No monthly fee in your first month. Only £4.95/month afterwards1.

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You can try our multi-award-winning UK current account for 1 month, with no account fee1. After that, our accounts are only £4.95 per month.

You can use Monese instead of a traditional bank account to receive your wages, benefits or pension and you may even save money as we are up to 5x cheaper* than highstreet banks.

See what your Monese account includes

Monese Account£4.95per month

UK account and debit card

Receive £ or € payments

Make fast bank transfers

8x less for global payments

Shop safely online /in-store

Get cash at ATMs globally

  • 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

Use Monese globally

Your Monese account helps you save serious money if you travel abroad, no matter where you are in the world.

If you do a transaction that involves currency exchange, like an ATM cash withdrawal in a currency other than GBP, we'll use the real wholesale exchange rate and only charge you 0.5% of the transaction value. That's up to 8x cheaper than regular banks.

Global card use
Global bank transfers





Currency exchange


exchange rate



Monese accounts are up to 5x cheaper* than 'free' current accounts with regular banks

Fee List

You can forget about complex price packages or hidden charges. Just an affordable monthly fee and currency exchange at up to 8x cheaper than banks.

If for any reason you don't have money in your account when your monthly fee is due, you wont build up debt or owe us anything. You can just resume paying when you next deposit funds.

Price Regularity Rate
Monthly account fee £4.95 Per month -
Your UK current account £0 - -
Contactless Visa debit card £0 - -
Receive salary or other payments £0 - -
Global card purchases £0 - -
Global bank transfers £0 - -
Instant Monese payments £0 - -
Mobile transaction notifications £0 - -
In-app balance checks £0 - -
In-app card management £0 - -
ATM PIN change (UK only) £0 - -
In store cashback (UK only) £0 - -
Account help and support £0 - -
10 ATM withdrawals globally £0 - -
Additional ATM withdrawals £0.50 Per transaction -
Physical cash deposits (UK only) 2.5% Per transaction -
Non-GBP card purchases 0.5% Per transaction Wholesale2
Non-GBP ATM withdrawals 0.5% Per transaction Wholesale2
Non-GBP outgoing bank transfers 0.5% Per transaction Wholesale

*Based on a comparison of the Tariffs of Retail Banking in Thirteen Countries by Van Dijk Management Consultants, 2013 and Monese’s analysis of the cost of account ownership across the top 5 banks in the UK with a combined market share of 85%. The USD/GBP Exchange rate at the time of data collection was 0.62 (November 2012).
1There will be no monthly fee to pay during the 30 day trial period, however any currency exchange transactions will be charged as normal (as defined in our terms and conditions).
2We charge a £1 minimum for any bank transfers that require currency conversion. For non-GBP card purchases and non-GBP ATM usage your money is converted at the wholesale Visa Europe rate on the date they process the transaction, which may differ from the actual transaction date. Some retailers may charge additional fees.

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