Monese vs XlentPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Monese
Manage your money with a mobile account offering GBP, EUR, or RON options. Enjoy global spending, easy currency switching, and secure transactions. Features include real-time notifications, spending overviews, and savings pots.
- Open GBP, EUR, or RON accounts
- Global contactless Mastercard debit card
- Fee-free foreign spending and ATM withdrawals
- Send and receive money internationally
- Virtual card for online security
- Real-time spending notifications
- Savings pots for goals
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Monese is the banking alternative you’ve been waiting for. We’re the money app that helps you budget smartly, spend wisely and switch between currencies in a flash. Whether you need a GBP, EUR or RON account (or all 3!), you’ll be able to manage your money straight from your phone and enjoy the flexibility to live, work, travel, study and thrive wherever life takes you. We even have business accounts! Join over 2 million people and open a Monese mobile money account today. It’s simple, fuss-free and easy – so how does it work? • Open a GBP, EUR or RON account, straight from your phone • Easily switch between currencies and manage your money all in one place • Get a contactless Mastercard debit card you can use globally – online, in-store or at ATMs • Spend abroad with no extra fees on card spending and ATM withdrawals • Quickly send and receive money locally and internationally in multiple currencies • Create a virtual card and pay online or in-store for an extra layer of security • Open a joint account to easily spend, share and save with a loved one, roommate or friend With our feature-rich smartphone app, you’ll also get: • Real-time notifications: Instant updates whenever you use your account • A detailed spending overview: Full transparency around your transactions • Savings pots: Put money aside for something special • Apple Pay: A fast, easy and secure way to pay with your Apple Pay • Automatic Direct Debits and recurring payments: the easy way to pay for things like mobile phone contracts, rent, or gym memberships Plus, you can also: • Build your credit score: Use Credit Builder to grow your credit history and savings at the same time (UK only) • Link your PayPal account: Manage your PayPal balance and transactions from Monese, and add your Monese card to your PayPal wallet • Enjoy state-of-the art security features: 3D Secure, card locking, strong encryption and biometric login • Get instant account statements in PDF or XLS whenever you need Enjoy the convenience of being able to send and receive money straight from your phone, get your salary paid in, set up Direct Debits and recurring payments, all while maintaining a complete overview of your earning, spending and saving. Withdraw cash from ATMs worldwide for free, within generous allowances, and add money to your account by bank transfer, debit card, or with cash at over 84,000 locations in the UK, Austria, Belgium, Bulgaria, France, Luxembourg, the Netherlands, Poland, Portugal or Spain. You can open an account with us regardless of your citizenship or financial history, as long as you’re at least 18 years old and live in the European Economic Area (EEA).
XlentPay
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XlentPay is a powerful, secure, and user-friendly digital payment platform designed to simplify your financial transactions. Whether you need to send money, receive payments, or manage your finances, XlentPay offers a seamless experience tailored to your needs. Key Features: ● Instant Transfers – Send and receive money in real-time with ease. ● Multi-Currency Support – Conduct transactions in various global currencies. ● Secure & Encrypted – Advanced security protocols to keep your funds and data safe. ● Transaction History – Keep track of all your payments and receipts in one place. ● Intuitive UI – A sleek and user-friendly interface for smooth navigation. Experience a new era of financial freedom with XlentPay. Download now and take control of your digital transactions!
Screenshots
Verdict
The clearest difference is ads: XlentPay at none against Monese's shown. On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Monese ships an update every 3 weeks, XlentPay fortnightly. The most recent releases landed on November 12, 2026 and November 8, 2026 respectively.
| Parameter | Monese | XlentPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.4K ratings) — better | — |
| Positive reviews | 18.8% of reviews | — |
| Number of ratings | 2.4K — better | — |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 205 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | Monese LTD | Xlentpay Corporation |
In-app purchases
Monese
No in-app purchases
XlentPay
No in-app purchases









