How do I receive money into my Monese account from another country?

This depends on a few things: which accounts you have with Monese, which country you're receiving money from, and the currency of the money you're receiving. One more important thing to consider is whether the payment is considered ‘domestic’ or ‘international’.

What's considered a domestic payment?

If you have a GBP account and receive money from another UK account in pounds sterling, this is considered a domestic payment. The details the sender needs can vary, but you can see these in your Monese app under your account details. Typically, they'll need your: - Full name (as it is on your account) - Account sort code - Account number If you have a EUR account and are receiving a payment from within the European Economic Area (EEA) or the Single Euro Payments Area (SEPA) in euro, this is considered a domestic payment. SEPA is made up of these countries: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Republic of Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovenia, Slovakia, Spain and Sweden, but also Norway, Liechtenstein, Iceland, Switzerland and Monaco. The details the sender needs can vary, but you can see these in your Monese app under your account details. Typically, they'll need your: - Full name (as it is on your account) - Account IBAN (International Bank Account Number) If you have a RON account and are receiving money from another RON account in Romanian lei, this is considered a domestic payment. The details the sender needs can vary, but you can see these in your Monese app under your account details. Typically, they'll need your: - Full name (as it is on your account) - Account IBAN (International Bank Account Number)

What's considered an international payment?

An international payment is any payment that isn’t considered a domestic payment, and is typically the payment type when receiving money into a Monese account from a different country, currency or both. For instance, receiving Hong Kong dollar into your GBP account is considered an international payment, as is receiving US dollars into your EUR account. In fact, receiving euros into your EUR account from the US would still be considered an international payment as the US isn't in the Single Euro Payments Area (SEPA). For these type of incoming payment, you'll need to ask the sender to make the payment using SWIFT. You'll also need to subscribe to our ‘Incoming international transfers’ service. This allows us to give you a unique SWIFT (Society for Worldwide Interbank Financial Telecommunications) IBAN (International Bank Account Number), which you can link to one of your Monese accounts.

SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication. It's a network that helps financial institutions move money internationally when it's not possible to make the payment directly from one bank to another. For example, if you send money from France to Italy, the transfer is made via SEPA - so the money is moved between banks directly, and usually in just a couple of days. If you make a transfer from the UK to the US, this would be considered an international (SWIFT) payment. This is because there's no way to send money directly from a UK bank to a US one, so the transfer is sent from one intermediary bank to another until it reaches the recipient bank.

How can I be sure which account details to use to receive money?

If you're not sure what bank details to use for receiving a payment, just follow these steps: 1. Select the account you want to receive money into. 2. Select the 'Add Money' option 3. Select the 'Bank transfer details' option 4. Select the country you're receiving money from You'll then see the correct details to use for the transfer.

Can I use my multi-currency IBAN for local payments?

Your multi-currency IBAN won't work for domestic payments - any incoming payment will fail, and be returned to the sender. If you want to receive money in the currency of your Monese account, it's easier and faster to use your local account details. If you have a GBP account, you can receive GBP payments from within the UK using your account number and sort code. If you have a EUR account, you can receive EUR from any country in the EU via SEPA using your EUR account details.

Where can I see my multi-currency IBAN (international bank account number)?

You can see your multi-currency IBAN alongside the currency account you've chosen to link it to. For example, if you link your multi-currency IBAN to your GBP account, we'll show these details alongside your GBP sort code and account number. You can also see them if you: - Select 'Bank Transfer' from the Add Money option - Select a country that needs a SWIFT payment (if you have a multi-currency IBAN subscription) - You'll then see the correct details to share with the person sending you money

How do I receive money using my multi-currency IBAN?

When you need to recieve an international payment, all you need to do is share your multi-currency IBAN with the person sending you money. Some banks might ask for some extra details like your name, address, BIC/SWIFT code or bank name and the sender might ask you for these if so. You can find all the details you need on your app. As soon as we receive the transfer from the person sending you money, we'll convert it into your chosen Monese account currency, and add it to your balance.

My international payment hasn't arrived yet. What should I do?

With any incoming payment, we unfortunately dont know the status of the payment until it reaches us. But don't worry – as soon as we receive it, we'll convert the transfer into your chosen Monese account currency, and add it to your balance. In general, international payments take 2-5 working days to arrive. If you're waiting for an international payment and it's been longer than this, you should get in touch with the person sending you money. They can contact their bank for more information on when exactly the payment was sent and whether your account details were entered correctly. Usually, all of this information will be available in a proof of payment document that your sender can get from their bank.

How much does it cost to receive international payments with Monese?

Your multi-currency IBAN comes with a low annual subscription fee. In addition to this annual fee, we also charge an exchange fee to convert any incoming payments you receive to the right currency before adding the money to your Monese account. The annual subscription fee and the currency exchange fees depend on your Monese pricing plan. We also show you a breakdown of these fees before you confirm your subscription in your app.

