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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].

Please revise the information under “Activate card“.

Yes, you can. You can access your MONI account with your login details with any web browser via the MONI web interface my.moni.com.

Please contact our customer support at [email protected] so we can match your new phone number to your old MONI account.

Go to my.moni.com and press “Forgot your password?”. Follow the instructions there and we will send you a link to your email where you can set a new password for yourself.

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].

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: [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.

You can sign up to MONI at my.moni.com/signup or sign up by downloading the MONI mobile app.

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.

Yes, you can. You can access your account on any device with a browser at my.moni.com.

You can download it here: MONI iOS app. If the link doesn’t work, go to the Apple App Store on your iPhone, search for “MONI – mobile money” to download the MONI iOS app.

• Get yourself the MONI Prepaid Mastercard®
• Pay online or in stores and withdraw money anywhere
• Track and get notified of all your transactions 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
• Ask and grants loans with your family and friends

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.

• Add people to your own Circle of Trust from your list of Contacts.
• Set the amount of money you commit to lend to the people in your Circle of Trust if their MONI account happens to run empty. They can then spend that amount of money automatically from your account.
• Once your friend’s account balance drops to zero, but he still purchases something, the money will be transacted automatically from your account and appears as a loan between the two of you. Loans between MONI accounts never have any interest or costs.
• Below your MONI account balance, you can see your Circle of Trust =  the amount of money your friends are committed to lend you if your account runs empty.

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:

• wire transfer
• receive salary
• top up from any debit or credit card
• borrow money from friends with MONI accounts

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.

The “Pay Invoice” feature is currently only available in Finland. For more information, please visit moni.fi.

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 €.

Spending limits for users who have not verified their identity

Spending limits for users who have verified their identity

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.

You can easily verify your identity with an identity card or passport photo either via the MONI app or at my.moni.com

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 securely held in segregated accounts with the Banking Circle 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.