Normally excellent service BUT all good things comes to an end. I chose to use Monese due to the flexibility they offer, but lately that has apparently become a joke to them, i guess that's the bad thing when they become bigger and bigger. I currently have an incoming transfer from a Danish bank to Monese, but due to the sender, by mistake was sending this transaction in GBP instead of EURO, Monese support is telling me that the transfer is returned to the sender, and this will take 5-10 work days. First thing first no transfer within EUROPE or for that matter the world should take that long. I know this has happened once before, back then Monese was able to take action and get the money to the account, BUT apparently previous good service level from Monese has gone down, now a days they don't care and say they return the funds to the sender. Besides that in general restrictions on the cards from monese is what you can call a joke, you cant use them in gas atm or similar, they also deny use on a long list of different money services. Monese apparently also limits where you are allowed to transfer funds, you can only do transfers within europe for some reason, not internationally. Chat support had a general answer time of below 30 mins before, now it has gone up to 1 hour+ And if they need additional information, they keep your chat open for hours and hours with no reply. So in short i can't advise anyone to make a monese account, since by now the service level is bad, i can only imagine it becomes even worse from now on.