Monese 2026: Multi-Currency Neobank, No Income Proof
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Monese
First months freeANT130
Valid on Monese • Use at checkout
About this offer
- Monese is a British neobank founded in 2015
- specialising in multi-currency accounts accessible with no income requirements. It targets expats
- seasonal workers and newcomers to Europe who struggle to open a traditional bank account. Available in EUR
- GBP and RON. A promo code gives the first months free.
Use code ANT130 at checkout on Monese to get First months free. This offer is verified and regularly updated.
What is Monese?
Monese is a British neobank founded in 2015 in London by Norris Koppel, an Estonian entrepreneur who himself struggled to open a bank account as a foreigner in the UK. Monese's pitch: an account accessible in minutes, with no income or employment proof and no fixed local address — ideal for expats, seasonal workers, Erasmus students and newcomers. Available in EUR, GBP and RON (Romanian leu). A complement to Revolut and N26.
Features of the Monese account
The Monese account offers: a Mastercard (debit), SEPA and SWIFT transfers (to 30+ countries), contactless payments, Apple/Google Pay, multi-currency sub-accounts (EUR, GBP, RON), free instant transfers between Monese users, and subscription management. The app is available in 25 languages — a clear sign of the neobank's international positioning.
Monese for expats and mobile workers
Monese's key advantage: no discrimination at opening. Traditional banks often require a local address, payslips and long verification times. Monese opens an account in 5 minutes with just a selfie and an ID. For seasonal workers (agriculture, hospitality), Erasmus students, newcomers or nomadic entrepreneurs, it is often the most accessible banking solution.
Monese pricing and plans
Monese offers several plans: Simple (free — basic features, transaction limits), Classic (paid monthly — full features, extended limits), Premium (premium monthly — maximum limits, no transfer fees). Foreign-currency payments on the Simple plan carry a small spread. For heavy users (many international transfers), the Classic or Premium plan pays off.
International transfers with Monese
Monese facilitates international transfers in EUR and GBP to 30+ countries. Exchange rates are competitive on the paid plans. For transfers to Africa or Asia, specialised services like Remitly, Wise or Taptap Send may offer better rates. Monese is strongest on intra-European corridors.
Security, regulation and credit limits
Monese is licensed by the FCA (the UK Financial Conduct Authority) as an electronic-money institution. Post-Brexit, it adapted its EU operations via a European entity. Client funds are segregated (not used for Monese's operations). 2FA and real-time notifications protect accounts. Note: Monese is an electronic-money institution, not a bank — so no overdraft, no credit, no interest-bearing savings. For credit or an overdraft, a traditional bank or a licensed banking neobank (such as N26, which has a banking licence) is needed. Monese is purely a payment account — excellent for everyday flow, not for financing.
Monese vs Revolut for expats
Comparison for expats: Monese — ultra-simple opening (no conditions), multilingual, focus on accessibility, simpler. Revolut — more features (crypto, trading, insurance), better for frequent travellers, a more restrictive free-plan limit. Verdict: for an expat who just wants a simple account opened quickly, Monese is excellent. For power users wanting many features, Revolut is richer.
Brexit impact and our verdict
After Brexit (2020), Monese adapted its European model. The FCA no longer directly covers EU clients — Monese obtained additional EU authorisations to keep its service. If you use Monese in the EU, check the current terms (they may have changed since 2021). The platform continues to operate in Europe with an adapted legal structure, and keeps innovating in a competitive neobank market.
Our verdict: Monese is the reference neobank for expats and newcomers to Europe. Strengths: ultra-simple opening, multilingual, accessible with no income requirements, EUR/GBP multi-currency. Weaknesses: no credit or overdraft, fees on the free plan, fewer features than Revolut. Ideal for expats, seasonal workers, Erasmus students and newcomers needing a bank account immediately.
Frequently asked questions
Is Monese accessible without income proof?
Yes, this is Monese's key strength. Opening in 5 minutes with just a selfie and an ID. No income proof or fixed local address required.
Is Monese free?
A free Simple plan is available with basic features. The Classic and Premium plans are paid, with more features and lower fees on international transactions.
Is Monese secure?
Yes, licensed by the FCA (UK). Client funds are segregated. 2FA is available, with real-time notifications. Post-Brexit, Monese operates via entities adapted for EU clients.
Can I have an overdraft with Monese?
No, Monese is an electronic-money institution — no overdraft and no credit. For credit or an overdraft, use a traditional bank or a neobank with a banking licence.
Is Monese available across Europe?
Yes, available across the EU. The app is multilingual. The Mastercard debit card works everywhere.
Monese or Revolut for an expat?
Monese is easier to open (no conditions) and multilingual. Revolut is richer in features. For an expat who just wants a working account quickly: Monese. For power users: Revolut.
Which currencies does Monese support?
EUR, GBP and RON (Romanian leu). Separate sub-accounts for each currency. Transfers to 30+ countries in EUR and GBP.
How do I use a Monese promo code?
Enter the code at sign-up in the Monese app. It usually activates the first months of subscription free on the Classic or Premium plan.