Monese review
A low-cost mobile account for multi-currency spending, transfers and everyday money management.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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).
Monese pros and cons
- 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
Monese fact sheet, pricing and score →
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