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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Monese

E-money institution · United Kingdom

About the company

Legal company nameMonese Ltd · Monese Credit Limited
Year founded—
Headquarters / registered countryLondon, United Kingdom
Websitemonese.com
Last checked08.10.2026

According to its official website, Monese is a money app offering an e-money account and debit card opened within minutes through a mobile app, together with credit-building, lending and budgeting tools; the site says it launched in the United Kingdom in 2015, received a Series D investment including HSBC in 2022 and was acquired by Pockit in 2024. E-money accounts for UK customers are provided by Monese Ltd, registered in London; the site states that the company is authorised by the FCA under the Electronic Money Regulations 2011 for the issuing of electronic money and payment services (FRN 900960). Accounts and cards for EEA customers are provided by PPS EU SA, authorised by the National Bank of Belgium. Loans are provided by Ireland-registered Monese Credit Limited, authorised by the FCA as a lender (FRN 787052). Services include personal, joint and business accounts, a Mastercard debit card, Apple Pay and Google Pay, international money transfers, cash top-ups, savings pots and a GBP 50 cash advance; plans include Pay as you go (free), Everyday, Cashback and Premium. This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal, joint and business accounts · Pay as you go, Everyday, Cashback and Premium plans
MIN. DEPOSITNot stated
PLATFORMSMonese mobile app (iOS, Android) · Web
PRODUCTSE-money account · Mastercard debit card · International money transfers · Cash top-ups · Savings pots · Cash advance · Open banking

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 900960
Licence holderMonese Ltd
ScopeListed in the FCA register as an Authorised Electronic Money Institution under Monese Ltd (FRN 900960) since 12 Nov 2019.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 787052
Licence holderMonese Credit Limited
ScopeListed in the FCA register under Monese Credit Limited (FRN 787052); status Authorised since 3 Jul 2018. As the UK branch of an overseas firm, it holds permission to enter into regulated credit agreements as lender.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: August 2026 – October 2026

  • Account / trading conditions: 48
  • Withdrawal / payment: 24
  • Other: 10
  • Customer support: 4
  • Identity verification: 1
  • Bonus / promotion: 1

No. 174 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Account / trading conditions: 81. · Withdrawal / payment: 164. · Other: 73. · Customer support: 242. · Identity verification: 269. · Bonus / promotion: 102.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on Monese's Trustpilot page (88) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Monese name are left out. Across the complaints, delayed or missing incoming and outgoing transfers, transfer fees, and account and card blocks and app access problems stand out.

Sources and verification history

Official company sourcesmonese.com — homepage and footer (legal information), About us, Our pricing
Regulator recordsFCA — Monese Ltd, FRN 900960 (register.fca.org.uk) · FCA — Monese Credit Limited, FRN 787052 (register.fca.org.uk)
Company registerCompanies House — MONESE LTD, company no 08720992, incorporated 07.10.2013
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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