EU Personal Fees and Limits

Fees

We’ve set out the fees for your Monese Account below, which detail the core services of normal use of your Monese Account. The fees shown in euros apply if you have a Monese EUR Account, the fees shown in pounds sterling apply if you have a Monese GBP Account and the fees shown in lei apply if you have a Monese RON Account. We generate our revenue from the core fees that we charge to you. The other fees are charged to you when you use certain services on your Monese Account on an ad-hoc basis. If you have more than one Monese Account, you’ll only be charged the monthly or annual subscription fees shown below for your Primary Monese Account and not for any other Monese Account you hold alongside.

The fees described under the heading ‘Live Plans’ are available to all customers whereas the fees described under the heading ‘Legacy Plans’ are only available to those customers already on the plans described in that section.

If you open your Monese Account, the Plans and any features of the Plans available to you, including any fees and top-up requirements, may be different to the descriptions in this Agreement depending on the country you live in. Where this is the case, we will send you an email as soon as you have successfully opened your Monese Account, to explain any differences to your Plan, the features of your Plan, including any fees and top-up requirements. This information will also be displayed in your Monese App. If you do not like any of the changes described in the email, you are entitled to close your Monese Account at any time (see section 2.38 for details on closing your Monese Account).

Live Plans

Starter

Core AccountMonthly Fee:FreeMonese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Additional physical Monese card:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Card replacement (in case of being lost or stolen):£4.95 / €4.95 / 19.95 lei (An additional £4.95 / €4.95 / 19.95 lei standard delivery fee applies)__Checking your balance and transactions in-App:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Locking and unlocking Monese Card:FreeMonese Customer Service:FreeMoney Management Features:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):3.5% per Transaction (€3 / 15 lei minimum fee applies)Post Office cash load (available for Monese GBP Account only:3.50% (minimum £3)PayPoint cash load (available for Monese GBP Account only):3.50% (minimum £3)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:50 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate. An adjustment fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).Currency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2.5% of transaction value, minimum €2 / £2 / 8 lei). An additional fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).

Withdrawals:ATM withdrawals:€1.5 / £1.5 / 5 lei per ATM withdrawal (subject to currency exchange fees)Cashback cash withdrawal in store (available for Monese GBP Account only):FreeCurrency exchange on using the Monese Card for ATM withdrawals in Pounds sterling, Euro, Romanian lei and Swedish krona:Mastercard wholesale exchange rateCurrency exchange on using the Monese Card for ATM other than Pounds sterling, Euro, Romanian lei and Swedish krona:Mastercard wholesale exchange rate plus 2% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)

Essential (UK Only)

Core AccountMonthly Fee:£1.95 / €1.95 / 8.95 lei for using any number of Monese Accounts (for example if you hold a Monese Essential GBP Account and a Monese Essential EUR Account as well, you’ll only pay £1.95 / €1.95 in total). After paying your first monthly fee when joining Monese Essential GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.Annual Fee:£19.95 / €19.95 / 74.95 lei for using any number of Monese Accounts (for example if you hold a Monese Essential GBP Account and Monese Essential EUR Account as well, you’ll only pay £19.95 / €19.95 in total).Monese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (free standard delivery)Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Card replacement (in case of being lost/stolen or expired):Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__Checking your balance and transactions in-App:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Locking and unlocking Monese Card:FreeMonese Customer Service:FreeMoney Management Features:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):3.50% per Transaction (€3 / 15 lei minimum fee applies)Post Office cash load (available for Monese GBP Account only:3.50% (minimum £3)PayPoint cash load (available for Monese GBP Account only):3.50% (minimum £3)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:50 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate. An adjustment fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).Currency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum €2 / £2 / 8 lei). An additional fee of 1% of transaction value is applied on the weekends i.e. Friday 4pm GMT until Monday 6am GMT).

Withdrawals:ATM allowance:£200 / €200 / 1000 leiCashback cash withdrawal in store (available for Monese GBP Account only):Free within allowanceFee applicable once ATM allowance detailed above is exceeded:2% per TransactionCurrency exchange on using the Monese Card for ATM withdrawals in foreign currency in Pounds sterling, Euro, Romanian lei and Swedish krona:Free within allowance at Mastercard wholesale exchange rateCurrency exchange on using the Monese Card for ATM withdrawals in currencies other than Pounds sterling, Euro, Romanian lei and Swedish krona:Mastercard wholesale exchange rate plus 0.5% of the transaction value (minimum €2 / £2 / 8 lei on ATM withdrawals)

Insurance:Bills Protection:Free within limits

Classic

Core AccountMonthly Fee:£5.95 / €5.95 / 24.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £5.95 / €5.95 in total). After paying your first monthly fee when joining Monese Classic GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.Annual Fee:£49.95 / €49.95 / 205.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £49.95 / €49.95 in total).Monese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (free standard delivery)Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Card replacement (in case of being lost/stolen or expired):Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__Checking your balance and transactions in-App:FreeLocking and unlocking Monese Card:FreeMoney Management Features:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Monese Customer Service:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up allowance:£400 / €400 / 2500 leiCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):Free within Cash top-up AllowancePost Office cash load (available for Monese GBP Account only:Free within Cash top-up AllowancePayPoint cash load (available for Monese GBP Account only):Free within Cash top-up AllowanceFee applicable once Cash top-up allowance detailed above is exceeded:3.5% per Transaction (€3 / 15 lei minimum fee applies for Paysafecash)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:100 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate at no adjustmentCurrency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus the currency exchange fee displayed in the Monese App before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum €2 / £2 / 8 lei).

