SAVING UNLOCKS REWARDS.
Mo coaches you through a daily budget. Beat it, bag the leftovers into savings. Every day you save, your streak grows and unlocks the next level.
€ 3.40 today
🔥 12-day streak
01
Get your Monemon account
A brand new account with payments and a debit card, everything included. Mo carves your month into daily budgets. One number a day, no spreadsheets.
02
Beat your daily budget
Spend less than today’s number and the leftovers show up the next morning, real money ready to save.
03
Bag it, start your streak
One tap moves the leftovers to savings. Every save grows your streak, and streaks unlock levels and rewards.
ONE APP. YOUR WHOLE MONEY LIFE.
Account and card, the daily drop, your stash and the levels it unlocks. Tap through the real screens.
YOUR MONEY HAS AN ATTITUDE.
Your money coach comes with a real card, Apple Pay and all. Mo cheers when you save, and gets sassy when you slip up.
€12 is homeless
now
It’s just sitting in checking. Give it a savings account.
BAG IT ›
Plot twist
now
Turns out you can afford to save today. Bag it fast.
BAG IT ›
Zero swipes?
now
Money’s in, card hasn’t moved. Bag the whole budget.
BAG IT ALL ›
Thriving
FULL HYPE
Wins, payday, milestones. Confetti, Monecoins, zero chill.
“Look at you. You underspent yesterday. Bag the leftovers before you relapse.”
Worried
CAUTION MODE
Spend spikes and low-balance moments. A friendly nudge before it gets tight.
“So close, so broke. You want to bag it. There’s €3. The energy is not enough.”
Overspent
DAMAGE CONTROL
Blew the budget? Zero shame, full sass. Mo helps you save the streak.
“Yikes, yesterday. You went over budget. Iconic. Let’s spread it across the week.”
Sleeping
WIN-BACK
Silence and dormancy. The “where did you go?” wake-up calls.
“Awfully quiet. Not one transaction today. Monk energy, or cheating? Bag it.”
HOW FAST CAN YOU BAG IT?
Enter your monthly income and recurring costs to see your fun money and a clear daily budget target.
COMPLIANCE MO TAKES THIS PART VERY SERIOUSLY
FUN ON THE OUTSIDE. REGULATED ON THE INSIDE.
Monemon is a fully licensed Electronic Money Institution.
Real IBAN accounts, real cards, real supervision. Mo jokes about your takeout, never about your money.
LICENSED EMI
Authorised and supervised as an Electronic Money Institution under EU law.
SAFEGUARDED FUNDS
Your money sits in segregated safeguarding accounts. Never lent, never invested.
SECURE BY DEFAULT
Strong customer authentication on every sensitive action, PSD2 compliant.
YOUR DATA IS YOURS
GDPR compliant. Mo reads your spending to coach you, and nobody else does.
What is Monemon?
How are your funds protected?
How do we protect against fraud?
Are we related to crypto?
Who may open a Monemon account?
What personal data do we collect and can you delete it?