Monese is one of the most accessible digital banking options in Europe, especially for those who don’t have a traditional proof of address.
But how can you open an account with Monese, and more importantly, is it possible to do so from outside their supported countries?
This article explains everything you need to know!
Step-by-step instructions, eligibility details, restrictions, and clever ways to make it work if you’re not currently living in the UK or EU.
What Is Monese?
Monese is a UK-based fintech that provides digital current accounts and multi-currency options through an app.
Unlike traditional banks, Monese doesn’t require a UK address or credit history to open an account.
That’s why it’s a favourite among expats, freelancers, and new arrivals who need quick access to GBP or EUR banking services.
Who Can Open a Monese Account?
Monese is available to residents of the European Economic Area (EEA) and the United Kingdom. This includes citizens and legal residents of EU member states, Norway, Iceland, and Liechtenstein.
You don’t need to provide a utility bill or rental contract. Instead, identity is verified through your passport or national ID, plus a quick video selfie.
But here’s the catch: the Monese app will only allow registration if your phone’s location is within a supported country.
Step-by-Step: How to Open a Monese Account
- Download the Monese app (available on iOS and Android)
- Allow location access – this is critical for eligibility
- Choose your language and preferred currency (GBP or EUR)
- Provide your ID (passport or EU national ID card)
- Record a short video selfie
- Set your password and confirm registration
Once approved, your account is live instantly. You’ll get a digital card right away and the option to order a physical card by post.
Can You Open a Monese Account from Outside the EU or UK?
Officially, no. If your phone’s location is outside the eligible region, the app won’t let you proceed.
But what if you’re planning a move or just want access to a European account for remote work or digital payments?
While you shouldn’t attempt to manipulate your location, there are legitimate alternatives that some people have tried:
- Open the account while travelling in a supported country (using local mobile data)
- Ask a friend who lives in the EU or UK to help you get started during your visit
- Use an EU SIM card if you’re temporarily within the region
- Wait until arrival if you’re relocating to Europe — Monese is ideal for newcomers who need instant banking
Why Choose Monese?
- Fast approval without credit checks
- No UK/EU address required
- Multi-currency support (GBP, EUR, RON)
- Apple Pay and Google Pay
- No hidden fees for basic use
- IBAN accounts useful for salary and freelance payments
It’s particularly helpful for digital nomads or immigrants needing quick access to a banking solution that works across borders.
Any Restrictions?
Yes. You must:
- Be physically located in the EEA or UK during signup
- Have a valid ID (passport or EU/UK national ID)
- Be over 18 years old
Some accounts also have tiered limits unless upgraded — especially on ATM withdrawals and foreign transfers.
Can You Receive a Physical Card Abroad?
Monese ships cards only to addresses within their supported countries.
If you’re travelling or using a friend’s address in the UK or EU, it may work, but this depends on local postal systems and timing. Always check before relying on this method.
If you’re based in the UK or EU and want to check availability in your location, the Monese website provides the most up-to-date info on supported countries and delivery options.
What to Keep in Mind Before You Sign Up
Monese is one of the most flexible digital banking options for anyone moving to or working with the UK or EU financial system.
Although it doesn’t yet support global registration, it offers a unique mix of accessibility and functionality that’s hard to match.
If you’re currently outside Europe, the best approach is to wait until you’re within the region, or explore alternatives like Wise, Payoneer, or other digital wallets that offer global onboarding.
