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If you would like to find out more about which Monese entity you receive services from, or if you have any other questions, please see the Terms or contact us via the in-app chat in the Monese app.

Monese Ltd is a company registered in England and Wales with the registered company number 08720992 and its registered address at Eagle House, 163 City Road, London EC1V 1NR. For UK customers Monese Ltd is a registered agent of PrePay Technologies Limited which is an electronic money institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (with firm reference 900010) for the issuing of electronic money and payment instruments. For UK customers the Monese contactless debit card is issued by PrePay Technologies Limited pursuant to a licence by Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. For EEA customers, Monese EU SA (a company registered in Belgium with company number 0771.559.576 and its head office at Avenue Arnaud Fraiteur 15-23, 1050 Ixelles, Belgium, authorised by the National Bank of Belgium with Agent ID PPSEBEA000002) is a registered agent of PPS EU SA a company registered in Belgium with company number 0712.775.202 (RLE Brussels, French-language Division) and its head office at Avenue Herrmann Debroux 40-42, 1160 Brussels, Belgium which is an electronic money institution authorised by the National Bank of Belgium (with firm reference number 0712.775.202) for the issuing of electronic money and provision of payment services. For EEA customers the Monese contactless debit card is issued by PPS EU SA pursuant to a licence by Mastercard International. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Monese Credit Limited is a company registered in Ireland with company registration number 586176 and its registered address is 20 Harcourt Street, Dublin 2, D02 H364, Ireland. Monese Credit Limited is authorised and regulated by the Financial Conduct Authority as a lender (with firm reference number 787052).

Monese Limited (FRN 900960) is an Authorised Representative of Steadypay Limited (FRN 789333). Monese Limited is permitted to assist with the administration of consumer credit products on behalf of Steadypay Limited.

For Monese UK customers, your e-money account may be provided by PrePay Technologies Limited (PPT), an authorised EMI (FRN: 900010), or by Monese Limited, an authorised EMI (FRN: 90960). Please check your account Terms and Conditions for information on who is the e-money issuer.
For Monese EU customers, your e-money account is provided by PPS EU, an authorised EMI (FRN: 0712.775.202)

‍Safeguarding Disclaimer for e-money accounts provided by Monese Limited: As an e-money institution regulated by the FCA, Monese limited protects funds belonging to e-money customers through a process known as safeguarding. This means that client funds are kept separate from Monese's own funds and it’s placed into a secure account with an authorised bank or covered through an insurance policy or similar guarantee. The services that Monese offers are not covered by the Financial Services Compensation Scheme (FSCS). In the event of Monese's insolvency, although relevant funds are safeguarded as per the requirement of regulation 21 of the EMRs 2011, it could take longer for monies to be refunded and some costs could be deducted by the administrator or liquidator of the Firm during the insolvency process (as per regulation 24 of the EMRs 2011). Customers may check the FCA website to find guidance in deciding whether the level of protection the firm offers is appropriate in their circumstances.

‍Safeguarding disclaimer for accounts issued by PrePay Technologies Limit:As an e-money institution regulated by the FCA, PrePay Technologies Limited (PPT) protects funds belonging to e-money customers through a process known as safeguarding. This means that client funds are kept separate from PPT’s own funds and it’s placed into a secure account with an authorised bank or covered through an insurance policy or similar guarantee. The services that PPT offers are not covered by the Financial Services Compensation Scheme (FSCS). In the event of PPT 's insolvency, although relevant funds are safeguarded as per the requirement of regulation 21 of the EMRs 2011, it could take longer for monies to be refunded and some costs could be deducted by the administrator or liquidator of the Firm during the insolvency process (as per regulation 24 of the EMRs 2011). Customers may check the FCA website to find guidance in deciding whether the level of protection the firm offers is appropriate in their circumstances.
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‍Safeguarding disclaimer for accounts issued by PPS EU Limited: As an e-money institution regulated by the National Bank of Belgium, Your money is protected through a process known as Safeguarding and it’s not covered by EU Deposit guarantee schemes (DGS). This means that your money is kept separate from PPS EU’s own money or protected through an insurance policy or similar guarantee. Your safeguarded money is not available to any creditors, banks or other third parties. This means that your money will always be available should you ask us to refund your e-money. E-money issuers are not able to participate in deposit guarantee scheme and therefore your account is not protected by the DGS. In contrast, safeguarding applies to all customers, with no defined limit per customer or account (besides our normal maximum account balance). Which means all your money within your Monese account is protected.