Monese

Freemium#18 of 44 in Digital Wallet AppsNeobank Apps

Monese: A low-cost mobile account for multi-currency spending, transfers and everyday money management. Ranked #18 of 44 in Digital Wallet Apps by our editors (7.2/10); pricing: Free plan; best for low-cost multi-currency personal banking.

7.2/10★★★★☆Editor score

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At a glance

• Editor score
  7.2 / 10
• Pricing
  Free plan
• Best for
  Low-cost multi-currency personal banking
• Free plan
  Yes
• Paid from
  £29.95/yr
• Asset scope
  Cards_and_fiat
• Founded
  2015 · London, United Kingdom
• Facts checked
  22 Sep 2026

• Where it wins

  • Free pay-as-you-go tier with a basic account and virtual card
  • GBP, EUR and RON accounts with currency exchange
  • Joint accounts, money pots, top-ups and mobile-wallet support

• Where it doesn't

  • Eligibility is limited to adults in the UK and participating EEA countries
  • Pricing and account limits vary by country, currency and plan
  • The free tier does not include the broader paid-plan transfer allowances

Our verdict on Monese

Monese is a mobile money account service for consumers who manage money across currencies, including migrants, expats, freelancers and people living across Europe. Through its mobile app, eligible adults can open GBP, EUR and/or RON accounts, receive a contactless debit card, use a virtual payment card, add money and send domestic or international transfers. Personal features also include joint accounts, money pots with round-ups, spending overviews, instant mobile notifications, cash advances and currency exchange. The service is available on iOS and Android, with cloud and mobile deployment.

Pricing is structured around a free Pay as you go plan and paid tiers. Pay as you go includes a basic account, virtual card, mobile app access and instant Monese-to-Monese domestic transfers. Everyday costs £2.95 per month or £29.95 per year and adds two free outgoing domestic transfers monthly, GBP, EUR and/or RON accounts, plus chat and email support. Cashback costs £7.95 monthly or £79.95 annually and adds Enhanced Cashback and 10 free outgoing domestic transfers monthly. Premium costs £14.95 monthly or £124.95 annually, adding free international transfers, 200 outgoing domestic transfers monthly, free foreign-currency card spending and priority service.

The strongest fit is for solo users and small personal households that want accounts, cards, transfers and spending tools in one mobile service. Apple Pay and Google Pay support extends payment options, while PayPal is also listed among the integrations. Cash top-ups and debit-card top-ups add ways to fund the account, and joint accounts support shared finances. Plan selection matters: users making frequent international transfers or foreign-currency card purchases may prefer Premium, while occasional users can start with Pay as you go or Everyday. Monese is less suitable for anyone outside its eligible UK and participating EEA markets, or for users who need pricing and limits that remain uniform across countries and plans.

Questions about Monese

Does Monese have a free plan? Yes: the Pay as you go plan is free; paid plans start at £2.95/mo (Everyday).

How much does Monese cost? Monese lists 3 paid plans; the lowest is Everyday at £2.95/mo.

What does Monese run on? iOS and Android. It runs in the cloud and as a mobile app.

What does Monese integrate with? 3 integrations: Google Pay, Apple Pay and PayPal.

Who is Monese built for? Solo users and small businesses (our editorial estimate).

Your product? Our editors can test Monese in depth and publish a review, labelled as paid · from $149/mo →

Monese pricing

All 4 Monese plans and prices →

Monese fact sheet

Monese integrations

Monese lists 3 integrations on its own site.

• Google Pay
• Apple Pay
• PayPal

Alternatives to Monese

• M-PESAA broad mobile-money wallet with cash access, bill pay, remittances and scheduled payments.9.3
• PhonePeA free mobile wallet for UPI transfers, QR payments, bills, recharges, and tracking.9.2
• BbKashA broad Bangladesh-focused wallet for cash, bank, card and remittance transfers.9.1

See all Monese alternatives →

Also Ranked In

Monese is ranked in 2 of our directories.

• #14Neobank Apps55 tools ranked→

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Featured on iTechGuides

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update