Customer support in Finland
Our team is always ready to give you a helping hand
Call:
0600 123 11
Mon-Fri 10:00-16:00
(2€ +pvm/mpm)
Wherever you are, whatever the question, you’ll always get the answer from MONI.
Our team is always ready to give you a helping hand
Help!
Immediately lock your MONI card from the web interface at my.moni.com. If you find your card you can unlock it, or you can order a new card from our customer support.
Go to https://www.moni.fi/en/activation/, and follow the instructions there, we will send you your card PIN by text message.
Yes, you can. You can access your account with your login details with any browser at my.moni.com.
Go to https://www.moni.fi/en/activation/, and follow the instructions there, we will send you your card PIN by text message.
Contact our customer support so we can match your new phone number to your account.
Go to https://www.moni.fi/en/activation/, and follow the instructions there, we will send you your password by text message.
First check that you key in your password correctly. If you forgot your password, go to https://www.moni.fi/en/activation/, and follow the instructions there, we will send you your password by text message. If this does not solve your problem, please contact our customer support.
First, make sure that you have enough money on your MONI account for the purchase. If you suspect another issue, please contact our customer support.
How to get MONI
You must be at least 18 years old and for us to verify your identity you need either a Finnish MobileID or Finnish web bank (TUPAS) identification from Osuuspankki, Nordea, S-Pankki, POP-Pankki or Säästöpankki.
Yes you can. However, you must be at least 18 years old and you need either a Finnish MobileID or Finnish TUPAS identification.
The information required for your account is your name, postal address and phone number. We also need to verify your identity with either a Finnish MobileID or Finnish TUPAS identification.
Sign up for the waiting list, once your turn is up we will send you an email with a link to your account registration.
It only takes a couple of minutes to set up your account.
Once you have confirmed your delivery address, the MONI card will be shipped to your postal address within 1-2 weeks.
Not yet, but we are working on it. This feature will be available in 2016.
Mobile usage
Yes you can. You can access your account on any device with a browser at my.moni.com.
Go to the Apple App Store on your iPhone, search for “MONI - mobile money”, and download the MONI app.
Features
As MONI is a prepaid card, you can spend the amount you have on your MONI account, there is no credit line.
When you add friends and family members who use MONI to your Circle of Trust you can help them with a loan or ask them for a loan. The loans between friends and family members have no interest or costs.
Under the “Loans” button is a listing of the loans you have given out and the loans given to you.
Great to hear that you want to make MONI better! Please go to www.moni.com/help/, fill in the contact form and tell us about your idea.
MONI Transactions
Yes, you can send money to any mobile phone number. The recipient will get a text message that you have sent them money via MONI. We will keep trying to deliver the money for 2 months and if the recipient sets up his account with MONI the funds will be waiting for him immediately. If the recipient does not set up a MONI account within this 2 month period, the money will be automatically transferred back to your account.
Sending and receiving money through MONI is instant.
Yes you can. MONI supports wire transfer from your regular bank to your MONI account. Remember to use your personal reference number!
In addition to wire transfer, you can top up your account with your debit or credit card, or you can borrow money from your friends who have MONI accounts.
Yes, you can. Provide your employer with MONI’s bank account number and your personal reference number and you will receive your salary directly to your MONI payment account. Please note that the reference number must be used. You can find the information under ‘Load money’ in your account interface.
Yes, you can.
Yes, you can. You can use your MONI card with merchants who accept MasterCard.
No, not at the moment.
Yes, you can. Select “Send money” and “Pay invoice” in your account interface, fill in the invoice details and pay it.
Pricing
No, opening a MONI account is free of charge.
No, we don’t.
Nothing. You cannot overdraft a prepaid card so therefore there is no charge either.
No. It’s free to move money within MONI.
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.
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. However, once the number of MONI users increases, so will our ability to eliminate this cost.
Security
MONI is not a bank, your money (client assets) is kept on a segregated bank account at a major Finnish bank.
Yes you can. In your account interface there’s a button to lock your card, if you find the card later you can also unlock it.
Got an idea? Want to ask us something special? Reach out!
We are all about listening to our customers, because we know that building the future of personal banking is not a decision by us, it is by you. So, if you would like to have your banking services accessible 24/7 on your mobile phone, a globally accepted card for payments, if you think setting up a modern banking account should take about 2 minutes, and if you think helping your friends, family, neighbours and colleagues financially should be cost and interest free, then MONI is for you.
Please sign up for our waiting list and tell us where you are from, your vote will make a difference and help bring MONI to your country. Give your money superpowers!