Spune „Bună!” conturilor în RON

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on
February 21, 2019

Astăzi, oricine poate deschide un cont în Monese în câteva minute și să cheltuiești ca un localnic în mai mult de 20 de țări. Iar de astăzi, inclusiv în România!

Dacă locuiești în România sau dacă ești un cetățean român aflat în străinătate, poți deschide acum un nou cont în RON, cu un număr de cont românesc complet local (IBAN) și un card de debit RON!

Iată câteva motive pentru care ar trebui să deschizi un cont în RON…

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Cheltuiește ca un localnic

Conturile monese în GBP și EUR sunt deja disponibile de ceva vreme. Cu toate acestea, dacă locuiești în România, tot nu este ideal să optezi pentru schimbul valutar la fiecare tranzacție, chiar dacă cotele sunt generoase. Cu noul tău cont în RON, vei putea cumpăra, cheltui și economisi ca un adevărat localnic folosind moneda locală, leul românesc.

Trimite și primește bani local

Vorbind de nivel local, vei putea, de asemenea, să trimiți și să soliciți bani, util pentru a gestiona plățile interne. De asemenea, veii putea efectua transferuri periodice de sume fixe către furnizorii de servicii cu ajutorul funcționalității de plăți recurente. De asemenea, poți efectua transferuri locale către alte bănci din țară și chiar să primești salariul în cont. Acest lucru este posibil datorită parteneriatului nostru bancar local cu Libra Internet Bank. Parteneriatul cu Libra ne permite să răspundem nevoilor fundamentale ale clienților noștri, oferind în același timp un cont mobil rapid, simplu și intuitiv.

Transferuri instante și gratuite între conturile Monese

Trimite și solicită plăți ușor și instantaneu de la familie și prieteni, care au deja un cont Monese - absolut gratuit! Aceasta include, de asemenea, transferuri internaționale instantanee între conturile RON, EUR și GBP Monese, fără costuri.

Un card de debit contactless în moneda locală

Odată deschis contul Monese RON, vei putea comanda unul dintre cardurile noastre Monese asociate cu planul ales. Cardurile noastre sunt carduri de debit pre-plătite Mastercard, pe care le poți utiliza pentru a cheltui sau retrage bani oriunde în lume. Iată câteva lucruri pe care le poți face:

  • Efectua tranzacții online sigure când faceți cumpărături online cu 3D Secure
  • Blochează și deblochează cardul direct din aplicație - astfel încât, dacă îți pierzi cardul, te poți asigura că banii tăi vor rămâne în siguranță
  • Efectuează plăți contactless
  • Configurează-ți cardul Monese cu Apple Pay pentru un mod mai sigur, privat și mai simplu de a plăti.

Cum să-ți deschizi contul RON

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Dacă deja folosești Monese, atunci adăugarea unui cont RON în contul tău existent Monese este super simplu. Tot ce trebuie să faci constă în câteva apăsări:

În ecranul de start, apasă pe butonul „Cont” în (partea stângă sus) Apoi apasă pe butonul, „Adaugă cont” Selectează RON, urmează instrucțiunile și apoi va fi gata în scurt timp

Să ai în vedere că în acest moment, conturile RON sunt disponibile doar pentru cetățenii și rezidenții români.

Dacă vrei să afli mai multe despre conturile RON, poți explora Centrul de Ajutor. Iar dacă ai întrebări, echipa noastră de Relații Clienți îți stă la dispoziție, chiar în limba română.

Dacă nu folosești Monese încă, descărca aplicația și începe acum:

Suntem foarte încântați să vedem cum noile noastre conturi în RON îți pot face viața mai ușoară. Ne-am bucura plăcere să îți aflăm părerea despre noile conturi în lei, alături de orice alte sugestii cu privire la funcționalitățile pe care le dorești pe viitor! Ne poți contacta pe FacebookTwitter sau Instagram sau ne poți trimite un email la community@monese.com.

Gestionează-ți banii mai inteligent și mai ușor

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Pentru a te ajuta să îți gestionezi banii mai bine printr-un mod simplu și convenabil, cu noul tău cont Monese vei putea:

  • Avea mai mare control asupra banilor tăi, îți ei putea urmări cheltuielile cu ajutorul sumarului de cheltuieli și poți seta bugete săptămânale sau lunare - toate într-un singur loc!
  • Fi la curent cu tranzacțiile contului tău prin notificări instante
  • Adaugă bani în cont instant cu ajutorul funcționalității de reîncărcare prin card de debit
  • Crea un card virtual și profitați la maxim de această alternativă fantastică pentru o tranzacție online simplă, sigură și rapidă.
  • Economisi la comisioanele aferente retragerilor de numerar sau trimiteți bani în străinătate cu ratele noastre mici de conversie.
  • Folosiți ghivecele Monese pentru a vă ajuta să puneți bani deoparte pentru acele ocazii speciale.

