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Mulenga Agley

Alex McFarlane

Gabby

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We're with you on the go (Global)

Loren

We’re very excited to announce the launch of our cloud-based transactional banking platform alongside a strategic partnership with [Investec](https://www.investec.com/en_int/welcome-to-investec.html "Investec Homepage"). 

The pandemic has accelerated digital transformations significantly. Yet many businesses across Europe have been left behind, trying to ‘unlock’ digital financial services. This includes some banks, but also online businesses like marketplaces, and even some fintechs. There is a huge appetite amongst traditional and non-traditional companies to reduce the transformation time from years to months or even weeks. 

With this platform, we believe we can help these businesses take their digital banking offering to a totally new level, get them to market as quickly as possible and get them ahead of consumer demand.

Our new BaaS platform is cloud-based, modular and fully integrated with leading financial services partners. BaaS users will have access to everything they need to deliver services like core money management technology to risk engine or mobile app development. Clients will be able to use the platform to build fully bespoke, end-to-end, online money management services which can be customised from country to country. 

This makes our platform cost-effective and scalable, while also giving financial service providers the ability to offer a modern digital money management experience to consumers fast.

Investec is a distinctive bank offering investment and wealth management services to private, institutional and corporate clients. They’ll be adopting our new BaaS platform to accelerate the development of its transactional banking proposition in collaboration with us at Monese. 

At Monese and Investec, we’re closely aligned and committed to opening up the full extent of digital banking possibilities for consumers, especially in a post-pandemic world. Together, we aim to make sure that banks, fintechs and marketplaces can meet the accelerating post-pandemic demand for modern digital financial services amongst consumers.

__Norris Koppel, Founder and CEO of Monese, said:__ “We’re very excited to launch our BaaS platform and delighted to have such a distinguished partner in Investec, who brings a great deal of experience in delivering exceptional banking services. 

At Monese, we have built a cutting-edge technology platform, one that is tried-and-tested and integrated with some of the best partners in the business. In our experience, core banking providers only cover a small part of the products and services that are required to meet the demands of modern digital banking and so our BaaS offering is completely end-to-end – it’s everything you would need to launch a current account from scratch”. 

__Lyndon Subroyen, Global head of digital and technology at Investec, said:__ “We have a longstanding relationship with Monese, having invested in them through Outward VC fund, and smaller investment vehicles in recent years. This strategic partnership will enable us to leverage their scale, expertise and digital capabilities to deliver Investec’s digital current account offering in the UK. We’re confident that in Monese we’ve found the best partner that will bring enhanced capability for our clients”.

Our partnership with Investec is just one of many we’re proud to have collaborated on in the past year, which has included a European multi-year strategic partnership with Mastercard and we’ve also adopted Though Machine’s cloud narrative core banking platform, Vault.

Our new BaaS platform will complement our mobile money app, which allows customers across Europe to [open an account](https://monese.com/features/account-opening "Opening an account has never been easier") quickly in multiple languages and currencies. If you’re interested in learning more about the platform, email us at [platform@monese.com](mailto:platform@monese.com) with any questions.

Plus announcing new strategic partnership with Investec 

Our Banking-as-a-Service platform is here   

Baas Hero

baas banking as-a-service monese coins cloud-based platform technology

Blog > Banking-as-a-Service

We’re very excited to announce the launch of our cloud-based transactional banking platform alongside a strategic partnership with Investec. 

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. 

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

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.

<br/><br/> 

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.
<br/><br/>

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).

<br/><br/>
__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.

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

## 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?
<p><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></p>

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. 

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

## 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

Le Royaume-Uni a quitté officiellement l'Union européenne. Une période de transition va s'en suivre, où les deux parties détermineront leurs futures relations. Mais peu importe le résultat final, nous sommes là pour vous rassurer et vous dire que nous sommes pleinement préparés à toutes possibilités.

Pour concrétiser ces ambitions, nous savions que nous devions être bien implantés pour accompagner de nombreux clients, dans le monde entier et ce, indépendamment du Brexit.

C'est pourquoi, quoi qu'il arrive, vous continuerez à bénéficier du même service, intelligent et connecté :

- Vous pouvez continuer à utiliser votre compte et vos cartes Monese.
- Vous pouvez continuer à envoyer et recevoir de l'argent.
- Vous pouvez continuer à envoyer de l'argent à l'étranger à des tarifs avantageux.
- Vous pouvez continuer à utiliser toutes les fonctionnalités que vous connaissez et que vous aimez dans votre appli Monese.

## En quoi cela va-t-il m'affecter ?

Il est important de noter qu'il n'y aura aucun changement dans le fonctionnement de votre compte et de votre carte Monese. Vous n'avez rien à faire si ce n'est de continuer à les utiliser comme à votre habitude. Comment Monese s'est-elle préparée ?

Nous avons travaillé avec notre partenaire de licence pour créer une nouvelle entité réglementée en Belgique. Cela a été mise en place l'année dernière et nous permettra de vous fournir le même niveau de services après le Brexit.

__Si vous vivez au Royaume-Uni__ et disposez d'un compte Monese, il continuera à être réglementé par la Financial Conduct Authority (FCA) au Royaume-Uni. Si vous avez un compte EUR, vous garderez votre numéro de compte (IBAN) commençant par 'GB', et il fonctionnera comme avant.

__Si vous vivez en France__ et disposez d'un compte EUR, vous aurez pour l'heure toujours le même numéro de compte (IBAN) commençant par 'GB'. Toutefois, nous travaillons à vous offrir une bien meilleure solution, dont nous vous informerons bientôt.

