Training Example: Monese – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Our partners
[H3] We’re building your financial future
Build your credit history and savings with the help of our Credit Builder for an improved credit score, better value loans and access to other Monese credit products for a secure, financial future.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about Credit Builder
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[IMG: We]
[H3] We're fast
Enjoy on-the-spot accounts, instant top-ups and real-time spending notifications. Opening a mobile money account with us is quick and easy. And adding money? Even easier. We’ll get you up and running in no time.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about our product
[H3] We’re making global local
Open online money accounts in multiple currencies to spend abroad like a local. Transfer money for free when sending between Monese accounts, no matter the country or currency. Send and receive money through the UK Faster Payments network instantly, with no fees.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
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[H3] We’re simple
Manage your money by setting weekly or monthly budgets. Track your money visually and sort your transactions into spending categories. Receive your salary payments right into your digital money account by sharing your account details with your employer.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about savings
[H4] ? Earn up to £150 when you invite your friends!
That’s up to £10 for each friend you refer! For a limited time.Get accessGet accessGet startedGet access
[H5] Meet George
“What I love about Monese is that it was super easy to open an account. You just download the app, and within a few minutes, you’re all set. It’s brilliant! Also, the app is very simple to use.”Read George’s story
[H3] We’re inclusive
We believe everyone should have access to financial services. That’s why we make opening an instant mobile money account as easy as we can.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about account opening
[H3] We’re with you on the go
You’ll quickly find that we make a great travel companion on all your adventures. Use your card to withdraw anywhere in the world, with no fees or bad exchange rates for spending abroad. Spend and enjoy your money internationally with total peace of mind.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] We’re helping send money abroad
Move money abroad to over 30 countries, with excellent international exchange rates. It’s quick and can cost much less than sending with traditional banks. Rest assured that your money is safe with us, as security is at the heart of everything we do.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about money transfers
[H3] We’re multilingual
Talk to our multilingual Support team and use your app in 8 languages: English, French, German, Italian, Spanish, Romanian, Estonian and Lithuanian.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about Monese card
[H3] We’re contactless
Order a contactless Mastercard debit card to use anywhere in the world — online, in-store or at ATMs — with no hidden fees. Just search for the contactless symbol at any payment terminal to pay with a single tap of your card. Easy, quick and secure.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more about Monese card
[H4] Monese account FAQs
We aim to make managing your money as simple and accessible as possible. Find answers to common questions about mobile money accounts below. You can also check our FAQs or contact our friendly Support team.What is a mobile money account?A mobile money account is an innovative financial technology helping people spend, send and save money from an app on their mobile phone. You may see this referred to as an online bank account alternative or a banking app alternative.Opening one allows you to add money to a secure electronic account to use for quick mobile payments and transfers. You can also track your spending and control your savings from the same app.You don’t need to have a bank account to open a mobile money account. This makes it different to mobile banking, which involves using a phone to access traditional banking services.It’s an ideal banking app alternative for people who are excluded from traditional banking services for lacking a perfect credit history. Others simply prefer the convenience this type of account offers when travelling, living and working abroad.How is online money account different to a bank account?Opening a mobile money account allows you to do many of the same things that you would with a traditional bank account or banking app. With a Monese account, for example, you can:make and receive paymentsset up direct debits and recurring payments for billsmake and receive transfers locally and internationallytrack and grow your savingsget your own account details to share with othersuse a physical contactless card or virtual card online, in-store or at ATMsThe main difference is that a bank account alternative like ours doesn’t actually involve a bank. Officially speaking, we’re an Electronic Money Institution (EMI).We don’t have physical branches like traditional high-street banks do, though we still have a friendly Support team you can get in touch with. We don’t handle cash or cheques either – but you can add cash to your account at more than 84,000 payment point locations across the UK and Europe with Post Office, PayPoint or Paysafecash.So you’ll still be spending, sending and saving your money – just with a slightly different account type and account provider.What are the benefits of a digital money account?There’s a lot to like about having your own mobile money account.Accessible‍Almost anyone with a phone can open and use a mobile money account. You can access your money easily when travelling too.‍Fast and convenientMobile money accounts are, by definition, mobile. Add money, make fast payments and transfers and manage your finances on the go with a simple mobile app.‍Flexible featuresA Monese account is more than a mobile wallet or an online payment service. Transfer money abroad, track spending, integrate with Apple Pay and Google Pay, request payments and more.‍SecureYour money, identity and data are protected with a range of robust security features.‍Low costOur pricing starts at £0 a month. You can enjoy free transfers between Monese accounts and get great exchange rates on international money transfers too.Is a mobile money account safe?Your money is safeguarded under the EU Electronic Money Directive 2009/110/EC and UK Electronic Money Regulations 2011.We’ve packed in lots of security features too, like single-device access, biometric login, 3D Secure, real-time notifications, multi-factor encryption and authentication protocols, the ability to lock and unlock your card straight from the app, 24-7 monitoring and more, to keep you and your money safe. Read more about your security with Monese.Opening one allows you to add money to a secure electronic account to use for quick mobile payments and trasfers. You can also track your spending and control your savings from the same app.How to get a mobile money accountAre you aged 18 or over and living in any one of the 31 countries in the European Economic Area? Then signing up for a Monese account is quick and easy.There’s no need to visit a branch or waste time on a long phone call. Just start by downloading our mobile app from the App Store, Google Play or AppGallery. All you need after that is:your email address and phone numberan ID document like your passporta quick video selfie in the app to confirm your identityThen simply choose your plan and tell us where you want your card sent to. It’s that easy to open an online money account with Monese.What is Monese?We give people the financial freedom to thrive anywhere. We launched in 2015 as the UK’s first mobile app alternative to the banks and have signed up millions of people from 31 countries across Europe since.Our mobile money account is one of the most popular and trusted financial services in Europe today — and this is only the start. Read more about us.
