+358 600 123 11
2,00 € + lnf/mcf
Yliopistonkatu 5, 8th floor, Helsinki
Immediately lock your MONI card from the web interface at my.moni.com or from your MONI mobile app. If you find your card you can unlock it at my.moni.com or from your MONI mobile app. If you have lost your MONI card, you can order a new one from our customer support by sending an email to [email protected].
First, check that you have typed in your password correctly. If you have forgotten your password go to my.moni.com and press “Forgot your password?”. We will send you a link via email where you can create a new password for yourself.
If this does not solve your problem, please contact our customer support: [email protected].
Yes, you can if you are at least 18 years old, have a residential address and phone number in an EEA country, and are not a politically exposed person.
Yes, you can. MONI is available in all of the EEA countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. You must be at least 18 years old, have a residential address and phone number in an EEA country, and not a politically exposed person.
The information required to sign up to MONI is your name, date of birth, local residential address and local phone number in one of the EEA countries listed under the question above.
Setting up a MONI account takes only a couple of minutes and the fastest can do it in 30 seconds.
Once you have confirmed your delivery address, which should be the same as your residential address, you will receive your MONI card within 1-2 weeks to that address.
Not yet, but we are working on it. This feature will be available in the future.
As MONI is a prepaid card, your spending limit is the balance currently on your MONI account. If you have set a card from which to automatically top-up from, your MONI spending limit is the balance on that card’s account.
Note also, that if your MONI account balance is zero and you do not have an automatic top up active, but you do have available funds in your Circle of Trust, once you spend, the money will be transacted from your friend’s account and appears to you as a loan.
Circle of Trust is a unique feature of MONI. Circle of Trust is designed to make it easy for you to financially help your friends and family out when needed, and the other way around. People in each other’s Circle of Trust can automatically spend from each others MONI-accounts. Transacted money from a friend’s account appears as a loan.
Under “Loans” there is a listing of taken, given and requested loans. Under “Taken” you can see and pay back the loans you have taken from others. Under “Given” you can see the loans that others have taken from you. And under “Requests” you respond to other’s active loan requests.
Great to hear that you want to make MONI better! Please go to http://moni.com/help fill in the contact form and tell us about your idea.
Yes, you can send money to any local mobile phone number in an EEA country. The recipient will receive a text message with instructions to sign up to MONI. Once the recipient signs up to MONI with the same phone number, the money will be waiting on their MONI account. If the recipient does not set up a MONI account within 2 months, the money will be automatically transferred back to your account.
Sending and receiving money through MONI accounts is instant.
Yes, you can. MONI supports wire transfer from your regular bank to your MONI account. You can find your MONI account details by logging in to my.moni.com under “Load Money” and “Wire transfer”. It is very important that you remember to type in your personal reference number!
You can receive money to your MONI account by the following ways:
Yes, you can. Provide your employer with your MONI bank account information. You will receive your salary directly to your MONI account.
You can find your MONI account details by at my.moni.com under “Load Money” and “Wire transfer”. It is very important that you remember to provide your personal reference number.
Yes, you can.
Yes, you can. You can use your MONI card worldwide everywhere where Mastercard is accepted.
You can pay with your MONI Prepaid Mastercard everywhere in stores and online where Mastercard is accepted. The only exception, where you cannot use your MONI card, is at gas station machines that require a card authorization before payment. In case you want to pay with MONI for gas, please select a station with service so that you can pay normally at the sales desk.
Yes. MONI accounts can have both daily, monthly and annual spending limits. These are set by current financial regulation. These size of these limits depends on you having verified your identity or not. For example, verifying your identity removes the monthly card spending limit and raises the annual spending limit from 250 € to 15,000 €.
|Annual load||250,00 €|
|Daily spend||250,00 €|
|Single transaction||250,00 €|
|ATM withdrawal||Not permitted|
|Annual load||15.000,00 €|
|Daily spend||5.000,00 €|
|Single transaction||5.000,00 €|
|Daily ATM withdrawal/Per transaction||1.000,00/500,00 €|
No. You can not manually set a spending limit that is lower other than by limiting the balance on your card. If you have added a payment card to your MONI account and set automatic top up from it, your MONI spending limit is affected by funds available on that payment card. Note also, that if your MONI account balance is zero and you do not have an automatic top up active, but you do have available funds in your Circle of Trust, once you spend, the money will be transacted from your friend’s account(s) and the amount withdrawn appears to you as a loan from them.
Yes, after you have successfully verified your identity. The maximum amount of money you can withdraw per day is 500€. Your MONI card works worldwide at ATMs.
Yes, after you have successfully verified your identity.
No, opening a MONI account is free of charge.
No, we don’t. Loans between MONI accounts are always interest and cost free.
MONI is a prepaid card so you are able to spend only the amount of your current balance. In exceptional situations, a temporary overdraft can occur, which is billed once the account has funds. In these cases, there are no additional charges.
No. Sending money between MONI accounts is always cost free.
No. There is no interest on the MONI account.
The monthly fee for having a MONI card is 2 € / month.
There is a 1 € fee per purchase on international transactions. After the identity verification is complete, international transactions cost only 0.5€. You can see all of our fees here: eea.moni.com/pricing/
Transactions only cost 0.5€ if you haven’t completed the identity verification. Since we are still a small actor on the market, the 0.5 € fee per card purchase is the cost we have to pay forward.
No, MONI is not bank. MONI funds are held with the Barclays bank under the management of Paysafe.
Yes, you can. In your account both from your MONI mobile app or from any web browser at my.moni.com . There’s a button to block your MONI card, and if you find it later, you can also unblock it. Blocking and unblocking your card has no costs and if effective immediately.
Got an idea? Want to ask us something special? Have a problem? Reach out!