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Monese - A banking alternative

Monese - A banking alternative

The money app

2.4K ratings
348 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • September 2, 2016
  • July 30, 2026

Features

Developer

Monese LTD
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About

This app offers a digital banking alternative, allowing users to manage multiple currencies, send and receive money internationally, and access a contactless debit card. It provides budgeting tools, real-time notifications, and features like savings pots and virtual cards for secure online payments.

✓Multi-currency accounts (GBP, EUR, RON)
✓Contactless Mastercard debit card
✓International money transfers
✓Virtual card for online payments
✓Savings pots
✓Real-time spending notifications
✓Credit score building (UK only)
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What's New in Monese

11.4.1

July 30, 2026

To get our app in tip-top shape, we’ve been busy making 4 bug fixes and improvements.

User reviews

Most RecentHighest RatedLowest Rated

Money grabbers

It’s costs 99p to receive money and £1.29 to send money each time. Stupid.
rwood6191rwood6191

Update?

I cannot access my account. the 4.1 version won’t load up.
Jos3apJos3ap

Easy to use.

I’ve had an account with Monese from day one. I’ve only ever encountered one issue, but that was resolved accordingly. It’s super easy to use, and the monthly fees as low! Great overhaul bank
ThatmashpotatomanThatmashpotatoman

Hidden, deceptive fees

Opened an account with Monese in 2021 - they started strong with a competitive offering but the incremental account fees crept up over the years. Ultimately switched to another neo bank in 2024 and have just found out I’ve been retroactively charged monthly inactivity fees ever since. Plenty of comms re rejoining and signing up to new products in that time, but of course silence re the fees being applied
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Rose-92”—Rose-92”—

I'll be closing my account.

every transaction has almost £1(0.99p) transaction fee. I'm closing my account after 5 years of using monese
MERCEECAPMERCEECAP
See 343 more reviews

FAQ

What does this app do?

This app provides a digital banking alternative that allows you to open GBP, EUR, or RON accounts directly from your phone. You can manage your money across different currencies, send and receive money locally and internationally, and use a contactless debit card globally. It also offers budgeting tools, real-time notifications, and savings features.

What are the key features of this banking alternative?

Key features include the ability to open multiple currency accounts, a contactless Mastercard debit card for global use with no extra fees on spending, quick local and international money transfers, virtual cards for secure online payments, and savings pots. It also offers real-time notifications, a detailed spending overview, and direct debit management.

How much does this app cost?

The app is free to download and use for its core banking functionalities. While the description mentions 'free with in-app purchases' and 'hasAds: true', specific details on what constitutes an in-app purchase or the extent of ads are not provided. However, it emphasizes a fuss-free and easy experience.

Who can open an account with this app?

You can open an account with this app if you are at least 18 years old and live in the European Economic Area (EEA), regardless of your citizenship or financial history. This makes it accessible for many individuals who may have difficulty opening traditional bank accounts.

What are common use cases for this app?

Common use cases include managing money while living, working, or studying abroad, easily switching between currencies for travel or international transactions, sending money to friends and family overseas, and budgeting effectively with real-time spending insights. It's also useful for setting up direct debits and receiving salary payments.