[H4] Sign up with Monese today
So what are you waiting for? Join over 2 million people who’ve found a better way to manage their money online. Sign up to Monese to open your mobile money account today.Sign upSign upGet startedSign up

[H3] A Monese account with no delays
Our instant account opening process will have you set up with a mobile money account fast. No appointments, no phone calls, no credit checks, no minimum deposits.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Open an online money account easily
Unlike banks, we don’t ask for documents on your address or credit history. All you need is an email address, phone number and an ID document like your passport. It’s simple to create an online money account with Monese.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] For anyone living in Europe
We offer financial freedom to foreign nationals, expats, freelancers and the unbanked. You can open an online money account with us if you live in any of the 31 countries in the European Economic Area.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Stay safe and secure
To help protect you from identity fraud when you join Monese, we’ll ask you for a short video selfie, so we know it’s really you. It’s just one of the ways that we keep your account secure.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn about our security
[H5] Meet Morgana
“I opened my Monese account from the comfort of my home — wearing pyjamas! I was mesmerised by how easy it was. I didn’t have to pay anything to open an account”.Read Morgana’s story
[H4] Account opening FAQs
Got a question about our instant account opening process? Check our answers to common questions below. We have more FAQs and a multilingual Support team too, if you need any extra help.
[H4] Create an online money account now
Don’t waste time visiting a branch in person when you can open an account online instead. Download our free app and open your instant Monese account today!Sign upSign upGet startedSign up

[H3] Protect the real you
We work to protect you from identity fraud when you join Monese. So that we know it’s really you, we ask for a government-issued ID featuring your photo, plus a short video of yourself.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Breakthrough technology
With advanced engineering and innovative technology, you can rest assured that your funds are safeguarded and your personal information is protected.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Your face and fingers are your passcodes
Securely log in to your app using Face ID, Touch ID or Fingerprint Scanner. With our biometric login and strong multi-factor encryption and authentication protocols, count on a secure mobile money account.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] 3D Secure for extra peace of mind
Stay safe when shopping online with an extra layer of security. With 3D Secure, you’ll enter a one-time password sent via SMS at checkout to protect you from falling victim to card fraud.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Single-phone access
You can only sign in to your account from one mobile device at a time, stopping anyone else from having access to your money. To authorise a new device, we’ll ask you to go through a secure multi-factor authentication process.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Lock and unlock your card
If you lose your card, you can block your card in-app instantly to stop anyone else from using it.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] See real-time notifications
Get instant notifications every time you spend with your card, receive money, when your balance is low or for anything else on your Monese account.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Go virtual
Your in-app virtual card has its own unique 16-digit card number (different from your physical card) that guarantees you an extra layer of security when shopping.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Feel protected 24/7
We monitor our state-of-the-art tech infrastructure around the clock — that’s 24 hours a day, 7 days a week.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Count on security
To keep your payments secure and private, we use Apple Pay’s Touch ID and Face ID biometric recognition, and Google Pay’s added encryption and multilayered security.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Trust CIFAS
We’re proud members of CIFAS. We’re part of the fight against fraud, along with the country’s biggest banking services.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.
