I would like to apply for a MoneyMona e-Current Account – what do I need?
You must be 18 years of age or over and a UK Resident. You need to provide proof of your identity and address so, before applying, please have the following details available: your full name, address, phone number, email address and photographic id - your passport and or driving licence. No application fee applies. You can apply for a card and the fee can be taken by debit/credit card through NoChex, PayPoint or SMS payments.
Can I order an additional card when I apply for a MoneyMona e-current account?
Yes, you can order an additional card for a family member, partner or friend at the time of application, provided that the additional cardholder is 13 years or over. Alternatively, you can request an additional card on your e-Current Account when your account is active. There is a £5.00 fee for an additional card and only one additional card per account is allowed.
Is there a charge to open a MoneyMona E-Current Account and how do I pay?
No fees are charged to open an account, there will be a £3 monthly management fee..
Do I need to sign an agreement?
Yes by activating your card you are agreeing to the terms and conditions of the account. The terms and conditions will be sent to you with your card. They can also be viewed via your online account and on this website.
Can I use a MoneyMona card the same as a Bank Current Account?
Yes, MoneyMona is a Visa Debit Card - not just the usual Prepaid card offering - and does not offer an overdraft facility. You can only spend what is loaded onto the card. Your online account can be used in a similar way to other online banking accounts - the only difference is we do not offer a direct debit facility. You can set up standing orders easily enough from the online portal. There are no hidden charges and you can view the fees here on the website.
How do I activate my card?
You will receive a 3 digit activation code by text and email; to activate the card you will need to do one of the following:
Online by logging into your online e current account and following the activation instructions provided.
Telephone 0844 412 1724 (calls cost 0.05p per minute plus network charges) Choose option 2 and follow the instructions. Choosing this option also means you can retrieve your PIN at the same time.
Text ACTIVATE along with the last four digits of the card number and your activation code to 07770 500 500 (your text message should look like this: ACTIVATE 1234 983)
How do I retrieve my PIN?
Online by logging into your online e-current account and following the PIN retrieval instructions provided.
By telephoning 0844 412 1724 (calls cost 0.05p per minute plus network extras), choose option 2 and follow the instructions.
When can I start using my card?
You can start using your card as soon as it has been activated and funds have been loaded into your MoneyMona e-Current Account.
How do I sign into my online e-Current Account?
Once your e-current account is opened you will be sent an email with your username and password. You can then login via the 'login' button on this website.
What is included in my online e-Current Account?
You can do the following on your MoneyMona e-Current Account:
- View and print statements
- Pay bills
- Transfer money to other accounts
- Set up standing orders
- Request an additional card for a family member or friend
- Refer a friend
- Update your personal details
- View your agreed MoneyMona account Terms and Conditions
- Report your card lost or stolen
How do I receive my REWARDS?
Cash Rewards are automatically credited to your MoneyMona e-current account each month in arrears. The rewards and bonuses earned by shopping at our many featured retailers using your MoneyMona Visa Debit Card are easy to use. It's that simple.
Can I pay my utility bills using my MoneyMona E-Current Account?
Yes, you can pay individual bills and, if your utility provider accepts Standing Order payments then you can set this up to make regular payments from your e-Current Account. We do not offer Direct Debits on your MoneyMona e-Current Account but you can set up regular payments by using our envelope function the same as standing orders.
How do I add more funds to my MoneyMona e-current account?
To load / top-up your e-current account with cash at a PayPoint location, please take your card to any PayPoint retailer and hand it over along with the money you want to put on it. The retailer will swipe the card through their terminal and load your account with money. The cash will be available on your card immediately.
If you prefer, you can print out your PayPoint top-up slip (with barcode) from within your e-current account online, take it to a PayPoint retailer and give them the slip with your cash and your money will be in your account within 24-36 hours. You can give the PayPoint top-up slip to anyone as it is unique to you and can only be used to deposit money.
To find your nearest PayPoint retailer, click here
Alternatively you can transfer money from another account or have your salary benefits paid onto your card. You will need to provide the following details to your employer or the company / person transferring the money:
Account Name: Name on the account
Account Number: 8 digit account number*
Sort Code: 62-30-53
Bank Name: Natwest Bank, Exchange Buildings, High Street, Skipton, BD23 1JL
All available within online account or from Customer Services following completion of application.
Topping up via bank transfer is free.
How quickly are funds available in my e-current account?
Paypoint: Funds loaded using your card are available immediately. Funds loaded using your unique bar code are available 24 – 36 hours after the transaction. (See fees page for charges and maximum load.)
Bank transfers: For payments into the e-current account we will load them on the day we receive the funds.
How quickly are funds transferred from my e-current account?
BACS – up to 3 working days
Next day bank transfer (request before 4.30pm) – next working day
CHAPS (request before 2.30pm) – same day
How do I know when someone has put money on my card?
You can set up e-mail and / or SMS alerts to advise you when you have received a payment into your e-current account. These alerts are instant, you will receive them as soon as funds are received and cleared.
Where can I use my MoneyMona Visa Debit Card?
You can use your MoneyMona Visa Debit Card wherever you see the Visa acceptance mark, including shops, restaurants, online and for telephone or TV shopping. You can withdraw cash at ATMs and request cashback at most supermarkets. Please see fees page for information on charges.
How do I get cash out of my e-current account?
You can withdraw cash from an ATM using your card and PIN. We will charge you 0.75p per withdrawal and some ATM operators may add an extra fee for each withdrawal. You can also get cashback, free of charge, at most supermarkets.
Can I use my card abroad?
Yes, your card can be used worldwide – wherever you see the Visa acceptance mark.
What if I need to return an item I bought using my card?
The retailer will use the same return policy they have for any Visa card – this could be crediting your card, providing a cash refund or offering a store credit.
If I have a bad credit history, can I still get an e-current account?
Yes, you can get a MoneyMona e-Current Account and Visa Debit Card, regardless of your credit history. As long as you can pass our identity check.
Will I receive interest if my account is in credit?
No, you will not earn interest on your account balance.
What if my card is lost or stolen?
If you lose your card or it is stolen, or you suspect that your PIN or password is known to an unauthorised person, you must tell us immediately either by logging on to your account to notify us or by calling us on 01756 693 275. Your Visa Debit Card will immediately be cancelled and we will arrange for a new card to be sent to you. There is a £10.00 charge for reissuing a card and PIN. If you subsequently find the card, please don't use it - cut it in half through the signature box, magnetic strip and CHIP.
Do I need to inform you of changes to my personal details?
Yes, please let us know as soon as possible if you change your name, address, telephone number, mobile number or e-mail address. You can do this by logging into your e-current account and updating your personal details or by telephoning our customer services team. Evidence of a name change is required (e.g. marriage licence) and proof of address changes.
How do I contact you?
You can contact us by telephone +44 (0) 844 412 1724 or email at help@support.moneymona.com or info@moneymona.com between 8.30am to 6pm Monday to Friday, and 8.30am to 5pm Saturday (excluding public holidays). You can also refer to our contact us page www.moneymona.com