__Si vous résidez ailleurs dans l'Espace économique européen__, votre compte Monese est dès à présent réglementé par la Banque Nationale de Belgique (NBB). Vous devriez déjà avoir reçu un nouveau numéro de compte (IBAN) pour votre compte EUR Monese. Il commence par 'BE' et vous pouvez dès maintenant l'utiliser pour configurer des prélèvements automatiques en euros ! Par ailleurs, sachez que votre ancien numéro de compte (IBAN) fonctionne toujours.

Vous pouvez à tout moment retrouver vos coordonnées bancaires dans votre appli Monese, sur l'écran d'accueil, sous votre solde, en cliquant sur "Coordonnées bancaires".

## Que se passera-t-il ensuite ?
La période de transition devrait durer jusqu'au 31 décembre 2020. Pendant ce temps, le Royaume-Uni négociera ses relations commerciales avec l'UE et de nombreux autres pays du monde. Nous suivrons bien entendu ces événements de très près, tout en travaillant avec nos partenaires et régulateurs pour nous adapter à tout changement qui pourrait se produire l'année prochaine.

Nous continuerons à vous tenir informés régulièrement à ce sujet ! Toutefois, nous tenons à vous rassurer : vous pouvez continuer à utiliser votre compte Monese comme vous l'avez toujours fait. Vous pouvez également retrouver plus d'information dans nos [Termes et Conditions](https://monese.com/gb/fr/terms?l=c). Et si vous avez d'autres questions sur le Brexit et ce que cela pourrait signifier pour votre compte Monese, n'hésitez pas à contacter notre équipe support par mail à l'adresse suivante : [support@monese.com](mailto:support@monese.com).

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

Nous sommes parfaitement préparés à ce scénario et aucun changement ne sera apporté au fonctionnement de votre compte Monese

Le Brexit est là mais nous sommes prêts

Suite aux [mises à jour du mois dernier](https://monese.com/blog/2019/09/update-preparations-brexit), nous voulons vous en dire plus sur la mise en place d'un service toujours plus localisé dans toute l’Europe pour nos clients.

__Nous sommes ravis de vous annoncer que nous avons commencé à attribuer  des numéros de compte européens (IBAN) pour les comptes Monese EUR aux clients basés en dehors du Royaume-Uni !__

## Où est mon nouveau numéro de compte EUR ?
![eur-iban-account-number-1b](//images.ctfassets.net/96dxy75w1gjr/5u0NHa7RNJSomy7COoYvu8/4c5fa51700ba91e05ed0d961f23fdc4e/eur-iban-account-number-1b.png)

Si vous résidez en dehors du Royaume-Uni ou de la France, vous pouvez trouver le nouveau numéro de votre compte Monese EUR (ou IBAN) dans la section "Coordonnées bancaires". Il commence par les lettres "BE". Vous pouvez également le trouver dans le menu "Compte", en haut à gauche. Si vous ne le voyez pas, assurez-vous bien d’utiliser la dernière version de l’appli.

Votre ancien IBAN (commençant par les lettres "GB") et le code BIC resteront visibles sous "Coordonnées bancaires" et continueront à fonctionner normalement. Cela signifie que vous pourrez toujours recevoir de l’argent. Nous vous recommandons toutefois de commencer à utiliser votre nouvel IBAN "BE" pour tout paiement entrant (comme les virements bancaires). Vous pouvez le partager facilement avec n’importe qui, y compris votre employeur, en cliquant sur "Partager" dans la section "Coordonnées bancaires".

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

Pas d'inquiétude, il n’y a aucun changement dans le fonctionnement de votre compte et de votre carte Monese. Vous pouvez continuer à les utiliser normalement et ce, sans rien faire.

## Si vous résidez en GB ou en France

Si vous résidez au Royaume-Uni, votre compte Monese continuera à être réglementé par la Financial Conduct Authority en GB. Cela signifie que votre compte EUR commencera toujours par les lettres "GB" et que vous pourrez utiliser votre compte en GBP pour configurer des prélèvements automatiques en GB.

Si vous résidez en France, votre nouvel IBAN n’est pas encore prêt mais restez à l'affût, nous aurons une bonne nouvelle pour vous !

## Bienvenue aux prélèvements automatiques

L’un des avantages de votre nouvel IBAN, si vous résidez en dehors du Royaume-Uni, est que vous pourrez effectuer des paiements par prélèvement automatique à partir de votre compte personnel EUR !

Les prélèvements automatiques constituent un moyen simple et pratique de gérer vos paiements et vos factures à partir de votre compte Monese. Ils vous garantissent que vos factures sont payées automatiquement, de sorte que vous ne ratiez jamais un paiement. Ceux-ci fonctionnent dans le cadre du programme SEPA. Pour en savoir plus, c'est par [ici](https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direct-debit).

Pour paramétrer un prélèvement automatique, appuyez sur "Plus" sur l'écran d'accueil. De là, vous aurez une option pour configurer un paiement par prélèvement automatique.

Nous sommes vraiment impatients de voir comment vous allez utiliser vos nouveaux numéros de compte EUR ainsi que les prélèvements automatiques. Si vous voulez en savoir plus sur ces changements, n'hésitez pas à explorer notre [Rubrique Aide](https://support.monese.com/hc/fr/categories/360000729699-Le-Brexit-et-l-entit%C3%A9-de-l-UE) ou consultez la dernière version de nos [Termes et Conditions](https://monese.com/gb/fr/terms?l=c). Pour toute question, n'hésitez pas à contacter notre [Service client](https://monese.com/gb/fr/contact?l=c) qui se fera un plaisir de vous aider.

