
The Living Wage is calculated based on the cost of what people need to get by, and adjusts for the higher cost of living in London. Currently the Living Wage is £9.00 an hour across the UK and £10.55 an hour in London – a substantial leap from the £7.38 National Minimum Wage. 

For thousands of people across the country, the Living Wage has improved their wellbeing by granting them increased independence and flexibility. Hard working employees find they have more time to spend with their families, emergency funds for a rainy day, and restored energy at work. Stories of the difference it has made can be found on <a href="https://www.livingwage.org.uk/good-for-society">the Living Wage website</a>. 

For us, signing up to the Living Wage Foundation is about holding ourselves accountable to the values we hold as a company for years to come, and encouraging others to do the same. It commits us to raising our rates every year as they are adjusted. It also empowers any employees, including contractors working on our premises, to speak up if they are being paid unfairly. 

Largely this has affected our cleaning staff. We are currently paying them the old Living Wage rate of £10.20 an hour, and are now pledged to raising the rates in the next six months (although we plan to do it sooner). 

We are delighted to be a part of this movement, as it is so important to the health and well-being of not only our employees, but employees across the UK. Moreover, it is the right thing to do. We believe that, if we are to maintain our standing as the world’s most inclusive banking service, it is essential that we foster inclusivity and fairness in all elements of our business.

Living Wage Employer 02

Monese phone, beach photograph in frame, keys, living wage employer, video game, pacifier, coffee to go mug, groceries, savings in piggy bank

Blog post > We are officially a Living Wage Employer

We are officially a Living Wage Employer

Last week we took part in <a href="https://tallinn.startupweek.co/">Startup Week Tallinn</a> by throwing a #MoneseMeets showcase event at our brand new office in the immensely hip Telliskivi Creative City. The office was so new that we’d only ever held parties there so far!
Almost 200 guests joined us, to get to know our teams and to find out more about the career opportunities we have available.

The evening was kicked off by Hanna-Mari and Norris, who took the stage to welcome everyone and tell our story.
<figure><img src="{asset:3680:url}"></figure>
 
We then hosted a panel focused on exploring the borderless generation, where we were joined by Sten Tamkivi (Topia), Maria Magdaleena Lamp (Jobbatical) and our very own Head of International Expansion, Lauri Haav. Who is the borderless generation? What does it mean to work without borders? Are we heading towards a closed society, or rather one that’s more open through all the technological breakthroughs we’re seeing today? What still needs to be invented in this space? It was a very inspiring conversation! 
<figure><img src="{asset:3681:url}"></figure>
 
Then each of our teams pitched their skills and know-how – ranging from fraud quizzes to mock support scenarios – and the audience got to vote for the best-in-show. Our Mobile Engineering Team won! 
Now – while this may have looked like a job fair from the outside, the team managed to add quite a few twists. Some made ice cream, some mixed cocktails and some were organising ping pong friendlies. We had VR, quizzes, craft beer and an office dog&hellip; which we think was a great preview of what it’s like to work here!
<figure><img src="{asset:3682:url}"></figure>
 
All in all, it was an amazing night. We had a lot of fun and we were over the moon to see so many people drop by. Thanks to everyone who helped pull this together – including our friends at Hype – and we’ll see everybody at the next one! 
 
<blockquote class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/BqaXdDcFX9K/?utm_source=ig_embed&utm_medium=loading" data-instgrm-version="12"><div> <a href="https://www.instagram.com/p/BqaXdDcFX9K/?utm_source=ig_embed&utm_medium=loading" target="_blank"> <div> <div> </div></div><div><svg width="50px" height="50px" viewBox="0 0 60 60" version="1.1" xmlns="https://www.w3.org/2000/svg" xmlns:xlink="https://www.w3.org/1999/xlink"><g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"><g transform="translate(-511.000000, -20.000000)" fill="#000000"><g><path d="M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631"></path></g></g></g></svg></div><div> <div> View this post on Instagram</div></div> <div><div> </div><div> </div><div> </div></div></a> <a href="https://www.instagram.com/p/BqaXdDcFX9K/?utm_source=ig_embed&utm_medium=loading" target="_blank">#monesemeets Our amazing operations team</a> A post shared by <a href="https://www.instagram.com/jennymonese/?utm_source=ig_embed&utm_medium=loading" target="_blank"> JennyMonese</a> (@jennymonese) on <time style=" font-family:Arial,sans-serif; font-size:14px; line-height:17px;" datetime="2018-11-20T18:20:00+00:00">Nov 20, 2018 at 10:20am PST</time> </div></blockquote>
<script async="" src="//www.instagram.com/embed.js"></script>

​Last week we took part in Startup Week Tallinn by throwing a #MoneseMeets showcase event at our brand new office in Telliskivi.

