Rates applicable as of January 9th, 2025 (inclusive of taxes)
<aside> 💬 This brochure describes the main financial conditions applied to banking and financial operations on your Moneco account.
For any additional information, you can contact our Customer Service via the Chat in the Moneco application or by email at [email protected].
This brochure is also available on our website.
By signing the General Terms and Conditions of Use for the Moneco Application, you also accept these rates.
</aside>
At Moneco, account opening and account maintenance are free!
The Moneco account is a payment account, which means it does not allow for overdrafts: no surprises and no overdraft fees!
| Account opening | €0 |
|---|---|
| Account maintenance fees | €0 / month |
| Minimum balance | €0 |
| Instant card top-up by bank card | Free up to €100, then 1% per top-up beyond |
| Account closure | Free |
| Issuance of RIB / IBAN | Free |
| Monthly electronic account statement available in the Moneco Application | Free |
| Annual summary of fees, delivered electronically in the Moneco Application | Free |
The VISA Debit card is optional and must be requested after opening the Moneco account.
It is accepted worldwide on the VISA network.
The production and delivery in France of the card are billed at €20. Delivery is usually made within 3 business days.
Activating the card then involves a monthly card subscription of €1.50.
If the card is not used for 12 consecutive months, Moneco reserves the right to deactivate the card and suspend the subscription. The card remains valid but must be reactivated by the user if they wish to make card payments or cash withdrawals.
Similarly, in the event of non-payment of the monthly card subscription fee for 3 consecutive months, Moneco reserves the right to cancel the card, which will then be unusable. The user must then order a new card at his or her own expense if he or she wishes to reuse the card.
The fees applicable to the use of the VISA Debit card are detailed below: