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Monese: Money Account reviews

Name: Money Account
Rating: 4.7 (5955 reviews)

View other Monese products

4.70

Based on 5,955 reviews, last reviewed 24th Mar 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I think is best Bank in Europe , is easy... I think is best Bank in Europe , is easy , ist fast Reviewed on: 24th March 2026

Latest lowest rating:

1

This bank is fraud when i apply i submitted everythi... This bank is fraud when i apply i submitted everything after that they block my device app not working when i email them they say decsion made what de... Read more Reviewed on: 21st August 2025

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About this product

An award-winning current account you can open instantly on your mobile. Our technology enables people to travel, live or work freely, anywhere in the world.

Monese Money Account reviews (5955)

Review of the Monese, Money Account:

Easy and convenient

I've had my 3 accounts (£, € and RON ) for about 6 years now. They are easy to manage from the same app and very useful for people that travel. You can move money instantly between the accounts with pretty good exchange rates. Reviewed on: 20th March 2024

Use code 8BU59FCJ on signup for free £5

Use code 8BU59FCJ on signup for free £5 when you make ur first deposit - UP TO DATE CODE Reviewed on: 3rd December 2017

Reply from Monese Thanks Steven! Response date: 9th February 2018

Easy to use,easy to have it

I've just heard about Monese and tryed to create an account i find ouț îs VERY simple and you dont even need to GO ouț from home Reviewed on: 21st November 2017

Reply from Monese Hi Marius - thanks for your feedback, it's very much appreciated! May we ask what you didn't like, so we can get a better understanding of your star rating? Response date: 24th January 2018

The best bank experience

A well designed app that does all your essential banking needs, and also includes SEPA payments, and PayPoint and Post Office deposits. Great customer service too. Reviewed on: 15th November 2017

Reply from Monese Thanks for the kind words, Richard - we'll pass your message along to our support team as well! Response date: 24th January 2018

Wonderful banking experience

This is what a current account offering should look like in 2017: quick, mobile-first, reliable. Reviewed on: 14th November 2017

A team making a big difference!

Monese provides a fantastic service, that empowers ALL to become a part of it. Enabling migrants, the unbanked and more to use a service that doesn't cost them a fortune, and gives them power over their money. Reviewed on: 14th November 2017

Reply from Monese Thank you Cathy! We couldn't have said it better ourselves. Response date: 24th January 2018

Beginners guide to Monese (and £5 free with my friend code 7HXQSEHB !)

If, like me, you have managed to screw your finances so dramatically that nobody wants to give you even the simplest of "proper" bank accounts, this is very likely the most useful app you will ever find for your smartphone. I've tried several other "challenger" banking apps as I have discovered they are known, but Monese has been by far the best so far. Opening an account is a little intense to be frank, and, in the UK at least, you DO require photo ID and proof of address despite the claims made in the Monese promotional material. Once you get set up however, it really couldn't be any simpler. An important detail for me is the speed at which payments arrive, and Monese updates twice an hour at 05 and 35. In my experience you can expect to see your funds on the second update after they were sent. Another key detail, most of these banks charge for cash machine withdrawals. Monese gives you five such transactions free of charge each month before adding a 50p fee for any subsequent withdrawals. A nice touch though, if you don't have enough money to cover the fee you will still be given the cash without charge - this might be a bug however it's been really useful for me up to now. The card does claim to allow cash back however in my experience this is not the case and only smaller stores who know me personally will allow me this facility. Finally, an excellent referral scheme gives you the chance to earn a decent bonus if your friends sign up to monese as well. If you could help both yourself and me by using my code 7HXQSEHB you will be gifted £5 completely free when you finish setting up your new account. I hope I have been helpful! Reviewed on: 11th November 2017

Reply from Monese Hi Chris - thanks for your feedback, it's very much appreciated! We'll certainly pass it along to the team, they always love to hear about our customers' thoughts! Response date: 9th February 2018

Cant even do payments/ never received the card

Im very disappointed in Monese! I need to do payments but they’re not lettting me. Reason why is because I wont receive a SMS confirmation/code, meanwhile my number is correct! I cant even transfer the money back to my other account! Now they go’n charge me monthly for something I CANT EVEN USE! They said It will take weeks/ months to solve the problem. (im not the only customer) plus I never received the card! Reviewed on: 28th October 2017

Reply from Monese Hi there - really sorry to hear you've been having issues with using your account! We aren't quite sure what has happened here, but if you give our support team a call (monese.com/contact) they'll happily revisit this and try to help you get to the bottom of it. We wouldn't charge you if you can't use your account! Response date: 9th February 2018

Great banking trough Europe and UK

I found the set up tricky but that's just me. I do find this solution a fantastic idea I've been depositing money now to spend while I travel so let's see I'm yet to test out the cards but so for my experience with this company has been second to none and much better than high street banks who I avoid at all costs. I have Main Street banking but I prefer to do it this way. It's a very good set up. Reviewed on: 29th September 2017

Reply from Monese Hi Craig - thanks so much for your kind words! We'd certainly love to hear more about why you found the account setup tricky, so if you ever have a spare moment we'd really appreciate it if you could drop us a message on [email protected]! Response date: 9th February 2018

Scam!!!

Don't trust your money to this service!!! It's a scam!!! I have used the account for several months without any problems. Then I transferred €20,000 to the account. My account was then closed without explanation and I have no more access to my money! I have received an email from support that monese will transfer the money back to my other account. But until today almost 2 weeks later no money has been received on my account!!! And the support no longer respond to my emails. Beware of this company because trust is hereby lost. I will now try to proceed legally against Monese. I hope my review helps other users to protect their money from Monese. Reviewed on: 11th September 2017

Reply from Monese Hi Riccardo - sorry to hear you had trouble with your Monese account. We only close accounts in the most extreme of circumstances, and often only temporarily as a precaution. You can find more details in our Terms at monese.com/terms and of course in your correspondence with our team (which we aren’t able to share on a public channel). Feel free to email our support team if you have any further questions! Response date: 9th February 2018

Free £5 referral code: 8BU59FCJ

Free £5 referral code when you sign up and deposit money into your account for the first time Code: 8BU59FCJ Reviewed on: 18th July 2017

Reply from Monese Hey, thanks for your review! Response date: 9th February 2018

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