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

Dernières mises à jour concernant la mise en place d'un service Monese encore plus localisé, indépendamment du Brexit

Présentation de votre nouveau numéro de compte courant européen

### 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

<p>Nous avons de bonnes nouvelles !</p>
<p>Cette semaine, Monese a dépassé le chiffre magique : plus <strong>d'1 MILLION</strong> de personnes se sont inscrites ! C’est fantastique car cela prouve que nous avons une réelle valeur ajoutée et nous sommes extrêmement fiers d’avoir atteint ce pallier.
</p>
<p>Chez Monese, nous avons tenu à ce que notre vision de proposer à nos clients un nouveau service financier qui répond toujours plus à leurs besoins soit respectée : <strong>notre service leur permet en effet de jouir d'une liberté financière où qu'ils se trouvent dans le monde.</strong>
</p>
<p>Il y a des années, j'ai déménagé au Royaume-Uni avec à la clé une excellente opportunité professionnelle et beaucoup d'espoirs quant au prochain chapitre de ma vie. Toutefois, ouvrir un compte en banque m'a pris des mois. Ce fût une expérience coûteuse et pénible. Aussi, Monese a été créé afin que l'ouverture d'un compte bancaire ,dans un nouveau pays, ne soit plus une épreuve.
</p>
<p>Aujourd'hui, de plus en plus de personnes recherchent cette liberté financière étant elles-mêmes de plus en plus mobiles, avec un besoin accru de se déplacer pour des raisons professionnelles ou familiales. Mais également pour les études, dans le cadre d'un voyage d'affaire ou de loisir ou encore pour la retraite. C'est pourquoi, nous pensons que les banques devraient vous accompagner à chaque étape afin que vous puissiez vous concentrer uniquement sur la réalisation de vos objectifs.</p>
<p>Chaque jour, plus de 3 000 personnes rejoignent Monese, dans 31 pays d’Europe et nous sommes utilisés comme compte principal par la majorité de nos clients. Nous sommes disponibles en 12 langues (et plus encore). Bien entendu, nous poursuivons nos efforts car nous souhaitons vraiment être une banque locale, proche de vous et de vos besoins et ce, peu importe où vous vous trouvez.
</p>
<p>Nous avons travaillé dur pour améliorer Monese en introduisant de nouveaux services tels que Apple Pay, Monese Business ou encore un partenariat exclusif avec Avios. Nous avons également introduit de nouvelles fonctionnalités vous permettant de mieux gérer votre argent. Nous continuons à être touchés par vos commentaires et le soutien que nous recevons de nos clients au quotidien. En voici quelques exemples : 
</p>
<p>Diane - "Je ne pouvais obtenir de compte bancaire nulle part sans une preuve d’adresse dont je ne disposais pas encore. Monese a été la seule solution que j’ai trouvé qui m’ait permis d'obtenir une carte prépayée, un code banque et un numéro de compte afin que je puisse envoyer et recevoir de l’argent (loyer, salaire) et qui me permettait également de mettre en place des prélèvements automatiques, ce qui était essentiel pour les factures, notamment pour les services publics. Je suis passée du stade où j'étais incroyablement frustrée par l’impossibilité d’obtenir un compte bancaire au point où je me suis dit que je n’en avais plus vraiment besoin."
</p>
<p>Ari - "J'ai attendu 2 heures dans l'agence près de chez moi pour ouvrir un compte bancaire et après 2 heures, j'étais encore à mi-chemin dans la file d'attente ! Je suis donc rentré chez moi et en 7 minutes j'avais mon compte Monese, une carte qui m'était envoyée et un compte courant au Royaume-Uni avant même d'être sur place."
</p>
<p>Lachezar - "J'utilise Monese depuis plus de 2 ans maintenant et ça ne fait que s'améliorer avec le temps. L'app devient de plus en plus conviviale à chaque mise à jour, je reçois une notification à chaque transaction pour ma tranquillité d'esprit et je peux également envoyer de l'argent à l'étranger pour littéralement rien par rapport aux autres solutions de paiement. Vous avez perdu votre carte ? Aucun problème ! Vous pouvez la bloquer dans l'application en quelques secondes et en commander une nouvelle. La mienne est arrivée en moins de deux jours. C'est tout simplement une révolution bancaire et je suis heureux d’en faire partie."
</p>
<p>Nous avons accompli tant de choses pour rester fidèle à notre vision d'un nouveau service financier répondant à vos besoins. Évidemment, nous n'allons pas nous arrêter en si bon chemin ! Beaucoup de choses sont encore à venir mais pour le moment, nous voudrions tout simplement dire un grand merci à tous nos clients pour avoir fait de Monese un tel succès. Nous n'aurions vraiment pas pu le faire sans vous !<br></p>
<p><a class="btn btn--blue" href="https://monese.com/gb/fr/download-now?l=c">Démarrez maintenant</a><br></p>
<p><br></p>

Plus d’un million de personnes sont maintenant inscrites à Monese et nous n’aurions pas pu le faire sans vous !

Un million de fois merci !

