Is MONESE LTD a licensed e-money institution?

Yes. MONESE LTD holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900960. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates MONESE LTD?

MONESE LTD is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.

What is MONESE LTD's licence or FRN number?

MONESE LTD's licence reference number is 900960. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

MONESE LTD

4.0(380 notes)ActiveEMI

View on register

Regulator

Financial Conduct Authority

Licence number

900960

Authorised since

12 Nov 2019

EEA passports

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach: DomesticTier D
Scope: SpecialistTier C
Tenure: MatureTier B

Pricing snapshot

Editorial · Pay as you go

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan: Pay as you go
Monthly fee: Free
Card issuance: GBP 4.95 delivery (free with GBP 100 first deposit)
Free ATM / month: None on free plan
ATM fee: 2.00% domestic + 2.00% on foreign currency
FX markup: 3.00% per transaction
SEPA transfer: GBP 1.29
SWIFT transfer: 2.00% (min GBP 3.00) + 1.00% weekend surcharge

Pay-per-use model for occasional account use; Classic / Premium plans lift allowances.

Verified 8 May 2026Source ↗

About this institution

Verified active. Monese Ltd holds a current licence issued by the Financial Conduct Authority on 12 November 2019. The authorisation covers three core activities: distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds. The licence reference is 900960.

Monese operates as a UK-regulated entity without EEA passporting rights. The register lists zero host states across the European Economic Area. This means the entity's service reach outside the United Kingdom depends on alternative legal arrangements rather than on mutual recognition under the EMI passporting framework.

Data note: the register holds no record of passporting notifications to any EEA member state. The entity's authorisation continues under FCA supervision. Status as at the last cross-check: active, licence reference 900960.

Authorised activities (PSD2 / EMD2)

Payment-services activities MONESE LTD is permitted to carry out under its licence, as recorded in the register.

Safeguarding of customer fundsSAFEGUARDING
Distribution and redemption of electronic moneyEMI_DISTRIBUTION
Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is MONESE LTD a licensed e-money institution?: Yes. MONESE LTD holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 900960. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
Who regulates MONESE LTD?: MONESE LTD is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
What is MONESE LTD's licence or FRN number?: MONESE LTD's licence reference number is 900960. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

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