Monese

7.3easy start · #3 of 44
in Digital Wallet Apps

Free to practise onyes
Free trialnot on record
Well documentedyes
Runs where you workyes

Runs on Android, iOS, Web. Paid plans from £2.50/mo.

Monese is ranked #3 of 44 in digital wallet apps on The Geeks Club. It runs on Android, iOS, Web. There is a free plan. Paid plans start at £2.50/mo.

Monese plans and pricing

All plans

Pay as you go Free Designed for occasional use · basic account monese.com · 4 Oct 2026

Everyday £2.95/mo Pay monthly 2 free bank transfers out monthly · £1 fee outside allowance monese.com · 4 Oct 2026

Cashback £7.95/mo Pay monthly 10 free bank transfers out monthly · £1 fee outside allowance monese.com · 4 Oct 2026

Premium £14.95/mo Pay monthly 200 free bank transfers out monthly · £1 fee outside allowance monese.com · 4 Oct 2026

Everyday £29.95/yr £2.50/month; £29.95 billed yearly 2 free bank transfers out monthly · £1 fee outside allowance monese.com · 4 Oct 2026

Cashback £79.95/yr £6.66/month; £79.95 billed yearly 10 free bank transfers out monthly · £1 fee outside allowance monese.com · 4 Oct 2026

Compared on digital wallet apps

Free plan: Yes
Asset scope: cards_and_fiat
Virtual cards: Yes
Peer transfers: Yes
International transfers: Yes
Supported platforms: iOS, Android and AppGallery
Transaction limit: 4,000 per transaction

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The record

Product: Monese offers mobile money accounts for spending, sending and saving through an app.
Account features: Its accounts support payments, transfers, direct debits, standing orders, savings tracking, account details, and physical or virtual cards.
Budgeting: The app includes spending overviews, weekly and monthly budgets, and instant spending notifications.
Savings pots: Customers can create up to 10 savings pots with a roundup feature.
Integrations: Customers can add Monese cards to Apple Pay and Google Pay.
Open Banking: Customers can link multiple UK bank accounts to view balances and make instant top-ups from the Monese app.
Security: Security features include biometric login, multi-factor authentication, 3D Secure, single-device access, card locking, and real-time notifications.
Safeguarding: Monese says UK e-money funds are safeguarded and explains that its services are not covered by the Financial Services Compensation Scheme.
Support: Customers can contact Customer Support through in-app chat or email [email protected].
Who it serves: Monese says it serves people in 31 European countries and describes its accounts as useful for people underserved by traditional banks and for people travelling, living or working abroad.
Account opening: The site says applicants need an email address, phone number, government ID and an in-app video selfie, and must be at least 18 and live in one of 31 EEA countries.
Notable limits: The site says Monese has no physical branches and does not handle cash or cheques, though customers can add cash at more than 84,000 payment locations in the UK and Europe.
Founded: 2015
Headquarters: London, United Kingdom
Price from: £2.50/mo

Where it ranks on The Geeks Club

Best Digital Wallet Apps in 2026#3 of 44

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Sources

monese.com· checked 4 Oct 2026
monese.com/features· checked 4 Oct 2026
monese.com/features/open-banking· checked 4 Oct 2026
monese.com/features/security· checked 4 Oct 2026
monese.com/contact· checked 4 Oct 2026
monese.com/our-pricing· checked 4 Oct 2026