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

<p>Nous sommes ravis de vous annoncer que nous faisons un essai avec le Post Office qui selon nous, aura un impact positif pour de nombreux nouveaux arrivants au Royaume-Uni, en particulier les membres de la communauté de réfugiés. Cela fait partie de nos efforts continus pour rendre les opérations bancaires accessibles à tous, avec l'aide d'organisations de confiance à l'échelle nationale.</p>
<p><br></p>
<h3>28 jours
</h3>
<p>L'idée est née d'un besoin que nous avons observé en travaillant avec des réfugiés. Lorsqu'ils obtiennent l'asile au Royaume-Uni, ils disposent de 28 jours pour trouver un emploi, toucher des prestations (35,39£ par semaine), trouver un logement et ouvrir un compte bancaire. Ce délai est très court et absolument essentiel pour que les réfugiés nouvellement reconnus démarrent sur de bonnes bases.
Selon <a href="https://www.theguardian.com/world/2017/sep/08/destitution-is-routine-refugees-face-homelessness-even-after-gaining-asylum" target="_blank">une enquête</a> du Conseil des réfugiés, environ la moitié vit dans un logement temporaire ou devient sans abri pendant cette période.
</p>
<p>C'est pour nous voulons offrir Monese comme alternative bancaire. Un compte est essentiel pour pouvoir entre autres, toucher un salaire et payer un loyer.
</p>
<p><br></p>
<h3>Le problème de l'adresse
</h3>
<p>Nous nous associons au Post Office pour permettre aux clients sans adresse résidentielle, qu’ils soient réfugiés ou non, d’enregistrer leur adresse de compte et de recevoir leur carte de débit en toute sécurité au bureau de Post Office local.
</p>
<p>Nous lançons le processus par un essai de huit semaines avec un petit nombre d'agences de Post Office sélectionnés à proximité d'organismes de réfugiés et migrants à but non lucratif.</p>
<p>Pour l'essai, nous collaborons également avec les<a href="http://www.eeac.org.uk/#/">East European Resource Centre</a> à Londres, <a href="http://retasleeds.weebly.com/">Refugee Education Training Advice Service</a> à Leeds, the <a href="http://refsource.gebnet.co.uk/directory/derby-refugee-advice-centre">Derby Refugee Advice Centre</a>, <a href="https://refuaid.org/">RefuAid,</a> <a href="http://www.garas.org.uk/">Gloucestershire Action for Refugees and Asylum Seekers</a>, and <a href="http://www.jetnorth.org.uk/">Jobs Education and Training North</a>, basé à Newcastle. Nous espérons que la multiplication des partenaires à travers le pays nous permettra de tester le système dans diverses situations afin de nous assurer qu’il s’agit d’une solution nationale et non locale.
</p>
<p>En tant qu'entreprise, nous avons toujours eu l'inclusion financière au centre de nos préoccupations et nous voulons nous assurer que nous faisons tout ce que nous pouvons pour intégrer cela dans nos processus futurs. Nous sommes vraiment enthousiasmés par cet essai et espérons qu'il constituera une solution solide pour nos clients.</p>
<p>En tant qu'entreprise, nous avons toujours eu l'intégration financière au centre de nos préoccupations et nous voulons nous assurer que nous faisons tout ce que nous pouvons pour inclure cela dans nos processus futurs. Nous sommes vraiment très enthousiastes de faire cet essai et espérons qu'il constituera une solution solide pour nos clients.</p>

Nous lançons un programme d'essai avec le Post Office, afin d'aider les personnes sans adresse résidentielle à ouvrir à un compte Monese

Pas d'adresse ? Pas de problème

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

<p>À deux mois de la date clé du Brexit, le 29 mars 2019, nous souhaitons vous tenir informé sur nos préparatifs pour le Brexit et vous informer qu'en tant que client de Monese, nous sommes là pour vous !<br></p>
<p><br></p>
<h3>Une entreprise d’ampleur mondiale depuis le début</h3>
<p>Chez Monese, nous développons un nouveau type de services bancaires, des services qui se limitent ni aux frontières nationales, ni aux frontières financières. Des services bancaires qui facilitent la vie, les études, le travail, les voyages et la retraite n'importe où dans le monde ; qui sont rapides et permettent aux personnes de rester connectées ; dans leur langue, peu importe le lieu de résidence.
</p>
<p>Pour concrétiser ces ambitions, nous savions que nous devions être bien implantés pour servir de nombreux clients, dans de multiples pays et dans le monde entier ; indépendamment du Brexit.
</p>
<p><br></p>
<h3>Que signifie le Brexit pour vos services Monese ?
</h3>
<p>Comme vous le savez sûrement, nous ignorons encore dans quelles conditions le Royaume-Uni sortira de l'UE. Il est possible que cela se produise sans un accord négocié à la date clé du 29 mars 2019 (c’est-à-dire communément appelé "Hard Brexit"). 
</p>
<p>Chez Monese, nous sommes parfaitement préparés à tout scénario de Brexit. Cela signifie que nous pourrons continuer à servir tous nos clients en Europe, sans interruption.
</p>
<p><strong>À deux mois de cette date clé, nous tenons à vous assurer que rien ne changera au niveau des services dont vous bénéficiez, ni par rapport aux frais qui vous sont facturés. Vous n'aurez rien à faire. </strong>
</p>
<p><strong>Quoi qu’il arrive avec le Brexit, vous continuerez à bénéficier du même service smart et connecté : </strong>
</p>
<ul><li>Vous pourrez continuer à utiliser votre compte courant Monese et votre carte de débit
</li><li>Les paiements continueront à être envoyés et réceptionnés
</li><li>Vous pourrez continuer à transférer de l’argent à l’étranger
</li><li>Les frais n'augmenteront pas et resteront transparents
</li></ul>
<p>"Si" et "quand" le Brexit aura lieu, nous devrons mettre à jour nos Termes et Conditions pour tous les clients, afin de tenir compte des modifications réglementaires en vigueur pour nos clients basés dans le reste de l'Europe. A l'heure actuelle, les termes et le calendrier pour la sortie du Royaume-Uni de l'UE restent flous. Mais ne vous inquiétez pas dès que nous en saurons plus, nous vous recontacterons expressément concernant les <a href="https://monese.com/gb/fr/terms?l=c">Termes et Conditions</a>. 
Retrouvez <a href="https://support.monese.com/hc/fr/categories/360000729699-Brexit-et-Monese" target="_blank">ici</a> des informations concernant le Brexit et pour toute questions n'hésitez pas à contacter <a href="https://monese.com/gb/fr/contact?l=c">notre service client</a>.</p>
<p><br></p>

