Monese is a digital banking app and card using smartphone technology to improve your banking experience. Monese has provided basic banking on smartphones since 2015. Besides being completely mobile and making your money accessible on the go, Monese takes mobility a step further than the rest, allowing customers to create an account without a EU address. This feature is what makes Monese unique: the ability for anyone to open an account anywhere in the UK or continental Europe. Whether or not you have a EU address, a credit history or fixed income, you can access Monese and open an account today. The app is currently available to anyone in the European Economic Area.
You can use this link to open a new Monese account.
| Provider | Monese Ltd 85 Great Portland Street, First Floor W1W 7LT London United Kingdom |
| Countries | - EEA (Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden) - United Kingdom |
| Number of Users | 2,000,000 (january 2020) |
| Banking License (UK) | Monese Ltd is a registered agent of PrePay Technologies Ltd. PrePay Technologies Limited has been granted UK Authorised Electronic Money Institution (United Kingdom, FCA). |
| Banking License (EU) | Monese Ltd is a registered agent of PPS EU SA. PPS EU SA has been granted EU Authorised Electronic Money Institution (Belgium, National Bank of Belgium). |
| Web page | www.monese.com |
| Mobile Apps | Android iOS Huawei AppGallery |
| Google Pay | Yes (Mastercard cards) |
| Apple Pay | Yes (Mastercard cards) |
| Samsung Pay | No |
| Garmin Pay | No |
| Fitbit Pay | No |
| Plan | Starter | Classic |
| Plan | €0/month | €5.95/month or €49.95/year |
| Manage Your Account | - Mobile app - Web app |
- Mobile app - Web app |
| Types of Accounts | EUR, GBP | EUR, GBP |
| Physical Cards | Mastercard Prepaid - €4.95 for delivery |
Mastercard Prepaid - card is free |
| Virtual Cards | Mastercard Prepaid - card is free |
Mastercard Prepaid - card is free |
| Maximum Number of Cards | 1 physical card, 1 virtual card | 1 physical card, 1 virtual card |
| 3D secure | Yes, via SMS | Yes, via SMS |
| SEPA transfers | Free | Free |
| SEPA Instant Credit Transfer (SCT Inst) | No | No |
| ATM withdrawal | €1.50 per withdrawal, 2% fee for withdrawals in foreign currencies | No fee up to €900 per month, then 2% fee |
| Exchanging currencies | 2% fee when sending to non-Monese accounts €2 minimum fee | 0.5% fee when sending to non-Monese accounts €2 minimum fee |
| Transactions | - Foreign currency transfers 2% fee when sending to non-Monese accounts €2 minimum fee - Foreign currency card spending: No fee up to €2000 per month, then 2% fee - otherwise no fee |
- Foreign currency transfers 0.5% fee when sending to non-Monese accounts €2 minimum fee - Foreign currency card spending: No fee up to €9000 per month, then 2% fee - otherwise no fee |
| SEPA Direct Debit | Yes, no fee | Yes, no fee |
| Transferring Your Paycheck | Yes (EUR, GBP) | Yes (EUR, GBP) |
| Add Money | - Top up with Maestro, Mastercard or Visa cards (max €600/month) - transferring money to your Monese IBAN (bank account) - adding money to your Monese account with Paysafecash |
- Top up with Maestro, Mastercard or Visa cards (max €600/month) - transferring money to your Monese IBAN (bank account) - adding money to your Monese account with Paysafecash |
| Card Freezes | Yes | Yes |
| Spending Limit | Yes | Yes |
| Savings Account | Yes, Pots | Yes, Pots |
| Credits | No | No |
| Cryptocurrency Trading | No | No |
| Stock Trading | No | No |
| Commodity Trading | No | No |
| Accounts for Kids | No | No |
| Linking External Bank Accounts | No | No |
| Additional Benefits | - | - |
Sign Up
You can use this link to open a new Monese account.
Usage
| Cards | BIN Numbers |
|---|---|
| Mastercard Prepaid | 535463xx |
| Country | BIN Numbers |
|---|---|
| United Kingdom | xxxxxx00 xxxxxx01 xxxxxx02 xxxxxx03 xxxxxx04 xxxxxx05 xxxxxx06 xxxxxx07 xxxxxx08 xxxxxx09 xxxxxx10 xxxxxx11 xxxxxx12 xxxxxx13 xxxxxx14 xxxxxx15 xxxxxx16 xxxxxx17 xxxxxx18 xxxxxx19 |
| France | xxxxxx20 xxxxxx21 xxxxxx22 xxxxxx23 xxxxxx24 xxxxxx25 xxxxxx26 xxxxxx27 xxxxxx28 xxxxxx29 |
| United Kingdom | xxxxxx30 xxxxxx31 xxxxxx32 xxxxxx33 xxxxxx34 xxxxxx35 xxxxxx36 xxxxxx37 xxxxxx38 xxxxxx39 xxxxxx40 xxxxxx41 xxxxxx42 xxxxxx43 xxxxxx44 xxxxxx45 xxxxxx46 xxxxxx47 xxxxxx48 xxxxxx49 xxxxxx50 xxxxxx51 xxxxxx52 xxxxxx53 xxxxxx54 xxxxxx55 xxxxxx56 xxxxxx57 xxxxxx58 xxxxxx59 xxxxxx60 xxxxxx61 xxxxxx62 xxxxxx63 xxxxxx64 xxxxxx65 xxxxxx66 xxxxxx67 xxxxxx68 xxxxxx69 |
| France | xxxxxx70 xxxxxx71 xxxxxx72 xxxxxx73 xxxxxx74 xxxxxx75 xxxxxx76 xxxxxx77 xxxxxx78 xxxxxx79 |
| United Kingdom | xxxxxx80 xxxxxx81 xxxxxx82 xxxxxx83 xxxxxx84 xxxxxx85 xxxxxx86 xxxxxx87 xxxxxx88 xxxxxx89 |
| Spain | xxxxxx90 xxxxxx91 xxxxxx92 xxxxxx93 xxxxxx94 xxxxxx95 xxxxxx96 xxxxxx97 xxxxxx98 xxxxxx99 |
| Bank | Country | BIC Code |
|---|---|---|
| Prepayment Solutions EU SA | Belgium | PESOBEB1XXX |
| PrePay Technologies Limited | United Kingdom | PRTCGB21XXX |