Card SpendApple/Google pay:FreePurchases with Monese Card (Online and POS) in card currency:FreePurchases with Monese Card (Online and POS) in international currency:Free, Mastercard wholesale exchange rate applies

Withdrawals:ATM allowance:£500 / €900 / 4500 leiCashback cash withdrawal in store (available for Monese GBP Account only):Free within allowanceFee applicable once ATM allowance detailed above is exceeded:2% per TransactionCurrency exchange on using the Monese Card for ATM withdrawals in foreign currency:Free within allowance, Mastercard wholesale exchange rate applies

Insurance (UK only):Bills Protection:Free within limits

Premium

Core AccountMonthly Fee:£14.95 / €14.95 / 69.95 lei for using any number of Monese Accounts (for example if you hold a Monese Premium GBP Account and Monese Premium EUR Account as well, you’ll only pay £14.95 / €14.95 in total). After paying your first monthly fee when joining Monese Premium GBP, you won’t pay a monthly fee if you don’t have any money in your Monese Account.Annual Fee:£124.95 / €124.95 / 585.95 lei for using any number of Monese Accounts (for example if you hold a Monese Classic GBP Account and Monese Classic EUR Account as well, you’ll only pay £124.95 / €124.95 in total).Monese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (free standard delivery)Second physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (free standard delivery)Card replacement (in case of being lost/stolen or expired):Free (free standard delivery)__Checking your balance and transactions in-App:FreeLocking and unlocking Monese Card:FreeMoney Management Features:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Monese Customer Service:Free Priority Service

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up allowance:£1000 / €1000 / 7500 leiCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):Included in Cash top-up AllowancePost Office cash load (available for Monese GBP Account only:Free within Cash top-up AllowancePayPoint cash load (available for Monese GBP Account only):Free within Cash top-up AllowanceFee applicable once Cash top-up allowance detailed above is exceeded:3.5% per Transaction (€3 / 15 lei minimum fee applies for Paysafecash)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:FreeReal time transfers between Monese Accounts owned by different users:FreeOutgoing domestic and international transfers allowance:200 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate at no adjustmentCurrency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate at no adjustment

Withdrawals:ATM allowance: £1500 / €2500 / 12500 leiATM allowance:Free within allowanceCashback cash withdrawal in store (available for Monese GBP Account only):Free within allowanceFee applicable once ATM allowance detailed above is exceeded:2% per TransactionCurrency exchange on using the Monese Card for ATM withdrawals in foreign currency:Free within allowance, Mastercard wholesale exchange rate applies

Insurance (UK only):Bills Protection:Free within limitsPurchase Protection:Free within limits

Joint Account

Core AccountMonthly Fee:FreeMonese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account or Monese RON Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Second physical Monese Card with your Monese GBP Account or Monese EUR Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Card replacement (in case of being lost/stolen or expired):Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)__Checking your balance and transactions in-App:FreeLocking and unlocking Monese Card:FreeMoney Management Features:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Monese Customer Service:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):3.5% per Transaction (€3 / 15 lei minimum fee applies)Post Office cash load (available for Monese GBP Account only):3.50% (minimum £3)PayPoint cash load (available for Monese GBP Account only):3.50% (minimum £3)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:50 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate at no adjustmentCurrency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)

Card SpendApple/Google pay:FreePurchases with Monese Card (Online and POS) in card currency:FreePurchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona:Free, Mastercard wholesale exchange rate appliesForeign Currency Spend Allowance (Monese Card only):£2000 / €2000 / 10,000 leiPurchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona:Free within allowance, Mastercard wholesale exchange rate appliesFee applicable once Foreign Currency Spend Allowance is exceeded:2% per Transaction, Mastercard wholesale exchange rate applies

Withdrawals:ATM & top-up Allowance:The allowance is shared between the two joint account holders: £200 / €200 / 1000 leiATM withdrawals worldwide:Free within ATM & Top up AllowanceCashback cash withdrawal in store (available for Monese GBP Account only):Free within ATM & Top up AllowanceFee applicable once ATM & top-up allowance detailed above is exceeded:2% per Transaction

Legacy Plans

Simple

Core AccountMonthly Fee:FreeAnnual Fee:FreeMonese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account:Free (£4.95 / €4.95 / 19.95 lei - standard delivery fee applies)Second physical Monese Card with your Monese GBP Account or Monese EUR Account:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Card replacement (in case of being lost/stolen or expired):Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Checking your balance and transactions in-App:FreeLocking and unlocking Monese Card:FreeMoney Management Features:FreeE-mail alerts, mobile notifications, in-App and SMS messages:Free (standard operator SMS charges may apply)Monese Customer Service:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeTop up via Paysafecash (available for Monese EUR and RON Accounts only):3.5% per Transaction (€3 / 15 lei minimum fee applies)Post Office cash load (available for Monese GBP Account only:3.50% (minimum £3)PayPoint cash load (available for Monese GBP Account only):3.50% (minimum £3)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:50 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowance.Incoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate at no adjustmentCurrency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 2% of transaction value, minimum £2 / €2 / 8 lei)