À deux mois de la date clé du Brexit le 29 mars, nous souhaitons vous informer sur nos préparatifs.

Brexit : nous sommes là pour vous !

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.

<p>Les vacances de Noël sont bel et bien là et à cette occasion, je tenais à vous remercier pour tout le soutien que vous nous avez apporté durant cette année. Nous aimerions également partager les moments qui ont marqué l'année 2018 pour Monese et vous donner un avant-goût de ce qui vous attend en 2019 !<br></p>
<p>Chez Monese, nous proposons de nouveaux services bancaires, des services qui ne se limitent, ni aux frontières nationales, ni aux frontières financières. Des services bancaires qui facilitent la vie, les études, le travail, les voyages et la retraite et ce, n'importe où dans le monde ; qui sont rapides et permettent aux personnes de rester connectées les unes aux autres ; dans leur langue, peu importe leur lieu de résidence.
</p>
<p>Nous espérons que l’année prochaine sera encore pleine de surprises et nous avons déjà hâte d’y être !
</p>
<p><br></p>
<h2>2018 : une année sous le signe de la croissance</h2>
<figure><img src="{asset:3706:url}"></figure>
<p><br></p>
<p>Cette année a été sous le signe de la transformation pour Monese ! En effet, elle nous a permis d’étendre notre activité et ce, à plusieurs niveaux. Nous avons également célébré notre cinquième anniversaire, ce qui nous a donné une bonne occasion de nous arrêter un moment pour prendre le temps de regarder en arrière et réfléchir à tout ce que nous avons accompli jusqu'à présent<br></p>
<h4>Plus de 700 000 inscrits</h4>
<p>
Chaque jour, des milliers de personnes rejoignent Monese. En 2018, le nombre d'inscriptions a triplé et nous allons bientôt atteindre les un million d’inscrits. La plupart de nos clients utilisent Monese comme compte principal et l’utilisent donc pour recevoir leurs salaires (75%). Ce qui nous prouve que Monese répond à un réel besoin.
</p>
<h4>Bonjour les petites entreprises</h4>
<p>
Il y a quelques mois, nous avons lancé Monese Pro, élargissant ainsi notre offre aux aux petites entreprises basées au Royaume-Uni. Le compte professionnel Monese peut être ouvert en cinq minutes seulement et ce, à partir de l’application. Nous savons combien l’ouverture d’un compte professionnel peut être quelque chose de fastidieux et compliqué, surtout si vous n’êtes pas issu(e) du pays dans lequel vous vivez. Cela peut parfois prendre des semaines, voire des mois. Grâce à Monese Pro, nous accélérons et simplifions sans cesse ce processus.
</p>
<p><img src="{asset:3710:url}"></p>
<p><br></p>
<p>Nous savons que la vie des entrepreneurs va à 100 à l’heure et que leur travail les conduit à voyager régulièrement dans le monde entier. Ils ont donc besoin que leurs opérations bancaires soient rapides et transparentes. Les services bancaires ne devraient pas être un frein pour les entrepreneurs, bien au contraire. Ils devraient plutôt les accompagner dans chaque étape de leur vie professionnelle, où qu'ils se trouvent dans le monde.
</p>
<h4>De nouvelles fonctionnalités</h4>
<p>
</p>
<p>En outre, nous avons intégré de nouvelles fonctionnalités qui vous permettent, entre autres : 
</p>
<ul><li>De sélectionner, directement via votre liste de contacts, les personnes auxquelles vous souhaitez transférer de l’argent et les ajouter en tant que bénéficiaire, que ce soit pour des paiements réguliers ou ponctuels ; 
</li><li>De faire vos achats en ligne de manière plus sûre, grâce à la technologie 3D Secure qui est une garantie supplémentaire de sécurité en vous envoyant par SMS un mot de passe. Ce dernier étant à saisir avant de procéder à l'achat ; 
</li><li>De garder un oeil sur les paiements effectués dans votre application ;
</li><li>Ou encore de mettre en place des paiements réguliers, sous forme de montants fixes, à des amis, à votre famille ou à des fournisseurs de services.
</li></ul>
<p>Nous avons également ajouté de nouvelles devises et nous offrons de nouvelles cartes pour lesquelles nous avons repensé le design.
</p>
<p><br></p>
<figure><img src="{asset:3704:url}"></figure>
<p><br></p>
<h4>Nous parlons votre langue</h4>
<p>
Les clients Monese peuvent utiliser notre application dans 12 langues différentes et nous ne comptons pas nous arrêter en si bon chemin ! Nous prévoyons d'introduire de nombreuses autres fonctionnalités courant 2019. 
</p>
<p>De plus, nous fournissons également un support client intégré à l'application et ce, dans 28 langues. Si vous avez besoin de nous contacter, il y a de fortes chances que nous puissions vous répondre dans votre langue. 
</p>
<h4>Monese Premium </h4>
<p>
Début 2018, nous avons lancé notre compte Premium. Pour celui-ci, nous avons supprimé tous les frais de transaction et de change, offrant ainsi une expérience bancaire mobile optimale. Nous recommandons sans aucune hésitation notre formule Premium comme étant la plus adaptée à toutes les personnes qui voyagent régulièrement, que ce soit pour des raisons professionnelles ou pour le plaisir. Si vous voyagez pendant trois mois dans le monde entier ou si vous passez deux semaines en vacances, vous n’avez aucune raison de vous inquiéter des restrictions concernant les retraits ou encore les frais de change. Notre compte Premium représente la solution bancaire la plus avantageuse lorsqu’il s’agit d'envoyer des sommes importantes d'argent à l'étranger. Tout est inclus dans le coût de la carte et plafonné à un tarif mensuel, ce qui en fait une expérience bancaire d’exception, rentable, sans stress et totalement illimitée.
