Monese

4.2 / 5Trust 3.5 / 550.7k reviews

Monese is a UK/EU mobile banking app offering international transfers across roughly 35 mostly-EEA countries, with tiered pricing that drops from 2% down to free depending on your account plan.

Transfer limits

Minimum

€1

Maximum

€40K

Fee structure

Bank transfer
Simple plan: 2% FX fee (min €3) plus a 1% weekend surcharge; cheaper on Classic (0.5%), free on Premium
€3.00
2.00%

Delivery methods

Bank transfer

Pros & cons

Pros

Fee and rate shown up front in the app before you confirm
Free transfers on the Premium plan
App available in 14 languages

Cons

Covers only ~35 countries, mostly EEA
2% fee on the entry-level Simple plan, plus a weekend surcharge
Some reports of account freezes blocking access to funds

EUR → PHP rate history

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