Compare Paysera vs Monese

Paysera LT UAB Logo
Trustpilot Rating
Reviews 906 | Good
 (4.2)

Paysera LT UAB is an electronic money institution focused on providing payment services at reasonable prices. Paysera LT UAB offers virtual accounts with IBAN, international money transfers, SEPA payments, prepaid cards to individuals, businesses. Incorporated in Lithuania, Paysera LT UAB is authorized and regulated by the Bank of Lithuania.

Prepay Technologies ltd Logo

Prepay Technologies ltd is an electronic money institution focused on digital banking and payment services. Prepay Technologies ltd offers virtual Euro IBAN accounts, virtual UK accounts, prepaid debit cards, travel money cards, gift cards, corporate cards to individuals, businesses. Incorporated in the United Kingdom, Prepay Technologies ltd is authorized and regulated by the Financial Conduct Authority. Prepay Technologies delivers its products and services to UK customers via its registered agent Monese Ltd (company number 8720992, FCA reference number 900188). Products and services listed below are offered by Monese Ltd.

Paysera Business Focus
providing payment services at reasonable prices
Paysera Products
  • virtual accounts with IBAN
  • prepaid cards
Paysera Services
  • international money transfers
  • SEPA payments
Paysera Clients
  • individuals
  • businesses

View Paysera Profile +

Monese Business Focus
digital banking and payment services
Monese Products
  • virtual Euro IBAN accounts
  • virtual UK accounts
  • prepaid debit cards
  • travel money cards
  • gift cards
  • corporate cards
Monese Clients
  • individuals
  • businesses

View Monese Profile +

Compare Personal Accounts

Paysera Monese
CurrencyEUR, USD, RUB
and 26 more
EUR, GBP
Payment Cardsphysical
virtual
physical
virtual
Personal IBAN available (LT IBAN) available (GB IBAN)
UK Account Number not available available
Customer Groupsall countriesEEA residents
Pricing Planssingle for all customers Starter
Plus
Premium
Open Account Open Account
 

Currency

Paysera

Personal Checking Account is a multi-currency account, allowing the account holder to have funds in EUR, USD, RUB, DKK, PLN, NOK, SEK, CZK, AUD, CHF, JPY, CAD, HUF, RON, BGN, GEL, TRY, CNY, KZT, NZD, HKD, INR, ILS, MXN, ZAR, RSD, SGD, BYN, THB.

Monese

Monese Current Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP.

Payment Cards

Paysera

Paysera Debit Card (Visa) can be ordered together with Personal Checking Account. Virtual cards are not available.

Monese

Monese Debit Card (MasterCard) can be ordered together with Monese Current Account.

Personal IBAN

Paysera

  • available for verified customers
  • appears automatically for EUR balances

Monese

  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances

IBAN Countries

Paysera

Personal IBANs assigned to Personal Checking Account belong to Lithuania.

Monese

Personal IBANs assigned to Monese Current Account belong to the United Kingdom.

Pricing Plans

Paysera

Personal Checking Account is offered with a single pricing plan for all customers.

  • Checking Account
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SWIFT Outgoing 7.00 EUR
  • Free transfers between Paysera users
  • Favourable exchange rates
  • Global local and international transfers
  • Instant transfers (SEPA Instant)
  • Open Account

Monese

Monese Current Account is offered with several pricing plans for different customer groups, namely Starter, Plus, Premium.

  • Starter
  • offered to: EEA residents
  • Initial Fee 0.00 EUR
  • Monthly Fee 0.00 EUR
  • Closing Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 0.00 EUR
  • SWIFT Incoming 0.00 EUR
  • A full current account for no monthly cost
  • Free contactless card
  • Fees apply to some top-ups and transfers
  • Open Account
  • Plus
  • offered to: EEA residents
  • Initial Fee 0.00 EUR
  • Monthly Fee 4.95 EUR
  • Closing Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 0.00 EUR
  • SWIFT Incoming 0.00 EUR
  • Fixed monthly fee
  • Free contactless card
  • Reduced rates on top-ups and transfers
  • Open Account
  • Premium
  • offered to: EEA residents
  • Initial Fee 0.00 EUR
  • Monthly Fee 14.95 EUR
  • Closing Fee 0.00 EUR
  • SEPA Outgoing 0.00 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 0.00 EUR
  • SWIFT Incoming 0.00 EUR
  • Unlimited withdrawals
  • Free contactless card
  • No fees on top-ups or transfers
  • Open Account

