Monese Referral Code: Get up to £10 Free (UK 2026)
Open a new Monese account with referral code EHSAN660 and get £5 once your first transaction clears — plus a further £5 after you spend or send £500 abroad. Up to £10 in total, on a free account with no monthly fee.
- £5 reward once your first transaction clears
- +£5 extra after you spend or send £500 abroad
- Referral code EHSAN660 — entered at sign-up
- Free Simple plan — no monthly fee needed to qualify
Enter this when Monese asks for a promo or referral code during sign-up
1. How to Claim Your Monese Reward
Sign-up takes roughly 10 minutes. The step people miss: the code has to go in before your first transaction — Monese won't apply it afterwards.
Install Monese on iOS or Android and tap “Get started”. Choose the free Simple plan — you don't need a paid subscription to qualify for the referral reward.
When Monese asks for a promo or referral code during sign-up, type EHSAN660. Already signed up but not transacted yet? Open Explore → Invite friends and enter the code there.
Scan a passport or driving licence and record a short selfie video. Approval is usually instant, occasionally a few hours if a human review is needed.
Add money by bank transfer, debit card or Apple Pay, then make your first transaction — a card payment or a transfer out. When it clears, £5 lands in your Monese balance.
Use Monese abroad or for international transfers until you reach £500 in total, across as many transactions as you like. Monese then credits the second £5 reward.
The first £5 needs almost nothing: top up a few pounds and make one small card payment. The second £5 is where people give up — but the £500 doesn't have to be one payment. If you're travelling, put your holiday spending (hotels, restaurants, transport in a foreign currency) on the Monese card. If you're not travelling, an international transfer — sending money to family abroad, paying an overseas invoice, or funding a EUR balance and paying a euro bill — counts too. Line one trip or one transfer up and both rewards land from the same account.
3. What You Get, Exactly
| Reward | What triggers it | Timing |
|---|---|---|
| £5 | Your first Monese transaction clears | Usually a few days |
| £5 extra | You spend or send £500 abroad | After Monese confirms the £500 |
| £10 total | Both milestones completed | Paid into your Monese balance |
Rewards are paid as spendable money into your Monese balance — you can spend, transfer or withdraw them like any other funds.
4. Eligibility Requirements
5. Key Terms & Conditions
6. About Monese (2026)
Monese launched in 2015 as the first UK mobile current account you could open with a passport and a selfie — no UK credit history, no proof of address, no branch visit. That focus on newcomers, expats and people who move between countries still defines the product: a UK account number and sort code, multi-currency balances, international transfers and card spending abroad, all opened from your phone in minutes.
Important: Monese is not a bank. It provides an e-money account through an authorised electronic money institution, which means your money is safeguarded in segregated accounts at partner banks rather than covered by the Financial Services Compensation Scheme. Safeguarding protects your balance if Monese itself fails, but it is not the same as FSCS deposit protection — so if you want FSCS cover up to £120,000, use a licensed bank such as Monzo or Lloyds for your main savings and treat Monese as a spending and travel account.
Plan structure: Simple is free with no monthly fee (enough to claim this referral reward), while Classic and Premium add higher fee-free foreign-exchange and ATM limits, faster transfers and extra features for a monthly cost. Monese also offers extras like Credit Builder and instant peer-to-peer payments inside the app.
Because both halves of this referral reward reward international activity, Monese suits people who genuinely spend or send money abroad — not someone looking for a UK-only current account.
7. Monese vs Other UK Money App Bonuses
| App | Reward | Requirement | Protection |
|---|---|---|---|
| Monese | Up to £10 | First transaction + £500 abroad | E-money safeguarding (not FSCS) |
| Monzo | £10 (£50 Business) | One card payment in 30 days | FSCS up to £120,000 |
| Lloyds Bank | £30 | Open a sole-name current account | FSCS up to £120,000 |
| Chip | £50 | £1,000 held for 90 days | Not a bank — savings via partner banks |
Sensible 2026 play: claim the quick bank bonuses first, and add Monese if you actually spend or send money abroad — that's when the second £5 (and the account itself) is worth it.