Card SpendApple/Google pay:FreePurchases with Monese Card (Online and POS) in card currency:FreePurchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona:Free, Mastercard wholesale exchange rate appliesForeign Currency Spend Allowance (Monese Card only):£2000 / €2000 / 10,000 leiMonese Card purchases (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona, including:Free within allowance, Mastercard wholesale exchange rate appliesFee applicable once Foreign Currency Spend Allowance is exceeded:2% per Transaction, Mastercard wholesale exchange rate applies

Withdrawals:ATM & Top up Allowance. The allowance is shared between all of your Monese Accounts:£200 / €200 / 1000 leiATM withdrawals worldwide:Free within allowanceCashback cash withdrawal in store (available for Monese GBP Account only):Free within allowanceFee applicable once ATM & top-up allowance detailed above is exceeded:2% per Transaction

Plus

Core feesMonthly Fee:€4.95 / £4.95 / 19.95 lei for using any number of Monese Accounts (for example if you hold a Monese Plus Account and Monese Plus EUR Account as well, you’ll only pay €4.95 in total). After paying your first monthly fee when joining Monese Plus, you won’t pay a monthly fee if you don’t have any money in your Monese Account.Monese Account Opening:FreeClosing your Monese Account:FreeIssuance of Virtual Monese Card:FreeFirst physical Monese Card with your Monese GBP Account or Monese EUR Account:Free (free standard delivery)Additional/lost/family physical Monese card:Free (£4.95 / €4.95 / 19.95 lei standard delivery fee applies)Checking your balance and transactions in-App:FreeE-mail alerts, mobile notifications, in-App and SMS messages:__FreeLocking and unlocking Monese Card:FreeMonese Customer Service:FreeMoney Management Features:Free

Top-ups & DepositsEU Customer Debit Card top-up:FreeInternational Debit Card top-up:FreeCash top-up via Paysafecash (available for Monese EUR and RON Accounts only):€2.5 / 12 lei per TransactionPost Office cash load (available for Monese GBP Account only):£1 per transactionPayPoint cash load (available for Monese GBP Account only):2.50% (minimum £1)

Sending and receiving money & TransfersReal time transfers between Monese Accounts (including pots) owned by the same user:Free (subject to currency exchange fee)Real time transfers between Monese Accounts owned by different users:Free (subject to currency exchange fee)Outgoing domestic and international transfers allowance:100 transactions per monthOutgoing domestic and international transfers:Free (subject to currency exchange fee) within allowance. £0.2 / €0.2 / 1 lei per transfer outside of allowanceIncoming bank transfers:FreeDirect Debits:FreeCurrency exchange on outgoing real time transfers between Monese Accounts, whether owned by the same user or between different users:Your money is converted at the wholesale exchange rate at no adjustmentCurrency exchange on outgoing international transfers from the Monese App:Your money is converted at the wholesale exchange rate plus a deduction of the currency exchange fee displayed in the app before the payment is confirmed (currency exchange fees start from 0.5% of transaction value, minimum £2 / €2 / 8 lei)

Card SpendApple/Google pay:FreePurchases with Monese Card (Online and POS) in card currency:FreeCurrency exchange for purchases with Monese Card (Online and POS) in foreign currency if in Pounds sterling, Euro, Romanian lei and Swedish krona:Free, Mastercard wholesale exchange rate appliesCurrency exchange for purchases with Monese Card (Online and POS) in foreign currency other than Pounds sterling, Euro, Romanian lei and Swedish krona:Mastercard wholesale exchange rate plus 0.5% of the transaction value

WithdrawalsATM withdrawals:6 free transactions in your monthly fee period from all your Monese Accounts combined (€1.5 / £1.5 / 6 lei per withdrawal from 7th transaction. Subject to currency exchange fees)

| Cashback cash withdrawal in store (available for Monese GBP Account only): Free | Currency exchange on using the Monese Card for ATM withdrawals in international currencies in Pounds sterling, Euro, Romanian lei and Swedish krona: Free, Mastercard wholesale exchange rate applies | | Currency exchange on using the Monese Card for ATM withdrawals in international currencies other than Pounds sterling, Euro, Romanian lei and Swedish krona: Mastercard wholesale exchange rate plus 0.5% of the transaction value |

Limits

Monese GBP Account

MONESE ACCOUNT LIMITS IF YOU CHOOSE TO OPEN A MONESE GBP ACCOUNT

When applying for a Monese GBP Account, you can choose your Plan in the Monese App and find the full Monese Account Limits in the table below.

You can choose to apply for a Monese Joint Account with another person with the below limits applying to both Monese Account and Monese Card holders.

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