Keep the change.
Set your daily budget with Monemon. Whatever’s left in the evening, bag it with one tap. Your money coach Mo is with you along the way, turning small amounts into a savings cushion, step by step.
MONEMON
now
Saved today: €3.40
12 day streak
Every saving day counts.
Mo helps you stick to your daily budget. If you stay under it, you can bag what’s left in the evening with one tap. Every saving day adds to your streak, and you can see right away how small amounts grow over time. Saving starts to be fun – and becomes a habit along the way.
Hi, I'm Mo!
How saving becomes a habit.
Your money at a glance.
Account, Mastercard, daily budget and Bag: at Monemon, it all works together. Click through the real screens of the app.
App-Screen: Start
Platzhalter – Screenshot einsetzen
Home
Bag
Card
Levels
You look after your life.
Mo looks after your budget.
Mo is your money coach in the app. It learns how you spend and checks in at the right moment: with a cheer when you save, and a heads-up when money gets tight.
There’s something left.
You had €12 left from yesterday’s budget. Want to bag it?
Bag it ›
Good day today.
You’re €8 under your daily budget. One tap and it’s saved.
Keep the change ›
No spending today.
Your whole daily budget is still there. Bag it and extend your streak.
Save it all ›
How Mo checks in
When things go well
Saving days, payday, new levels: Mo celebrates with you.
Strong day yesterday. €6 left over. Want to bag it now?
When money gets tight
If you spend more than planned, you’ll get a heads-up in time.
You’re €3 short for this purchase today. You’ll have room again tomorrow.
When you go over budget
No drama. Mo spreads the difference over the next few days, so your streak keeps going.
You went over your budget yesterday. We’ll spread the amount over the rest of the week.
When things go quiet
No spending, no activity: Mo sends a friendly reminder.
No spending yet today. Your whole daily budget is still there. Want to save it?
Security
Fun on the outside. Secure on the inside.
Monemon is an EU-licensed e-money institution. Real IBAN, real Mastercard, real supervision. We joke about your fast food, never about your money.
Licensed and supervised
Monemon is licensed as an e-money institution under EU law and supervised by the Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon).
Customer funds safeguarded separately
Your money is kept separate from Monemon’s own funds, in safeguarded accounts. It isn’t lent out or invested.
Secure approvals
You confirm important steps with an extra check, in line with the EU payment services directive PSD2.
Your data stays with you
We process your data in line with the GDPR. Mo only uses your spending to coach you.
Frequently asked questions
