PT

EU Personal Poplatky a limity

EU Personal Poplatky a limity

Dated: 28/09/2021

Obsah


    Fees & Limits

    Fees

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

    The fees described under the heading ‘Live Plans’ are available to all customers whereas the fees described under the heading ‘Legacy Plans’ are only available to those customers already on the plans described in that section.

    If you open your Monese Account, the Plans and any features of the Plans available to you, including any fees and top-up requirements, may be different to the descriptions in this Agreement depending on the country you live in. Where this is the case, we will send you an email as soon as you have successfully opened your Monese Account, to explain any differences to your Plan, the features of your Plan, including any fees and top-up requirements. This information will also be displayed in your Monese App. If you do not like any of the changes described in the email, you are entitled to close your Monese Account at any time (see section 2.38 for details on closing your Monese Account).

    Live Plans

    Starter

    Core Account
    Monthly Fee: Free
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Additional physical Monese card: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Card replacement (in case of being lost or stolen): £4.95 / €4.95 / 19.95 lei (An additional £4.95 / €4.95 / 19.95 lei standard delivery fee applies)__
    Checking your balance and transactions in-App: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Locking and unlocking Monese Card: Free
    Monese Customer Service: Free
    Money Management Features: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Sofort top-up: 2% per transaction
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): 3.5% per Transaction (€3 / 15 lei minimum fee applies)
    Post Office cash load (available for Monese GBP Account only: 3.50% (minimum £3)
    PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 50 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate. An adjustment fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2.5% of transaction value, minimum €2 / £2 / 8 lei). An additional fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies
    Purchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 2% of the transaction value
    Withdrawals:
    ATM withdrawals: €1.5 / £1.5 / 5 lei per ATM withdrawal (subject to currency exchange fees)
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free
    Currency exchange on using the Monese Card for ATM withdrawals in Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate
    Currency exchange on using the Monese Card for ATM other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 2% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)

    Essential (UK Only)

    Core Account
    Monthly Fee: £1.95 / €1.95 / 8.95 lei for using any number of Monese Accounts (for example if you hold a Monese Essential GBP Account and a Monese Essential EUR Account as well, you’ll only pay £1.95 / €1.95 in total). After paying your first monthly fee when joining Monese Essential GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
    Annual Fee: £19.95 / €19.95 / 74.95 lei for using any number of Monese Accounts (for example if you hold a Monese Essential GBP Account and Monese Essential EUR Account as well, you’ll only pay £19.95 / €19.95 in total).
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (free standard delivery)
    Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__
    Checking your balance and transactions in-App: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Locking and unlocking Monese Card: Free
    Monese Customer Service: Free
    Money Management Features: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Top-up made via Sofort: 1% per transaction
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): 3.50% per Transaction (€3 / 15 lei minimum fee applies)
    Post Office cash load (available for Monese GBP Account only: 3.50% (minimum £3)
    PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 50 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate. An adjustment fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum €2 / £2 / 8 lei). An additional fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies
    Purchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 0.5% of the transaction value
    Withdrawals:
    ATM allowance: £200 / €200 / 1000 lei
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
    Fee applicable once ATM allowance detailed above is exceeded: 2% per Transaction
    Currency exchange on using the Monese Card for ATM withdrawals in foreign currency in Pounds sterling, Euro, Romanian lei and Swedish krona: Free within allowance at Mastercard wholesale exchange rate
    Currency exchange on using the Monese Card for ATM withdrawals in currencies other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 0.5% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)
    Insurance:
    Bills Protection: Free within limits

    Classic

    Core Account
    Monthly Fee: £5.95 / €5.95 / 24.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £5.95 / €5.95 in total). After paying your first monthly fee when joining Monese Classic GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
    Annual Fee: £49.95 / €49.95 / 205.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £49.95 / €49.95 in total).
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (free standard delivery)
    Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__
    Checking your balance and transactions in-App: Free
    Locking and unlocking Monese Card: Free
    Money Management Features: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Monese Customer Service: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Top-up made via Sofort: Free
    Cash top-up allowance: £400 / €400 / 2500 lei
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): Free within Cash top-up Allowance
    Post Office cash load (available for Monese GBP Account only: Free within Cash top-up Allowance
    PayPoint cash load (available for Monese GBP Account only): Free within Cash top-up Allowance
    Fee applicable once Cash top-up allowance detailed above is exceeded: 3.5% per Transaction (€3 / 15 lei minimum fee applies for Paysafecash)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 100 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate at no adjustment
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum €2 / £2 / 8 lei).
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in international currency: Free, Mastercard wholesale exchange rate applies
    Withdrawals:
    ATM allowance: £500 / €900 / 4500 lei
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
    Fee applicable once ATM allowance detailed above is exceeded: 2% per Transaction
    Currency exchange on using the Monese Card for ATM withdrawals in foreign currency: Free within allowance, Mastercard wholesale exchange rate applies
    Insurance (UK only):
    Bills Protection: Free within limits