8. Monese is best for you if…
- You travel, or send money abroad regularly
- You want a UK account without UK credit history or proof of address
- You want multi-currency balances in one app
- You'd like a free account with a £10 head start
Skip it if…
- You want FSCS protection on your main balance
- You never spend or send money outside the UK
- You've held a Monese account before
- You need branch access or cheque deposits
9. Source Documentation & Verification
This offer was last verified in August 2026. Here's how we check it:
- Confirm code EHSAN660 is still active and has invites remaining in the Monese app's Invite screen.
- Screenshot the in-app refer-a-friend steps: £5 once a friend's first transaction clears, plus £5 each when they spend or send £500 abroad.
- Cross-check Monese's published refer-a-friend terms and confirm the account's e-money (non-FSCS) status.
- Re-verify monthly, and immediately whenever a reader reports a discrepancy.
- • Monese UK homepage — open an account
- • Monese legal & terms hub
- • monese.com — plans, fees and features
- • FCA register — authorisation status
- • Monese app Invite screen, August 2026 (code EHSAN660, 15 invites)
10. Frequently Asked Questions
Frequently asked questions
What is the Monese referral code for 2026?
The current verified Monese referral code is EHSAN660. Enter it during sign-up in the Monese app (or in Explore → Invite → enter code) before your first transaction. New users get a £5 reward once their first transaction clears, plus an extra £5 after they spend or send £500 abroad — up to £10 in total.
How do I get £5 free from Monese?
Download the Monese app, open a new UK account and enter referral code EHSAN660 during sign-up. Complete identity verification, top up your account and make your first transaction. Once that first transaction clears, £5 is credited to your Monese balance.
How do I get the extra £5 Monese bonus?
After the first £5, Monese pays a further £5 when you spend or send £500 abroad — that means non-GBP card spend or international transfers from your Monese account. The £500 can be built up over multiple transactions; it doesn't need to be a single payment.
Where do I enter the Monese referral code EHSAN660?
During sign-up, Monese asks for a promo/referral code — type EHSAN660 there. If you've already created the account and not yet transacted, open the Monese app, go to Explore → Invite friends and enter the code. Codes cannot be applied retroactively once rewards have been assessed.
Who is eligible for the Monese referral bonus?
New Monese customers aged 18 or over who are resident in a supported country (including the UK), have never held a Monese account before, pass identity verification and enter a valid referral code at sign-up. One reward per person; each referral code can be used by a limited number of friends (15 invites per referrer).
Is Monese a bank?
No — Monese is not a bank. Monese provides an e-money account through an authorised electronic money institution, so your money is safeguarded in segregated accounts at partner banks rather than covered by the Financial Services Compensation Scheme (FSCS). That's different from Monzo or Lloyds, which are licensed UK banks with FSCS protection up to £120,000.
How long does the Monese bonus take to arrive?
The first £5 is normally credited within a few days of your first transaction clearing. The second £5 is credited after Monese confirms £500 of spending or sending abroad. Monese's refer-a-friend terms allow up to 30 days for rewards to be paid.
Does Monese cost anything to open?
No. The Monese Simple plan is free to open and has no monthly fee, so you can claim the referral reward without paying for a subscription. Paid Classic and Premium plans add higher fee-free limits and extra features but are optional and not required for the bonus.
Can I use Monese for money abroad?
Yes — that's Monese's core strength. You get a UK account plus multi-currency balances (GBP, EUR, RON and more), international transfers, and card spending abroad. This also makes the second £5 reward easy to hit if you travel or send money overseas.
How did BonusBlueprint verify this Monese referral offer?
We re-test code EHSAN660 in a fresh Monese sign-up flow, screenshot the in-app refer-a-friend terms (£5 on first cleared transaction, £5 extra after £500 spent or sent abroad, 15 invites per referrer) and cross-check Monese's published refer-a-friend terms. Last verified August 2026.
Sign up takes about 10 minutes • Free Simple plan