[H3] Take Five to stop fraud
Take Five is a national UK campaign that offers straightforward and impartial advice to help people protect themselves from preventable financial fraud.Take Five urges everyone to stop and consider whether a situation is genuine – to stop and think if what you’re being told makes sense. Stop. Challenge. Protect.Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.Learn more
[H4] Sign up with Monese today
So what are you waiting for? Join over 2 million people who’ve found a better way to manage their money online. Sign up to Monese to open your mobile money account today.Sign upSign upGet startedSign up

UK (£)EU (€)RO (Lei)
[H1] Our plans
Find the right one for youPay as you go£0/monthDesigned for occasional use - perfect if you’re just looking for a basic account.Choose Pay as you goChoose Pay as you goChoose Pay as you goGet startedEveryday£2.95/monthOur best value plan to get you started on Monese. Designed for sending, and spending your money more regularly.Choose EverydayChoose EverydayChoose EverydayGet startedCashback£7.95/monthOur most popular plan, now including Enhanced Cashback. Rewarding you for your everyday spending with Monese.Choose CashbackChoose CashbackChoose CashbackGet startedPremium£14.95/monthOur most comprehensive plan designed for daily Monese users - with our lowest fees and highest allowances.Choose PremiumChoose PremiumChoose PremiumGet startedPay as you go£0/monthDesigned for occasional use - perfect if you’re just looking for a basic account.Choose Pay as you goChoose Pay as you goChoose Pay as you goGet startedEveryday£2.50/month£29.95 billed yearlyOur best value plan to get you started on Monese. Designed for sending, and spending your money more regularly.Choose EverydayChoose EverydayChoose EverydayGet startedCashback£6.66/month£79.95 billed yearlyOur most popular plan, now including Enhanced Cashback. Rewarding you for your everyday spending with Monese.Choose CashbackChoose CashbackChoose CashbackGet startedPremium£10.41/month£124.95 billed yearlyOur most comprehensive plan designed for daily Monese users - with our lowest fees and highest allowances.Choose PremiumChoose PremiumChoose PremiumGet started
[H2] All features
Your AccountPay as you goeverydayCashbackPremiumVirtual cardCash top-ups3.5% fee (£3 minimum)3.5% fee (£3 minimum)£100 FREE monthly ‍3% fee for usage outside of this allowance (£3 minimum)£1,000 FREE monthly ‍3.5% fee for usage outside of this allowance (£3 minimum)Debit card top-ups2% fee for top-ups in the same currency, additional 2% if currency conversion applies1% fee for top-ups in the same currency, additional 2% if currency conversion applies1% fee for top-ups in the same currency, additional 2% if currency conversion appliesFREEContactless debit card£4.95 for delivery or FREE with a £100 first deposit£4.95 for delivery or FREE with a £100 first deposit£4.95 for delivery or FREE with a £100 first deposit£4.95 for delivery or FREE with a £100 first depositAccount in GBP, EUR and/or RONJoint Accounts with another Monese userFREEFREEFREEFREEMoney pots with round-up featureAccess your account with the Monese mobile appYour MoneyBank transfers in£0.99 feeFREEFREEFREEBank transfers out£1.29 fee2 FREE transfers monthly£1 fee for usage outside of this allowance10 FREE transfers monthly£1 fee for usage outside of this allowance200 FREE transfers monthly£1 fee for usage outside of this allowanceInstant Monese to Monese domestic transfersFREEFREEFREEFREEATM withdrawals2% fee for domestic withdrawals, additional 2% for withdrawals in foreign currency2% fee for domestic withdrawals, additional 2% for withdrawals in foreign currency£300 FREE monthly2% fee for usage outside of this allowance, additional 2% for withdrawals in foreign currency£1,500 FREE monthly2% fee for usage outside of this allowance, no extra fees for withdrawals in foreign currencyForeign currency card spending3% per transaction2% per transaction0.5% per transactionFREEBuilt-in currency exchange1% fee for currency exchange between Monese accounts0.5% fee for currency exchange between Monese accounts0.5% fee for currency exchange between Monese accountsFREEGlobal transfers in£10/year2% fee (£3 minimum)£10/year2% fee (£3 minimum)1.5% fee (£3 minimum)1% fee (£3 minimum)Global transfers out2% fee, additional 1% fee on weekends (£3 minimum)2% fee, additional 1% fee on weekends (£3 minimum)0.5% fee, no additional fees on weekends (£3 minimum)FREE Recurring payments and direct debitsGooglePay / Apple PayYour CreditCash Advance£4.99 fee for £50 advance£9.99 fee for £100 advance£19.99 fee for £200 advance£4.99 fee for £50 advance£9.99 fee for £50 advance£19.99 fee for £200 advance£4.99 fee for £50 advance£9.99 fee for £100 advance£19.99 fee for £200 advance£4.99 fee for £50 advance£9.99 fee for £100 advance£19.99 fee for £200 advanceCash Advance repayment£1.29 fee£1 fee1 FREE monthly, £1 after2 FREE monthly, £1 afterYour RewardsPartner CashbackCOMING SOON Get cashback when you shop with selected partner brands.COMING SOONGet cashback when you shop with selected partner brandsCOMING SOON Get cashback when you shop with selected partner brands.Enhanced CashbackEarn 0.5% cashback on the first £500 you spend each month. Terms apply.Sweepstakes — a weekly chance to win a cash prizeYour SupportMultilingual customer supportCustomer supportAvailable on chat and emailAvailable on chat and emailAvailable on chat and emailAvailable on chat and emailReplacement cards£4.95 for delivery. Expired cards are always replaced for free.£4.95 for delivery. Expired cards are always replaced for free.£4.95 for delivery. Expired cards are always replaced for free.1 x FREE per year, £4.95 thereafter. Expired cards are always replaced for free.
[H4] Sign up with Monese today
So what are you waiting for? Join over 2 million people who’ve found a better way to manage their money online. Sign up to Monese to open your mobile money account today.Sign upSign upGet startedSign up