    Premium

    Core Account
    Monthly Fee: £14.95 / €14.95 / 69.95 lei for using any number of Monese Accounts (for example if you hold a Monese Premium GBP Account and Monese Premium EUR Account as well, you’ll only pay £14.95 / €14.95 in total). After paying your first monthly fee when joining Monese Premium GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
    Annual Fee: £124.95 / €124.95 / 585.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £124.95 / €124.95 in total).
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (free standard delivery)
    Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (free standard delivery)
    Card replacement (in case of being lost/stolen or expired): Free (free standard delivery)__
    Checking your balance and transactions in-App: Free
    Locking and unlocking Monese Card: Free
    Money Management Features: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Monese Customer Service: Free Priority Service
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Top-up made via Sofort: Free
    Cash top-up allowance: £1000 / €1000 / 7500 lei
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): Included in Cash top-up Allowance
    Post Office cash load (available for Monese GBP Account only: Free within Cash top-up Allowance
    PayPoint cash load (available for Monese GBP Account only): Free within Cash top-up Allowance
    Fee applicable once Cash top-up allowance detailed above is exceeded: 3.5% per Transaction (€3 / 15 lei minimum fee applies for Paysafecash)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free
    Real time transfers between Monese Accounts owned by different users: Free
    Outgoing domestic and international transfers allowance: 200 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate at no adjustment
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate at no adjustment
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in international currency: Free, Mastercard wholesale exchange rate applies
    Withdrawals:
    ATM allowance: £1500 / €2500 / 12500 lei
    ATM allowance: Free within allowance
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
    Fee applicable once ATM allowance detailed above is exceeded: 2% per Transaction
    Currency exchange on using the Monese Card for ATM withdrawals in foreign currency: Free within allowance, Mastercard wholesale exchange rate applies
    Insurance (UK only):
    Bills Protection: Free within limits
    Purchase Protection: Free within limits

    Joint Account

    Core Account
    Monthly Fee: Free
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__
    Checking your balance and transactions in-App: Free
    Locking and unlocking Monese Card: Free
    Money Management Features: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Monese Customer Service: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Top-up made via Sofort: Free within ATM & Top-up Allowance (see below)
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): 3.5% per Transaction (€3 / 15 lei minimum fee applies)
    Post Office cash load (available for Monese GBP Account only): 3.50% (minimum £3)
    PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 50 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate at no adjustment
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies
    Foreign Currency Spend Allowance (Monese Card only): £2000 / €2000 / 10,000 lei
    Purchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona: Free within allowance, Mastercard wholesale exchange rate applies
    Fee applicable once Foreign Currency Spend Allowance is exceeded: 2% per Transaction, Mastercard wholesale exchange rate applies
    Withdrawals:
    ATM & top-up Allowance: The allowance is shared between all of your Monese Accounts: £200 / €200 / 1000 lei
    ATM withdrawals worldwide: Free within ATM & Top up Allowance
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free within ATM & Top up Allowance
    Fee applicable once ATM & top-up allowance detailed above is exceeded: 2% per Transaction

    Legacy Plans

    Simple

    Core Account
    Monthly Fee: Free
    Annual Fee: Free
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei - standard delivery fee applies)
    Second physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Card replacement (in case of being lost/stolen or expired): Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Checking your balance and transactions in-App: Free
    Locking and unlocking Monese Card: Free
    Money Management Features: Free
    E-mail alerts, mobile notifications, in-App and SMS messages: Free (standard operator SMS charges may apply)
    Monese Customer Service: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Top-up made via Sofort: Free within ATM & Top-up Allowance (see below)
    Top up via Paysafecash (available for Monese EUR and RON Accounts only): 3.5% per Transaction (€3 / 15 lei minimum fee applies)
    Post Office cash load (available for Monese GBP Account only: 3.50% (minimum £3)
    PayPoint cash load (available for Monese GBP Account only): 3.50% (minimum £3)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 50 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate at no adjustment
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies
    Foreign Currency Spend Allowance (Monese Card only): £2000 / €2000 / 10,000 lei
    Monese Card purchases (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including: Free within allowance, Mastercard wholesale exchange rate applies
    Fee applicable once Foreign Currency Spend Allowance is exceeded: 2% per Transaction, Mastercard wholesale exchange rate applies
    Withdrawals:
    ATM & Top up Allowance. The allowance is shared between all of your Monese Accounts: £200 / €200 / 1000 lei
    ATM withdrawals worldwide: Free within allowance
    Cashback cash withdrawal in store (available for Monese GBP Account only): Free within allowance
    Fee applicable once ATM & top-up allowance detailed above is exceeded: 2% per Transaction