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Receive money from abroad

Need to receive money in a different currency or from a different country? We make it as easy as it should be.

Your money where you need it

Whether you’ve moved abroad for a new job or you’re an international student, our subscription service means you can receive money in over 30 currencies from more than 150 countries.

Get your own multi-currency IBAN

When you join our subscription, we’ll give you a multi-currency international bank account number (known as an IBAN) and we’ll link it to your chosen Monese account.

Simply share your multi-currency IBAN with whoever needs to send you money from abroad and we’ll do the rest!

Receive money in the currency you need

Whenever someone sends money to your multi-currency IBAN, we’ll convert it into the currency of your linked Monese account and add it straight to your balance.

See when your money arrives

We’ll let you know as soon as your money arrives. You’ll also see the exchange rate we used and any transaction fees.

Pay what you see, with no hidden fees

We use the wholesale exchange rate with nothing added on, and charge a low fixed transaction fee based on your plan, both of which you'll clearly see on your transaction.

Transparent pricing on international payments

How to receive international payments

Get your IBAN details
Join our subscription to receive your multi-currency IBAN, and then choose which of your Monese accounts to link it to.
Share your IBAN
When someone needs to send you money from abroad, simply tell them your multi-currency IBAN.
Receive your money!
Once the money arrives to your multi-currency IBAN, we’ll convert it into the currency of your linked Monese account and add it to your balance.

Receive in these currencies

🇦🇺 Australian Dollar
🇧🇭 Bahrain Dinar
🇨🇦 Canadian Dollar
🇨🇳 Chinese Yuan
🇨🇿 Czech Koruna
🇩🇰 Danish Krone
🇪🇺 Euro
🇭🇰 Hong Kong Dollar
🇭🇺 Hungarian Forint
🇮🇱 Israeli Shekel
🇯🇵 Japanese Yen
🇰🇪 Kenyan Shilling
🇰🇼 Kuwait Dinar
🇲🇽 Mexican Peso
🇳🇿 New Zealand Dollar
🇳🇴 Norwegian Krone
🇴🇲 Omani Rial
🇵🇱 Polish Zloty
🇶🇦 Qatar Rial
🇷🇴 Romanian Leu
🇸🇦 Saudi Riyal
🇸🇬 Singapore Dollar
🇿🇦 South African Rand
🇸🇪 Swedish Krona
🇨🇭 Swiss franc
🇹🇭 Thai Baht
🇹🇷 Turkish Lira
🇺🇬 Ugandan Shilling
🇬🇧 British Pound
🇺🇸 American Dollar
🇦🇪 United Arab Emirates Dirham

Note: If you link a RON account to your multi-currency IBAN, you won’t be able to receive transfers in these currencies: United Arab Emirates dirham (AED), Bahrain dinar (BHD), Bulgarian lev (BGN), Kenyan shilling (KES), Kuwait dinar (KWD), Omani rial (OMR), Qatar rial (QAR), Saudi riyal (SAR), Ugandan shilling (UGX). If you link a EUR or a GBP account, you’ll be able to receive transfers in all available currencies.

