We’re here to help

Wherever you are, whatever the question, you’ll always get the answer from MONI.

Frequently asked questions


How to get MONI

Mobile usage


    • Track your spending in real-time
    • Send money in real-time to other MONI users and via SMS to anybody
    • Receive money in real-time from other MONI users
    • Pay invoices
    • Ask for a loan from your friends
    • Keep track of your loans
    • Pay with your MONI Prepaid MasterCard

  • 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.

    • You can add people to your own Circle of Trust by turning on the Trusted button on their contact info.
    • You can send a loan request which goes to the people in your Circle of Trust, and if they accept it, the loan will be transferred to your MONI account immediately.
    • Circle of Trust allowance: this is the amount of money you commit to lend to your trusted friends if their MONI account happens to run empty.
    • Circle of Trust overdraft protection: this is the amount of money your trusted friends have committed to lend to you if your account runs empty.

  • 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, fill in the contact form and tell us about your idea.

MONI Transactions



What's on your mind?

Got an idea? Want to ask us something special? Reach out!

The new MONI is live in Finland and coming to Europe!

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!

The new MONI is coming to Europe! Sign-up for the waiting list here.