Monese Meets Tallinn Startup Week

Tallinnmeet1

Blog post > Monese Meets Tallinn Startup Week

Fantastic news – we’ve been nominated for ‘Best Banking App' at the 2019 edition of the British Bank Awards! Update: we're now among the Finalists!
<a href="https://smartmoneypeople.com/british-bank-awards" class="btn btn--one">Vote here</a>
<a href="https://smartmoneypeople.com/british-bank-awards">The British Bank Awards</a> are not judged by an industry panel. They are voted for by you, our customer. This is your chance to decide who the best-value banking providers are.

Our mission is to deliver a banking service ‘built around you’, one that helps you bank like a local, wherever you are, wherever you’re going next. That’s why three years ago we launched an easy-to-use app supporting the first current account that doesn’t require proof of address, speaks your languages (and your currencies), and is fully portable across 20 European countries. Not to mention our amazing customer care, that’s constantly rated highly across sites like <a href="https://trustpilot.com/review/www.monese.com">Trustpilot</a> and <a href="https://smartmoneypeople.com/monese-reviews/">Smart Money People</a>!

We’ve already seen some fantastic support this week, which we’re humbled and overwhelmed by – here are some examples:
 
<iframe src="https://smartmoneypeople.com/review/widget/109116" frameborder="0" style="width:100%;height:354px;background-color:#FFF"></iframe>
<iframe src="https://smartmoneypeople.com/review/widget/109032" frameborder="0" style="width:100%;height:326px;background-color:#FFF"></iframe>
<iframe src="https://smartmoneypeople.com/review/widget/108987" frameborder="0" style="width:100%;height:398px;background-color:#FFF"></iframe>
<iframe src="https://smartmoneypeople.com/review/widget/108869" frameborder="0" style="width:100%;height:398px;background-color:#FFF"></iframe>
 
If you think we deserve the Best Banking App title, we’d really appreciate it if you sent a vote our way. It’s also worth mentioning that if you do cast your vote, the British Bank Awards will also sign you up to a draw for a £1,000 cash prize! 

<a href="https://smartmoneypeople.com/british-bank-awards" class="btn btn--one">Vote here</a>

We’re among the finalists for ‘Best Banking App' at the 2019 edition of the British Bank Awards! Cast your vote now.

Vote for us at the British Bank Awards

Bba 2019 Blog

Monese green ball character bow tie stage paparazzi flashes photography spotlight

Blog post > Vote for us at the British Bank Awards

Kitas mūsų tarptautinės plėtros žingsnis jau čia! Šią savaitę sveikinamės su (Olá? Bom dia?) Lisabona – ką tik čia atidarėme naują biurą, kur buriasi vieni iš geriausių Europos technologijų talentų.
Dabar Lisaboną vadiname trečiaisiais namais po Londono ir Talino ir tai didele dalimi prisidės prie mūsų naujų funkcijų vystymo. Komanda taip pat bus atsakinga už atsakymų greitį ir rūpestį mūsų augančia bendruomene. Tikimės metų pabaigoje turėti 25 naujus „Monese“ darbuotojus, kurie papildys programavimo ir bendruomenės komandas.
„Monese“ Lisabona atsidarė kartu su <a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next">nauju mūsų investavimo etapu</a>, kuris suteikia galimybę samdyti geriausius ir plėsti mūsų misiją, kad pasaulinė bankininkystė būtų prieinama kiekvienam.</a>
<a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next"></a><a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next">
Jei viską turite, ko reikia, ar pažįstate tinkamų žmonių, kurie prisidėtų prie išmanių finansinių paslaugų kūrimo, – šiuo metu ieškome šių žmonių:
</a><a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next"></a> <a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next"></a><a href="https://monese.workable.com/j/37CF2C9A96">iOS Developer</a>
<a href="https://monese.workable.com/j/F9DF108168">Android Developer</a>
<a href="https://monese.workable.com/j/91FB55DE9E">QA Engineer</a>
<a href="https://monese.workable.com/j/99CBE2D886">Senior Automation QA Engineer</a>
<a href="https://monese.workable.com/j/20643D8055">Customer Support Agent</a>
<a href="https://monese.workable.com/j/3F71BE2DCD">Social Media Content and Community Manager</a>
Visą sąrašą rasite <a href="https://monese.workable.com/">čia</a>. Até já!

