Instant account for mobile people

Open a UK current account on your mobile, without a UK address or credit history.

The Monese card

Simply download our mobile app and use it to open your personal UK current account instantly, even without a UK address. Our account holders can order their first contactless Debit card free.

You can use your card to make purchases for free, in store or online and you can use it to deposit cash at any shop with a PayPoint. You can also use your Monese Visa Debit card to withdraw cash from ATMs globally.

For mobile people

Our app lets you open a UK current account instantly, without a UK address

All in one

Use Monese as your main account. Receive pay, make payments and shop.

FCA registered

100% secure and fully registered with the UK Financial Conduct Authority

Award winning accounts

To open our current account you don't need to be a UK resident and you don't need to provide us with credit history. You can open your account instantly using our mobile app.

Once your account is open you'll get your personal UK account number and sort code enabling you to pay into your account or to receive your salary, pension or benefits.

We've won multiple awards for our accounts and we were recently named 'Best Challenger Bank' at the European Fintech Awards, 2016!

Send money abroad

Sending money overseas with Monese is up to 8x cheaper than using a traditional bank. Why? Well, we give you the real wholesale exchange rate and only charge 0.5% of the transaction value. There's a lot of complex tech behind it all, but thankfully with our app it couldn't be easier.

Your main account

Although Monese is not a traditional bank our current accounts provide you with many of the services big banks offer. When you open an account with us you'll never need to visit a bank branch, you can manage your entire account with our mobile app. We don't charge any hidden fees and using our account for a year is up to 5x cheaper* than owning an account with traditional bank!

Receive salary payments

Get a contactless card

Deposit cash (in the UK)

Send money to friends

Pay bills via bank transfer

Send money abroad

Manage money on the go

  • I was sceptical about monese at the beginning but it turned out to be a good experience!

  • It's just too awesome really! Life saver. Works like a charm. Great customer service.

  • Very useful banking service for UK Contactless debit card, full bank transfers platform and very efficient support

  • signing up took 3mins and card came in two days! verified the account using video which is amazing and convenient!

  • Best Banking app! Best app and bank in UK. Amazing!

  • Absolutely life saving I am self employed and opening an account in the UK was very difficult. No more with this great app...

  • No meeting or paperwork - I got my account open in 5 minutes and the (beautiful) debit card arrived in 3 days.

  • Having lived this pain, I applaud Monese.

  • As an American expat abroad on dat tri-currency life, I really don't know how I'd live without @MyMonese...

  • @MyMonese where have you been? I moved to the UK 4months ago it took 6weeks to get a bank account thanks for shaking things up

  • @MyMonese account opened super fast! Looking good so far. Will be using this as my main account over the coming weeks.

  • Amazing online bank, transfers are quick, the international transfers are far cheaper than the big banks...

  • Instant payments notifications, cheap transfers abroad and beautiful app - miles better than my old Nationwide bank.

  • Very clever - love this app and of course the core problem it's solving - Banking on the Go!

  • Best banking online Monese never let me down. 10 star **********

  • iOS at last!! Keep up to good work guys!!!

  • @MyMonese just opened my account in 3 mins -- you guys rock!! contrast to my exp w/ HSBC

Your Money is safe

Deposits made to Monese current accounts are stored in a network of stable European banks. Our customers' funds are also ringfenced, safeguarded against losses
 and will never be reinvested by us.

Our security

The security of your money and personal data is our utmost priority. We adhere closely to the latest standards in financial security, applying modern tools and techniques to protect our systems 24/7.

Become a Monese insider

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Get the monese app

Open a UK account in minutes