</p>
<p><br></p>
<figure><img src="{asset:3708:url}"></figure>
<p><br></p>
<h4>Une des FinTech à la croissance la plus rapide</h4>
<p>
Monese est l'une des FinTech à la croissance la plus rapide en Europe, comme en témoignent les investisseurs qui ont cru en nous en septembre dernier. Pour rappel, nous avons obtenu un financement supplémentaire de 60 millions de dollars avec Kinnevik, PayPal, International Airlines Group et Augmentum Fintech. Cet investissement sert à la fois notre développement produits mais également notre expansion internationale nous permettant ainsi de rendre notre service accessible à un plus grand nombre de clients. Ces investisseurs apportent un niveau d'expertise inégalé dans leur domaine et nous aident à avancer dans les prochaines étapes de notre croissance. Nous avons récemment été nommés par le journal britannique ‘’Sunday Times Fast Track’’ parmi les 10 « entreprises disruptives à surveiller » en 2018.
</p>
<h4>Nouveaux bureaux</h4>
<p> Nous avons récemment ouvert deux nouveaux bureaux à Lisbonne et à Berlin. Notre équipe compte actuellement plus de 200 personnes réparties dans nos différents locaux au Royaume-Uni, en Estonie, au Portugal et en Allemagne.</p>
<p>
Nous avons vraiment été touchés par le soutien que vous nous avez apporté sur des sites tels que Trustpilot, où vous nous avez attribué l’excellente note de 9.1 / 10. Grâce à vous, nous sommes l’une des sociétés les mieux notées sur le site dans le domaine des services bancaires ! 
</p>
<p><br></p>
<h2>À venir début 2019</h2>
<p>Nous travaillons déjà sur de nouveaux produits et fonctionnalités qui arriveront directement sur votre application Monese début 2019. Alors restez à l'affût ! </p>
<h4>Des nouveaux moyens de paiement</h4>
<p>
Nous travaillons au lancement de nouveaux moyens de paiement. Les différentes conversations que nous avons eues avec certains de nos clients nous ont appris que ces fonctionnalités sont très importantes, apportant davantage de confort et de sécurité. 
</p>
<h4>De nouvelles façons de gérer votre argent</h4>
<p>
Nous allons également introduire une gamme d'outils début 2019 afin que vous puissiez davantage contrôler vos finances et ce, directement depuis votre application Monese.
</p>
<h4>De nouveaux moyens pour ajouter des fonds sur votre compte</h4>
<p>
Nos clients peuvent ajouter des fonds sur leur compte Monese instantanément en utilisant la carte de débit Visa/Mastercard d'une autre banque, mais également par virements bancaires ou encore via les dépôts en espèces (ce dernier étant uniquement disponible au Royaume-Uni). Nous disposons déjà de plus de 40 000 emplacements pour effectuer des dépôts en espèces. Nous sommes actuellement en train de travailler sur d'autres moyens de recharger nos comptes Monese en Europe. À ce titre, nous allons bientôt lancer SOFORT, un nouveau moyen de paiement, utilisé fréquemment en Allemagne et en Autriche.
</p>
<h4>Rencontrer nos clients</h4>
<p>
Nous prévoyons d’organiser de nombreux événements clients en Europe. Nous apprécions de pouvoir rencontrer nos clients et d’échanger avec eux pour mieux comprendre de quelles manières nous pouvons améliorer nos services afin qu’ils répondent davantage à leurs besoins. Attendez-vous donc à avoir de nos nouvelles en cette nouvelle année !
</p>
<p><img src="{asset:3714:url}"></p>
<p><em><strong><br></strong></em></p>
<h4>Nous recrutons !</h4>
<p>Enfin, nous savons que 2019 sera encore meilleure que 2018. Nous progressons sans cesse et ce, à tous les niveaux, ce qui signifie que nous recrutons. Alors n'hésitez pas à jeter un oeil à nos postes vacants ou si vous connaissez des personnes qui souhaiteraient contribuer à la création d'un service bancaire intelligent et connecté au monde entier, <a href="https://monese.com/careers">nous recrutons en ce moment même pour les postes suivants</a></p>
<p><a href="https://monese.com/careers"></a></p>
<p><a href="https://monese.com/careers"></a></p>
<p><a href="https://monese.com/careers"><br></a></p>
<figure><img src="{asset:3707:url}" style="background-color: initial;"></figure>
<p><br></p>
<h4>Construire un service bancaire instantané pour les personnes mobiles</h4>
<p>
Chez Monese, nous travaillons à la création d’un service bancaire ultra connecté et portable dans le monde entier. Nous pensons que les banques doivent être intelligentes, inclusives et construites selon vos besoins.<br></p>
<p>
Merci encore pour votre soutien au cours de ces douze derniers mois, nous apprécions vraiment et nous sommes impatients de partager avec vous toutes nos nouveautés dans les mois à venir.
</p>
<p><br></p>
<p>
</p>
<p>Nous vous souhaitons à tous une très belle année 2019 !
</p>
<p><br></p>
<p>Norris Koppel<br></p>
<p>Founder & CEO </p>
<p><a href="https://monese.com/careers"></a><br></p>
<p><a href="https://monese.com/careers"></a></p>