How to Open Paysera Account

Opening Personal Account
1.
Provide your details online
2.
Upload your proof of identity
3.
Pass video authentication
4.
Account is ready to use in a few minutes
Proof of Identity. Depending of the client's country, Paysera accepts the following documents: ID card, international passport.
Identity Verification. Paysera doesn't require a customer to verify his/her identity when opening an account, however monthly limit for unverifed account is 1,570 EUR. In order to increase the limit an indentity verification via a Skype call is required.


How to Open Monese Account

Opening Monese Current Account
1.
Provide your details online
2.
Upload your proof of identity
3.
Pass video authentication
4.
Account is ready to use in a few minutes
Monese Accounts are available to private individuals, residents of the EEA.
Proof of Identity. Depending of the client's country, Monese accepts the following documents: passport, national ID card, driving license, residence card.
Identity Verification. Monese requires to take a video selfie using Monese application.
Monese doesn't require to provide either local proof of address documents or credit score documents. However, a proof of address can be used as an identity verification instead of the video selfie.


Compare Personal Cards

Paysera Monese
Paysera LT UAB CardPrepay Technologies ltd Card
Card Typedebit
physical
debit
physical
contactless
Currencysingle currency
EUR
single currency
EUR, GBP
Card ProviderVisaMasterCard
Order Card Order Card
 

Card Type

Paysera

Paysera cards are debit cards, rather than prepaid cards. Paysera cards are issued only as physical (plastic) cards and are delivered to the customer's address.

Monese

Monese cards are debit cards, rather than prepaid cards. Monese cards are issued only as physical (plastic) cards and are delivered to the customer's address.

Currency

Paysera

Paysera Debit Card is a single currency card, it can be issued in EUR only.

Monese

Monese Debit Card is a single currency card, it can be issued in EUR, GBP only.

Customer Group

Paysera

Paysera debit cards can be ordered by persons from 16 years of age, who are registered and identified in the Paysera system.

Up to 5 payment cards can be issued for one person.

Monese

Monese payment cards are available to residents of the European Economic Area (EEA) countries.

Card Loading

Paysera

When issuing a Paysera card, an additional IBAN account for card payments is opened. So, a Paysera card can be loaded the same way as a Paysera account with IBAN.

Monese

Monese cards can be topped up from the cardholder's Monese Current account. Monese accounts can be topped up with a bank transfer. Within the UK Monese accounts can be topped up with cash at the Post Office and PayPoint.

Card Security

Paysera

3D Secure Payments. Paysera debit card is protected with 3D Secure technology, which gives the cardholder additional free protection when purchasing online.

Monese

3D Secure Payments. 3D Secure makes online shopping safer for both cardholders and retailers, by authenticating that the cardholder is making the transaction at the time of purchase. This enhanced security is by way of an SMS message that’s sent whenever making an online transaction using a Monese card.

Pricing Plans

Paysera

Card Fees and Limits
Paysera Debit Card
Monthly Fee0.45 EUR
ATM Withdrawal Fee (EU, in Euro)1.00 EUR
ATM Withdrawal (EU, not in Euro)1.00 EUR + 1.80 %
ATM Withdrawal (non EU, not in Euro)1.50 EUR + 1.80 %
POS Payment Fee (EU, in Euro)0.00 EUR
POS Payment Fee (EU, not in Euro)0.10 EUR + 0.70 %
POS Payment Fee (non EU, not in Euro)0.10 EUR + 1.20 %
Daily ATM Withdrawal Limit600 EUR
Maximum Balance10,000 EUR

Monese

Card Fees and Limits
SimpleClassicPremium
Card Delivery Fee4.95 GBPfreefree
ATM Withdrawal Feeup tp 200 GBP monthly: free
above that: 2.00%
up to 800 GBP monthly: free
above that: 2.00%
free
Foreign Currency Spending Feeup tp 2,000 GBP monthly: free
above that: 2.00%
up to 8,000 GBP monthly: free
above that: 2.00%
free