Suntem încântați să vedem cum veți folosi noul dvs. cont RON. Nu uitați să vă invitați prietenii la Monese și să câștigați bani cu programul nostru de recomandări.

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Finding the right Monese plan for you
Company

Finding the right Monese plan for you

Some of our plans are getting a tune up - here’s all you need to know

If your plan is impacted by this change, you can find more information below. For a full rundown of our terms, please click here.

At Monese, we are committed to delivering the best possible banking alternative, so that anyone across the UK and Europe can better manage their money, digitally. 

So, we’re making improvements to our plans to better tailor them to our customers' everyday needs. These changes will include updates to transfer limits, adjustments to fees, and tweaks to our free plan. 

As a part of this, we are enhancing our Classic plan to include our new Cashback offering. We are also introducing a new plan called Everyday, designed for those on our free plan who are looking to start using their Monese card more often. All our plans have a bunch of great ways to spend, send, and save your money - with options tailored for every need.

With these updates, we are confident that everyone will be able to find a plan that is right for them, and help them build a brighter financial future.

Read more below for some of our most commonly asked questions, and a full schedule of changes at the bottom.

What are the main changes?

Monese plans now have four tiers: Pay As You Go, Everyday, Cashback, and Premium, so that you can find the right plan for your needs. 

For our current Simple users, the main update is just a simple name change, and slight updates to domestic transfer fees. We’re also making virtual cards free on all plans so that you can connect your account to your Apple or Google Wallet. 

For Classic users, you will start to see us refer to your plan as Cashback. We also have an exciting new way to help you save. You can read more below on changes to your particular plan.

We are also introducing a new tier, Everyday, designed for those using their Monese card regularly, rather than occasionally.

This means that there are more options for more people using Monese around the world.

Why are we making these changes?
We’re all about making sure we deliver the best tools for you to manage your money, and based on how people are using Monese currently, we noticed that we needed to create some new options for our customers. 

It’s especially important that we provide an Everyday plan for customers who feel that £7.95 per month is a bit of a stretch, but want to start using Monese more regularly. 

What is a Pay As You Go plan?

Pay As You Go does what it says on the tin. Previously known as the Simple plan, our Pay As You Go plan allows you to access Monese without a monthly fee. This allows customers starting out on Monese to get familiar with the app, and only pay for what they use. This plan is perfect for someone using their Monese card sporadically, or looking to explore their options in the app.

What is included in the Everyday plan?

Our new Everyday plan has everything you need to get you started on your journey to a brighter financial future with Monese. This plan is designed to be a low cost, low commitment option for those looking to save on transfer limits, deposit fees and virtual cards - perfect for those always on the go. Everyday will also include Partner Cashback.

What is the Cashback plan and why has my Classic plan changed?

For our Classic users, there won’t be a huge amount of change, aside from the inclusion of Cashback, a new way to earn as you spend every month, among other changes to:

  • FX and international transfer fees
  • Free transfer out limits
  • Cash top up limits

You can read more in our schedule of changes below.

Plus, with Enhanced Cashback, you can earn up to £2.50 per month on your everyday spend. This is on top of being able to access our regular partner Cashback.

Will my Premium plan be changing?

For our current Premium plan users, nothing is changing. This is still the best plan for those using Monese as their primary account.

See below for the full details of what is changing in every plan

Pay As You Go (previously Simple)

Monthly domestic transfers out (limit): Previously £1 per transfer, Now £1.29 per transfer

Debit Card Top Up Fee (%): Previously 1%, Now 2%

Card spend Abroad FX (%): Previously 2%, Now 3%

Virtual card order fee: Previously £0.30, Now Free

Physical card order fee: £4.95, now free with your first £100 deposit

No other changes

Cashback (previously Classic)

Free monthly domestic transfers out (limit): Previously 100, Now 10, £1 after

Debit card top up fee (%): Previously free, now 1%

Cash top up fee (%): Previously £400 free, now £100 free, 3% after

ATM out fee (%): Previously £500 free, now £300 free, 2% after

No other changes

Premium

No changes for existing customers

First physical card order fee: previously free, now £4.95

Cyber Monday: Things to remember
Security

Cyber Monday: Things to remember

Cyber Monday has arrived! And it is, as ever, a veritable behemoth of a worldwide sales event, bristling with bargains and a dizzying array of offers, all at low, low prices. It’s all too easy however to get a little disorientated by the mass-induced shopping frenzy, and perhaps a little careless in our singular pursuit of that must-have item we've seen online. This means we can often overlook, or ignore, the warning signs that what we're buying, and where we’re buying from, might not be all it seems.