    Plus

    Core fees
    Monthly Fee: €4.95 / £4.95 / 19.95 lei for using any number of Monese Accounts (for example if you hold a Monese Plus Account and Monese Plus EUR Account as well, you’ll only pay €4.95 in total). After paying your first monthly fee when joining Monese Plus, you won’t pay a monthly fee if you don’t have any money in your Monese Account.
    Monese Account Opening: Free
    Closing your Monese Account: Free
    Issuance of Virtual Monese Card: Free
    First physical Monese Card with your Monese GBP Account or Monese EUR Account: Free (free standard delivery)
    Additional/lost/family physical Monese card: Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)
    Checking your balance and transactions in-App: Free
    E-mail alerts, mobile notifications, in-App and SMS messages:__Free
    Locking and unlocking Monese Card: Free
    Monese Customer Service: Free
    Money Management Features: Free
    Top-ups & Deposits
    EU Customer Debit Card top-up: Free
    International Debit Card top-up: Free
    Sofort top-up: Free
    Cash top-up via Paysafecash (available for Monese EUR and RON Accounts only): €2.5 / 12 lei per Transaction
    Post Office cash load (available for Monese GBP Account only): £1 per transaction
    PayPoint cash load (available for Monese GBP Account only): 2.50% (minimum £1)
    Sending and receiving money & Transfers
    Real time transfers between Monese Accounts (including pots) owned by the same user: Free (subject to currency exchange fee)
    Real time transfers between Monese Accounts owned by different users: Free (subject to currency exchange fee)
    Outgoing domestic and international transfers allowance: 100 transactions per month
    Outgoing domestic and international transfers: Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance
    Incoming bank transfers: Free
    Direct Debits: Free
    Currency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users: Your money is converted at the wholesale exchange rate at no adjustment
    Currency exchange on outgoing international transfers from the Monese App: Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum £2 / €2 / 8 lei)
    Card Spend
    Apple/Google pay: Free
    Purchases with Monese Card (Online and POS) in card currency: Free
    Currency exchange for purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies
    Currency exchange for purchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 0.5% of the transaction value
    Withdrawals
    ATM withdrawals: 6 free transactions in your monthly fee period from all your Monese Accounts combined (€1.5 / £1.5 / 6 lei per withdrawal from 7th transaction. Subject to currency exchange fees)

    | Cashback cash withdrawal in store (available for Monese GBP Account only): Free | Currency exchange on using the Monese Card for ATM withdrawals in international currencies in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies | | Currency exchange on using the Monese Card for ATM withdrawals in international currencies other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 0.5% of the transaction value |

    Limits

    Monese GBP Account

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

    When applying for a Monese GBP Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below.

    You can choose to apply for a Monese Joint Account with another person with the below limits applying to both Monese Account and Monese Card holders.

    All Plans

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

    Essential plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim: £ 600
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £15
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 450
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days

    Classic plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim: £ 1,200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £30
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 900
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £1,000
    Purchase Protection Aggregate Limit per year: £2,500
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 90 days

    Premium plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim: £ 1,800
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £50
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 1,500
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £4,000
    Purchase Protection Aggregate Limit per year: £10,000
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 180 days

    Monese EUR Account

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

    When applying for a Monese EUR Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below.

    You can choose to apply for a Monese Joint Account with another person with the below limits applying to both Monese Account and Monese Card holders.

    All Plans

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

    Essential plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 600
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 3 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £15
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 450
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days

    Classic plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 1,200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 6 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £30
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 900
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £1,000
    Purchase Protection Aggregate Limit per year: £2,500
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 90 days

    Premium plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 300
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 1,800
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 6 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £50
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 1,500
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £4,000
    Purchase Protection Aggregate Limit per year: £10,000
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 180 days

    Monese RON Account

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

    When applying for a Monese EUR Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below.

    All Plans

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

    Essential plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 600
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 3 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £15
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 450
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days

    Classic plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 1,200
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 6 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £30
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 900
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £1,000
    Purchase Protection Aggregate Limit per year: £2,500
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 90 days

    Premium plan (UK only)

    Limits
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Limit per claim per month: £ 300
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Aggregate Limit per year: £ 1,800
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Maximum benefit duration: 6 months
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Waiting Period: 30 days
    Bills Protection (Accident, Sickness & Involuntary Loss of Employment) Qualifying Period: 0 days
    Bills Protection (Hospitalisation Stay) Limit per day: £50
    Bills Protection (Hospitalisation Stay) Aggregate Limit per year: £ 1,500
    Bills Protection (Hospitalisation Stay) Maximum benefit duration: 30 days
    Bills Protection (Hospitalisation Stay) Waiting Period: 48 hours
    Bills Protection (Hospitalisation Stay) Qualifying Period (sickness): 30 days
    Bills Protection (Hospitalisation Stay) Qualifying Period (accident): 0 days
    Purchase Protection Limit per Claim: £4,000
    Purchase Protection Aggregate Limit per year: £10,000
    Purchase Protection Deductible (minimum value): £50
    Purchase Protection Maximum Days from date of purchase or delivery: 180 days