Notre verdict
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Avantages
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
- Fast app-based setup
- Links with rewards partners
Inconvénients
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
- Support quality is mixed
Frais et infos clés
| Inscription | Free |
|---|---|
| Frais mensuels | Free plan; paid plans available |
| Envoyer / recevoir | Free Monese-to-Monese |
| Taux de change | FX fee on free plan; lower on paid |
| Retraits | Monthly free cap, then fee |
| Carte | Yes — debit card |
| Disponibilité | UK + EEA |
| Devises | GBP, EUR, RON (hold others) |
| Création | 2015 |
| Siège | London, UK |
| Réglementation | UK FCA; EEA e-money via partners |
Prêt à essayer Monese?
Ouvrez le site officiel pour vérifier les conditions en vigueur dans votre pays et vous inscrire.
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Monese — frequently asked questions
Is Monese safe to use?
Monese is regulated by UK FCA; EEA e-money via partners and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Monese charge?
Account/monthly fee: Free plan; paid plans available. Sending or receiving: Free Monese-to-Monese. Currency conversion: FX fee on free plan; lower on paid. Withdrawals: Monthly free cap, then fee. Fees can change and may vary by country, so always confirm the latest terms on the official Monese site.
Which countries can use Monese?
Monese is available in UK + EEA. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Monese offer a card?
Yes — debit card. It supports GBP, EUR, RON (hold others).
What is Monese best for?
Monese is best for opening an account without local credit history. Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies.
Who is behind Monese and where is it based?
Monese launched in 2015 and is based in London, UK, regulated by UK FCA; EEA e-money via partners.
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