With this in mind, we thought it would be helpful to list a few tips and tricks – as provided by our Fraud Team – that should help keep you stay safe during the Cyber Monday excess, and help keep your money protected from any dodgy deals. One smart way to stay protected while shopping online is to keep your device optimized and free from security vulnerabilities. Using a tool like CleanMyMac can help by removing junk files, clearing malicious threats, and ensuring your system runs smoothly while you browse. A cluttered or sluggish computer can slow you down and even make you more susceptible to scams, so giving your Mac a quick cleanup before diving into Cyber Monday deals is a simple but effective safety measure.

Lock down the URL

When inputting sensitive information, especially financial information on a purchasing page, make sure the URL starts with ‘https’. The ‘S’ means it’s secure.

Avoid bank transfer buying

Try to use trusted payment sources only. Professional merchants usually will have websites that support a variety of payment options. Fraudsters tend to prefer bank transfers.

Watch out for those ‘hidden’ subscription traps

Have you ever looked at your account to see a recurring charge that you didn't expect and didn't order? A subscription trap occurs when you're purchasing online and you're tricked into buying additional products or services that you don’t need. Many have been stung by these types of subscription traps. Over the coming days, check your balance very closely!

Protect your most valuable asset, your data

When making purchases online, think twice if you’re asked for additional personal and sensitive data. Are you being asked for ID, passport or driving licence numbers? Or even National Insurance numbers? These details are irrelevant to your purchase. Your identity could end up getting ‘stolen’ and used to commit unscrupulous things.

Beware fake “IT Support”

Some scammers can give the impression that the website you’re visiting has ‘frozen’ and urge you to call a support team to fix it. During the phone call, these scammers can masquerade as major computer companies and persuade you into believing that your computer is riddled with viruses. In reality it is not, and you’ve passed over sensitive information unnecessarily.

Buy from trusted sites only

Buying from third-party sellers, including some social media stores, offers no refund policies and are a haven for fraudsters looking to steal your money.

By keeping sight of these basic rules of engagement, there’s no reason why your Cyber Monday shopping bonanza – even if you’re just hunting for a great deal on a new phone – shouldn’t be an easy, secure and rewarding pre-Christmas indulgence.

Introducing the new unlimited Monese Premium plan
Features

Introducing the new unlimited Monese Premium plan

We’re dedicated to providing next-generation financial services to everyone, which is why we offer a range of account options - to suit the various needs of our customers.

First and foremost, we cater to those who simply need a free, fully operational Monese account - one that offers all the essential features you’d expect of a standard bank account. Some of our customers, however, are more active than others, which is why our fixed-fee Plus plan is often a better choice - offering lower rates on currency conversions and cash top-ups.

Unmetered money management is cleared for launch

Now we’re introducing the unlimited Premium plan! Designed with the most heavy-duty Monesers in mind, we’re offering them this fantastic opportunity to enjoy the removal of all transactional fees of all kinds, providing a truly exceptional and frictionless mobile money management experience. For a fixed transparent monthly fee, we’re proud to offer Monese Premium - capping the cost of a completely unmetered financial service. Money management simply doesn’t get any better than this!

A fixed fee that’s simple and fair

The flat fee of £/€ 14.95 a month will allow for genuinely unlimited money management, offering you as many free ATM cash withdrawals as you like. You’ll also enjoy free foreign currency exchange at the wholesale rate, free cash top-ups and free instant card top-ups. You’ll also get a second account (either UK account or Euro IBAN, depending on your first account) and card at zero extra cost.

Make savings with every transaction

We can confidently recommend Monese Premium as the best personal finance solution for those who travel frequently - whether it’s for business or pleasure. If you’re travelling for 3 months around the globe, or spending two weeks on holiday with the family, there’s no reason to worry about restrictions on withdrawals or charges on exchange rates. Everything is included in the cost - making for a money management experience that is completely unlimited.

Compared to our own Starter plan you can expect to make considerable savings on cash top-ups (£10 on a £500 Post Office top-up). You can also expect to rack up significant savings if you’re making regular international money transfers on a frequent basis - these could be potentially huge savings when compared to many high street banks.

No strings, no hidden fees

Monese Premium comes with no strings attached - if you don’t use it for an entire month (and don’t have any money in it), you won’t even be charged the monthly fee and there are no penalties. And you can always downgrade your plan whenever you like, without having to commit for a minimum term.

In the Monese Premium plan, we believe we’re offering something truly unparalleled, that champions our core ideals and our dedication to providing the very best service at the lowest possible prices. Whatever pricing plan you’re on, we’ll always present our costs of service in way that is completely transparent and ethical - and this latest addition is no exception.

To compare our all of our plans, you can have a look at our pricing page here.