Voici le meilleur de 2018 avec les moments qui ont marqué l'année pour Monese ainsi qu’un avant-goût de ce qui va se passer en 2019 !

Monese 2019 S

Blog post > Why we can't wait for 2019

Chez Monese, nous attendons 2019 avec impatience !

<p>Nous sommes officiellement accrédités en tant que <em>Living Wage Employer</em> et rejoignons ainsi les 4 700 entreprises au Royaume-Uni, qui estiment qu’une journée de travail mérite une rémunération juste. Entendez par <em>Living Wage Employer</em>, une entreprise qui ajuste son salaire minimum par rapport au coût de la vie réelle et permet donc à ses employés de vivre décemment.</p>
<p>Le salaire minimum dit ‘’vital’’ est calculé sur la base des besoins des personnes et s’adapte au coût de la vie réelle. Actuellement, le salaire minimum vital est de 9.00 £ de l’heure au Royaume-Uni et de 10.55 £ de l’heure à Londres. Un bond considérable sachant que le salaire minimum national était à l'époque de 7.8 £ de l’heure.</p>
<p>
Pour des milliers de personnes à travers le pays, le salaire minimum vital a amélioré considérablement leur bien-être en leur accordant davantage d’indépendance et de flexibilité. Les employés qui travaillent dur durant la journée, ont ainsi plus de temps à consacrer à leurs familles tout en montrant un regain d’énergie au travail. N'hésitez pas à jeter un oeil aux témoignages sur le site web de <a href="https://www.livingwage.org.uk/good-for-society">Living Wage</a>.
</p>
<p>Pour nous, adhérer à la Fondation Living Wage, consiste à nous responsabiliser pour les années à venir et ce, vis-à-vis des valeurs que nous défendons en tant qu'entreprise et à encourager les autres à faire de même. Nous nous engageons donc à augmenter la rémunération de nos salariés, chaque année, en fonction du coût de la vie. Cela permet également à tous nos employés, y compris les sous-traitants travaillant dans nos locaux, de s’exprimer s’ils considèrent qu’ils sont payés injustement.
</p>
<p>Par exemple, concernant notre personnel de nettoyage. Ils sont actuellement payés au salaire minimum vital de 10.20 £ de l’heure. Or, nous nous sommes engagés à les augmenter au cours des six prochains mois (bien que nous prévoyons d’essayer de le faire plus tôt).
</p>
<p>Nous sommes ravis de faire partie de ce mouvement. Cela étant important pour la santé et le bien-être de nos employés, mais également pour l’ensemble des salariés au Royaume-Uni. De plus, si nous souhaitons conserver notre statut de service bancaire accessible pour tous, il est essentiel de favoriser l’inclusion et l’équité et ce, à tous les niveaux de notre activité.
</p>

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

Monese adhère à la Fondation Living Wage pour plus d'équité !

<p>La semaine dernière, nous avons participé à la <a href="https://tallinn.startupweek.co/">Startup Week Tallinn</a> en organisant #MoneseMeets, un événement haut en couleur, au sein de nos nouveaux locaux, situés dans le quartier très branché de Telliskivi Creative City. Cet événement a été le premier organisé en ce lieu et nous l’avons donc inauguré comme il se doit ! 
</p>
<p>Près de 200 invités ont répondu présents afin de rencontrer nos équipes et découvrir les opportunités de carrière chez Monese.
</p>
<p>La soirée a été chaperonnée par Hanna-Mari et Norris, qui ont accueilli nos convives et présenter en quelques mots la société.</p>
<figure><img src="{asset:3680:url}"></figure>
<p><br></p>
<p>Nous avons ensuite animé un panel axé sur ce qu’on appelle ‘’la génération sans frontières’’ et durant lequel plusieurs personnes ont pris la parole : Sten Tamkivi (Topia), Maria Magdaleena Lamp (Jobbatical) ainsi que notre responsable du développement international, Lauri Haav. De nombreuses questions ont été abordées durant cet échange parmi lesquelles : qui se cache derrière la ‘’génération sans frontières’’ ? Qu'est-ce que signifie ‘’travailler sans frontières’’ ? Sommes-nous en train de nous diriger vers une société fermée, ou plutôt vers une société plus ouverte et ce, grâce aux avancées technologiques que nous constatons aujourd’hui ? Que reste-t-il à inventer ? Quoi qu’il en soit, ce fut une conversation qui en a inspiré plus d’un !
It was a very inspiring conversation!<br></p>
<figure><img src="{asset:3681:url}"></figure>
<p><br></p>
<p>Ensuite, chaque équipe a eu l'opportunité de présenter ses missions allant du quiz sur la fraude aux simulateurs de service clients. Et clou du spectacle : nos invités ont pu voter pour leur équipe favorite. Résultat des courses : notre équipe d'ingénierie mobile a gagné !<br></p>
<p>Sous ses airs de salon de l’emploi, nous nous sommes attelés à faire de cette soirée un moment unique. Glaces, cocktails, bières artisanales ou encore tournoi de ping-pong. Il y en avait pour tous les goûts. On a même pu apercevoir un chien se baladant entres les allées du bureau&hellip; Avec tout ça, Il est certain que nos invités ont eu un aperçu de ce que cela pouvait être de travailler chez Monese !
</p>
<figure><img src="{asset:3682:url}"></figure>
<p><br></p>
<p>C’était une soirée incroyable ! Nous nous sommes beaucoup amusés et nous étions ravis de vous voir si nombreux. Merci à tous ceux qui ont contribué à sa réalisation, y compris nos amis de Hype et nous espérons vous voir encore plus nombreux la prochaine fois !<br></p>
<p><br></p>
<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><br> 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><br></div></blockquote>
<script async="" src="//www.instagram.com/embed.js"></script>