And from these countries/territories

🇦🇽 Åland Islands
🇩🇿 Algeria
🇦🇩 Andorra
🇦🇴 Angola
🇦🇮 Anguilla
🇦🇬 Antigua and Barbuda
🇦🇷 Argentina
🇦🇲 Armenia
🇦🇼 Aruba
🇦🇺 Australia
🇦🇹 Austria
🇦🇿 Azerbaijan
🇧🇭 Bahrain
🇧🇩 Bangladesh
🇧🇪 Belgium
🇧🇿 Belize
🇧🇯 Benin
🇧🇲 Bermuda
🇧🇹 Bhutan
🇧🇴 Bolivia
🇧🇶 Bonaire, Sint Eustatius and Saba
🇧🇦 Bosnia-Herzegovina
🇧🇷 Brazil
🇻🇬 British Virgin Islands
🇧🇳 Brunei Darussalam
🇧🇬 Bulgaria
🇨🇲 Cameroon
🇨🇦 Canada
🇨🇻 Cape Verde
🇰🇾 Cayman Islands
🇹🇩 Chad
🇨🇱 Chile
🇨🇳 China
🇨🇽 Christmas Island
🇨🇨 Cocos (Keeling) Islands
🇰🇲 Comoros
🇨🇰 Cook Islands
🇨🇷 Costa Rica
🇨🇮 Côte D'Ivoire
🇭🇷 Croatia
🇨🇼 Curacao
🇨🇾 Cyprus
🇨🇿 Czech Republic
🇩🇰 Denmark
🇩🇯 Djibouti
🇩🇲 Dominica
🇪🇨 Ecuador
🇪🇬 Egypt
🇬🇶 Equatorial Guinea
🇪🇪 Estonia
🇫🇰 Falkland Islands (Malvinas)
🇫🇴 Faroe islands
🇫🇯 Fiji
🇫🇮 Finland
🇫🇷 France
🇬🇫 French Guiana
🇵🇫 French Polynesia
🇬🇦 Gabon
🇬🇲 Gambia
🇬🇪 Georgia
🇩🇪 Germany
🇬🇮 Gibraltar
🇬🇷 Greece
🇬🇱 Greenland
🇬🇩 Grenada
🇬🇵 Guadeloupe
🇬🇬 Guernsey
🇬🇳 Guinea
🇦🇺 Heard Island and McDonald Islands
🇭🇰 Hong Kong
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇳 India
🇮🇩 Indonesia
🇮🇪 Ireland
🇮🇲 Isle Of Man
🇮🇱 Israel
🇮🇹 Italy
🇯🇵 Japan
🇯🇪 Jersey
🇰🇪 Kenya
🇰🇮 Kiribati
🇰🇼 Kuwait
🇰🇬 Kyrgyzstan
🇱🇦 Lao People's Democratic Republic
🇱🇻 Latvia
🇱🇸 Lesotho
🇱🇷 Liberia
🇱🇮 Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
🇲🇴 Macau
🇲🇰 Macedonia
🇲🇬 Madagascar
🇲🇼 Malawi
🇲🇾 Malaysia
🇲🇻 Maldives
🇲🇹 Malta
🇲🇭 Marshall Islands
🇲🇶 Martinique
🇲🇷 Mauritania
🇲🇺 Mauritius
🇾🇹 Mayotte
🇫🇲 Micronesia
🇲🇨 Monaco
🇲🇳 Mongolia
🇲🇪 Montenegro
🇲🇸 Montserrat
🇳🇦 Namibia
🇳🇷 Nauru
🇳🇵 Nepal
🇳🇱 Netherlands
🇳🇨 New Caledonia
🇳🇿 New Zealand
🇳🇪 Niger
🇳🇺 Niue
🇳🇫 Norfolk Island
🇲🇵 North Mariana Islands
🇳🇴 Norway
🇴🇲 Oman
🇵🇼 Palau
🇵🇬 Papua New Guinea
🇵🇾 Paraguay
🇵🇭 Philippines
🇵🇳 Pitcairn
🇵🇱 Poland
🇵🇹 Portugal
🇵🇷 Puerto Rico
🇶🇦 Qatar
🇨🇬 Republic of the Congo
🇷🇪 Réunion
🇷🇴 Romania
🇷🇼 Rwanda
🇧🇱 Saint Barthélemy
🇸🇭 Saint Helena, Ascension and Tristan
🇫🇷 Saint Martin
🇵🇲 Saint Pierre and Miquelon
🇸🇲 San Marino
🇸🇹 São Tomé and Principe
🇸🇦 Saudi Arabia
🇷🇸 Serbia
🇸🇨 Seychelles
🇸🇱 Sierra Leone
🇸🇬 Singapore
🇸🇰 Slovakia
🇸🇮 Slovenia
🇸🇧 Solomon Islands
🇿🇦 South Africa
🇰🇷 South Korea
🇪🇸 Spain
🇱🇰 Sri Lanka
🇰🇳 St Kitts & Nevis
🇱🇨 St Lucia
🇸🇽 St Maarten
🇻🇨 St. Vincent and the Grenadines
🇸🇷 Suriname
🇳🇴 Svalbard and Mayen
🇸🇿 Swaziland
🇸🇪 Sweden
🇨🇭 Switzerland
🇹🇼 Taiwan
🇹🇭 Thailand
🇹🇱 Timor-Leste
🇹🇬 Togo
🇹🇰 Tokelau
🇹🇴 Tonga
🇹🇳 Tunisia
🇹🇷 Turkey
🇹🇨 Turks & Caicos
🇹🇻 Tuvalu
🇦🇪 United Arab Emirates
🇬🇧 United Kingdom
🇺🇸 United States
🇺🇾 Uruguay
🇺🇿 Uzbekistan
🇻🇦 Vatican City State
🇻🇳 Vietnam
🇼🇫 Wallis and Futuna
🇿🇲 Zambia

View all

Questions? We have answers

How do I receive money into my Monese account from another country?
What's considered a domestic payment?
What's considered an international payment?
What is SWIFT?
How can I be sure which account details to use to receive money?
Can I use my multi-currency IBAN for local payments?
Where can I see my multi-currency IBAN (international bank account number)?
How do I receive money using my multi-currency IBAN?
My international payment hasn't arrived yet. What should I do?
How much does it cost to receive international payments with Monese?