Lisbon Blog

Lisbon tram yellow blue background Monese 

Blog post > Our Lisbon office has landed

Atidarytas mūsų Lisabonos biuras

Z dumą ogłaszamy, że udało nam się zebrać 60 milionów dolarów w kapitale, co pozwoli nam na dalsze budowanie następnej generacji naszej mobilnej usługi bankowej oraz zaoferowanie jej większej liczbie ludzi na całym świecie. 
Wsparcie to pochodzi prosto od światowej klasy inwestorów, którzy podzielają naszą wiarę w to, że usługi bankowe przechodzą obecnie transformację. Serię B naszych inwestycji prowadził Kinnevik, globalny inwestor skupiony na zdigitalizowanych biznesach, razem z PayPalem, europejskim inwestorem Augmentum Fintech, a także International Airlines Group z grupy Avios Group Ltd. Udział wzięli także tacy inwestorzy jak Investec’s INVC Fund.

 

<h3>Nasza historia na chwilę obecną...</h3>
W tym roku celebrujemy trzeci rok Monese na rynku. W 2015 roku samodzielnie wypuściliśmy prosty w użyciu produkt w Wielkiej Brytanii z ambicją, że rozwiążemy poważny problem - zapewnienie personalnych usług bankowych każdemu, kto ich potrzebuje.

Grupa inżynierów pełnych wiary w naszą firmę dołączyła do nas w trakcie tej podróży niedługo po tym, jak wypuściliśmy pierwsze całkowicie mobilne konto bieżące na rynku brytyjskim. Wraz z rosnącymi oczekiwaniami względem naszego produktu rosły nasze ambicje. Wysłuchaliśmy próśb naszych ówczesnych klientów i wypuściliśmy naszą aplikację w reszcie Europy w lipcu 2017 roku.

W Wielkiej Brytanii nasz produkt przyjął się lepiej niż oczekiwaliśmy, a obecnie Europa odkrywa go jeszcze szybciej i jeszcze chętniej, co tylko potwierdza nasze pierwotne przemyślenia, że obecny system bankowy charakteryzuje się wieloma niedociągnięciami i ograniczeniami.
Dzisiaj ponad 600 tysięcy osób korzysta z usług Monese, przesyłając ponad 2.5 biliona funtów rocznie. Liczba nowych klientów na miesiąc potroiła się od końca 2017 roku, co jako silny wzrost na różnych rynkach pozwala nam na odkrywanie nowych horyzontów.
 

<h3>Co to oznacza dla nas jako firmy?</h3>
Oznacza to, że zwiększamy nasze zasoby i szykujemy się na międzynarodową ekspansję!
Będziemy w stanie zatrudnić więcej błyskotliwych talentów do naszych biur w Londynie i Tallinnie, które będą wspierać istniejące już zespoły, ale także zajmą nowe stanowiska. Planujemy także otwarcie nowego biura w Lizbonie w Portugalii!
A będzie nam ono potrzebne - na początku 2017 roku zespół liczył sobie 36 osób. Od tamtego czasu potroiliśmy tę liczbę, a firmę zasila teraz 140 pracowników. Dodatkowe zebrane inwestycje pozwolą nam na zatrudnenie jeszcze więcej talentów, a także na rozwinięcie naszych usług na cały świat, co sprawi, że każdy człowiek będzie miał dostęp do usług bankowych.
 

<h3>Na koniec...</h3>
W tym momencie chcielibyśmy z całego serca podziękować naszym klientom, bez których nasze działania nie miałyby sensu. Osiągnęliśmy coś niesamowitego - stworzyliśmy platformę mobilną ze świetnym opiniami na <a href="https://www.trustpilot.com/review/www.monese.com">Trustpilocie</a>, której większość klientów używa jako głównego konta do otrzymywania wypłat. Jesteśmy równocześnie dumni i onieśmieleni.
Obecnie planujemy skupić się na wykorzystaniu nowej serii B inwestycji i rozwinięciu nowoczesnej i inteligentnej usługi bankowej, do której dostęp ma każdy na świecie, zwłaszcza ci, którzy decydują się na życie w innym kraju i których potrzeby są często ignorowane przez tradycyjne instytucje bankowe.
Mamy nadzieję, że zostaniecie z nami!

Rocket 02

Blog post > Announcing our Series B and what comes next

Inwestycja serii B i co dalej

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.

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

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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