Nous avons participé à la Startup Week Tallinn et pour l'occasion nous avons organisé #MoneseMeets au sein de nos nouveaux locaux 

Monese à la Tallinn Startup Week

Tallinnmeet1

Blog post > Monese Meets Tallinn Startup Week

Quand Monese fait son show à la Tallinn Startup Week

<p>Bonne nouvelle ! Nous avons été nominés pour le prix de la «Meilleure Application Bancaire» lors de l'édition 2019 des British Bank Awards !</p>
<p>Les <a href="http://www.britishbankawards.co.uk/">British Bank Awards</a> ne sont pas jugés par un comité formé par des professionnels de l'industrie, mais sont élus par *vous*. C’est l'occasion parfaite de vous exprimer en votant pour les meilleurs fournisseurs de services bancaires.</p>
<p>Notre mission chez Monese est de fournir un service bancaire adapté à vos besoins, qui vous permet d'effectuer vos opérations bancaires en toute sérénité, où que vous soyez, où que vous alliez.</p>
<p>C’est pourquoi, nous avons lancé il y a trois ans une application facile à utiliser, vous permettant d'ouvrir en quelques minutes seulement votre premier compte courant et ce, sans justificatif de domicile. Disponible dans 20 pays européens, l'application peut être utilisée dans 11 langues et devises différentes. Sans parler de notre incroyable service client qui fait constamment l’objet d’une excellente réputation sur les sites comme <a href="https://trustpilot.com/review/www.monese.com">Trustpilot</a> et <a href="https://smartmoneypeople.com/monese-reviews/">Smart Money People</a> !</p>
<p>Nous constatons déjà un soutien fantastique de votre part cette semaine, et nous vous en sommes reconnaissants ! En voici quelques exemples :
</p>
<p><br></p>
<iframe src="https://smartmoneypeople.com/review/widget/109730" frameborder="0" style="width:100%;height:519px;background-color:#FFF"></iframe>
<iframe src="https://smartmoneypeople.com/review/widget/108558" frameborder="0" style="width:100%;height:295px;background-color:#FFF"></iframe>
<p><br></p>
<p>Si vous pensez que nous méritons le titre de la 'Meilleure app bancaire', n'hésitez pas à voter pour nous. Sachez également qu’en votant, les British Bank Awards vous permettront de gagner un prix de 1 000£, en espèces !</p>
<p><a href="https://smartmoneypeople.com/british-bank-awards" class="btn btn--one">Votez ici</a></p>

Nous avons été nominés pour le prix de la «Meilleure Application Bancaire» lors de l'édition 2019 des British Bank Awards !

Votez pour nous: 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

Votez pour nous lors des British Bank Awards

<p>The next step in our international expansion is here! This week we’re saying hello (<i>Olá</i>? <i>Bom dia</i>?) to Lisbon – we've just opened a new office here, in what is one of Europe’s top hubs for tech talent.</p>
<p>Lisbon is now the third city we’re calling home, as well as London and Tallinn, and it will play a huge part in building new perks and features that we know you’ll love. The team will also be key in bringing about &nbsp;even quicker response times and nurturing our ever-growing community. We’re aiming to have 25 new Monesers here by the end of the year, plugging into our wider Development and Community Engagement teams.</p>
<p>Monese Lisbon comes hot off the heels of <a href="https://monese.com/blog/2018/09/announcing-our-series-b-and-what-comes-next">our recent funding round</a>, which allows us to continue hiring the brightest and best, and expand our mission to make global banking accessible to everyone.</p>
<p>If you’ve got what it takes – or you know some brilliant people who want to help build a smart and globally connected banking service &nbsp;– we’re recruiting for the following roles right now:</p>
<p><a href="https://monese.workable.com/j/37CF2C9A96">iOS Developer</a></p>
<p><a href="https://monese.workable.com/j/F9DF108168">Android Developer</a></p>
<p><a href="https://monese.workable.com/j/91FB55DE9E">QA Engineer</a></p>
<p><a href="https://monese.workable.com/j/99CBE2D886">Senior Automation QA Engineer</a></p>
<p><a href="https://monese.workable.com/j/20643D8055">Customer Support Agent</a></p>
<p><a href="https://monese.workable.com/j/3F71BE2DCD">Social Media Content and Community Manager</a></p>
<p>You can find a full list of openings <a href="https://monese.workable.com/">here</a>. Saude!</p>

Lisbon Blog

Lisbon tram yellow blue background Monese 

Blog post > Our Lisbon office has landed

Our Lisbon office has landed

Rocket 02

Blog post > Announcing our Series B and what comes next

Announcing our Series B and what comes next

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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