Rates applicable as of December 15, 2023 (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.
The fees applicable to the use of the VISA Debit card are detailed below:
| Purchase of the card (production + delivery in France) | €20 |
|---|---|
| Card activation (and reactivation) | Free |
| Monthly subscription to use the card | €1.50 / month |
| Card deactivation (subscription suspension) | €5 |
| Payment by card in the Eurozone | Free |
| Withdrawal in the Eurozone | €1.50 / withdrawal |
| Online payment by card (euro payment) | Free |
| Online payment by card (currency other than euro) | 2% |
| Payment by card in Europe outside the Eurozone | 2% |
| Withdrawal in Europe outside the Eurozone | 2% + €1.50 / withdrawal |
| Payment by card outside the Eurozone | 2% + €0.50 |
| Withdrawal outside the Eurozone | 2% + €2 / withdrawal |
| Replacement of a defective or expired card | Free |
| Replacement of a declared lost or stolen card or placed in opposition | €20 |
| Purchase of a virtual card [Coming soon] | €5 |
| Apple Pay / Google Pay / Samsung Pay [Coming soon] | Free |