Pay as you go
Free
- Cash top-ups
- 3.5% fee, £3 minimum
- Bank transfers out
- £1.29 fee
- ATM withdrawals
- 2% fee domestic
- Basic account
- Virtual card
- Contactless debit card
- Joint accounts
- Money pots with round-up
- Mobile app access
- Multilingual support
Monese pricing
Digital money app offering multi-currency accounts, cards, budgeting and international transfers as an alternative to banks.
- Free plan
- Yes
- Paid from
- £2.95/mo
- Plans
- 4
- Free trial
- -
What is Monese?
Monese is a mobile money app that acts as an alternative to a traditional bank. It is aimed at individuals and businesses who want to open an account quickly and manage money in multiple currencies. Main features include instant account opening, a debit card for spending and ATM withdrawals worldwide, money transfers, incoming foreign exchange transfers, joint and business accounts, budgeting tools, savings pots, Open Banking to view other accounts, and Apple Pay and Google Pay support. It is sold through a sign-up in the app, with account plans and a referral rewards program.
Plans and prices
Everyday
£2.95/mo
£2.50/mo billed yearlysave 15%
- Free bank transfers out
- 2 monthly
- Cash top-ups
- 3.5% fee, £3 minimum
- ATM withdrawals
- 2% fee domestic
- Best value plan
- Virtual card
- Contactless debit card
- Joint accounts
- Money pots with round-up
- Mobile app access
- Multilingual support
Cashback
£7.95/mo
£6.66/mo billed yearlysave 16%
- Free bank transfers out
- 10 monthly
- Free cash top-ups
- £100 monthly
- Free ATM withdrawals
- £300 monthly
- Cashback
- 0.5% on first £500 monthly
- Enhanced Cashback
- Virtual card
- Contactless debit card
- Joint accounts
- Money pots with round-up
- Mobile app access
- Multilingual support
Premium
£14.95/mo
£10.41/mo billed yearlysave 30%
- Free bank transfers out
- 200 monthly
- Free cash top-ups
- £1,000 monthly
- Free ATM withdrawals
- £1,500 monthly
- Free card replacements
- 1 per year
- Lowest fees
- Highest allowances
- Virtual card
- Contactless debit card
- Joint accounts
- Money pots with round-up
- Mobile app access
- Multilingual support
Prices in GBP, as shown by monese.com. Source: pricing page. Last checked October 30, 2026.
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I want to decide whether Monese (monese.com) is the right tool and which plan to pick. Below is what the StableMRR pricing directory read from Monese's own pricing page (last checked 2026-10-30). It can be out of date, so treat it as a starting point. Category: Fintech / Banking and finance What it does: Digital money app offering multi-currency accounts, cards, budgeting and international transfers as an alternative to banks. Plans: - Pay as you go: Free. Limits: Cash top-ups 3.5% fee, £3 minimum, Bank transfers out £1.29 fee, ATM withdrawals 2% fee domestic. Includes: Basic account, Virtual card, Contactless debit card, Joint accounts, Money pots with round-up - Everyday: £2.95/mo (£2.50/mo billed yearly). Limits: Free bank transfers out 2 monthly, Cash top-ups 3.5% fee, £3 minimum, ATM withdrawals 2% fee domestic. Includes: Best value plan, Virtual card, Contactless debit card, Joint accounts, Money pots with round-up - Cashback: £7.95/mo (£6.66/mo billed yearly). Limits: Free bank transfers out 10 monthly, Free cash top-ups £100 monthly, Free ATM withdrawals £300 monthly, Cashback 0.5% on first £500 monthly. Includes: Enhanced Cashback, Virtual card, Contactless debit card, Joint accounts, Money pots with round-up - Premium: £14.95/mo (£10.41/mo billed yearly). Limits: Free bank transfers out 200 monthly, Free cash top-ups £1,000 monthly, Free ATM withdrawals £1,500 monthly, Free card replacements 1 per year. Includes: Lowest fees, Highest allowances, Virtual card, Contactless debit card, Joint accounts Alternatives in the directory: 21bitcoin, ADM Guard, Acorns, Agentic Traders Pricing page: https://www.monese.com/our-pricing Directory listing: https://stablemrr.com/p/monese-com First ask me three short questions about my team size, budget and what I need it for. Then recommend one plan, tell me what could make it a bad fit, and compare it with the alternatives. Finish with what I should check on the vendor's site before I pay.
Pricing facts
- Pricing model
- Mixed
- Billing
- monthly or yearly
- Discounts
- Pay yearly: Save up to 30%
About Monese
- Platforms
- ios, android
- Integrations
- Apple Pay, Google Pay, Open Banking, Paysafecash, Post Office, PayPoint, Mastercard, Trustpilot
Features
- Virtual card
- Contactless debit card
- Joint accounts
- Money pots with round-up
- Mobile app access
- Multilingual support
- Cash Advance
- Enhanced Cashback
- Partner Cashback
- Sweepstakes
- Google Pay and Apple Pay
- Standing orders and direct debits
Price history
No price changes recorded since we started tracking on October 30, 2026.
Alternatives to Monese
| Product | Category | Free plan | Paid from | Plans | Checked |
|---|---|---|---|---|---|
| 21bitcoinApp to buy, save and self-custody Bitcoin with a German bank account and regulated custody. | Banking and finance | No | - | 5 | Oct 29, 2026 |
| ADM GuardCompliance platform for registering automated decision-making systems and producing audit trails for Australian Privacy Act APP 1.7 to 1.9. | Banking and finance | No | A$99/mo | 4 | Oct 29, 2026 |
| AcornsA financial wellness app that automates saving, investing, banking, and family money management. | Banking and finance | No | $4/mo | 3 | Oct 29, 2026 |
| Agentic TradersAI trading platform where users describe a strategy in plain English and an AI agent trades crypto, forex, stocks and commodities. | Banking and finance | Yes | $19/mo | 3 | Oct 29, 2026 |
| AngelListPlatform for venture fund administration, investor management, and private market investing. | Banking and finance | No | - | 2 | Oct 29, 2026 |
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How this page was made. Plans and prices are read automatically from monese.com's public pricing page, checked against the page text, and re-checked about every week. Method. Something wrong? Tell us.