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Acerca de la empresa

Razón socialMonese Ltd · Monese Credit Limited
Año de fundación—
Sede / país de registroLondon, United Kingdom
Sitio webmonese.com
Última comprobación08.10.2026

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.

Datos de la cuenta

TIPOS DE CUENTAPersonal, joint and business accounts · Pay as you go, Everyday, Cashback and Premium plans
DEPÓSITO MÍN.Not stated
PLATAFORMASMonese mobile app (iOS, Android) · Web
PRODUCTOSE-money account · Mastercard debit card · International money transfers · Cash top-ups · Savings pots · Cash advance · Open banking

Licencias y regulación

FCA (Reino Unido)

N.º de licenciaFRN 900960
Titular de la licenciaMonese Ltd
AlcanceListed in the FCA register as an Authorised Electronic Money Institution under Monese Ltd (FRN 900960) since 12 Nov 2019.
EstadoVerificada

FCA (Reino Unido)

N.º de licenciaFRN 787052
Titular de la licenciaMonese Credit Limited
AlcanceListed 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.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: agosto de 2026 – octubre de 2026

  • Retiros y pagos: 26
  • Otros: 15
  • Bloqueo y congelación de cuentas: 15
  • Tarifas y comisiones: 13
  • Préstamos y tarjetas de crédito: 13
  • Atención al cliente: 3
  • Operaciones no autorizadas: 3

ALTO — NIVEL DE QUEJAS

El 28 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Retiros y pagos: Muy alto · Otros: Muy alto · Bloqueo y congelación de cuentas: Alto · Tarifas y comisiones: Muy alto · Préstamos y tarjetas de crédito: Muy alto · Atención al cliente: Medio · Operaciones no autorizadas: Muy alto

FUENTES CONSULTADAS

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 transfers, blocked accounts and funds, transfer fees, and card and cash advance problems stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresamonese.com — homepage and footer (legal information), About us, Our pricing
Registros del reguladorFCA — Monese Ltd, FRN 900960 (register.fca.org.uk) · FCA — Monese Credit Limited, FRN 787052 (register.fca.org.uk)
Registro mercantilCompanies House — MONESE LTD, company no 08720992, incorporated 07.10.2013
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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