Terms and Conditions

Effective of: 27 Mar 2024

These Terms and Conditions (“Terms”) apply to your access to and use of the Monesave application “Application” provided by provided by Monesave, a trading name of Focus on Monesave Ltd, a company incorporated in Ireland (Registration Number 737434), Monesave Ltd, a company incorporated in UK (Registration Number 14736675), address The CHQ Building, Custom House Quay, Dublin 1, D01 Y6H7, Ireland (“We”, “Us”, “Our”, “App provider“, “Provider“).

Our contact details are:

  • Website www.monesave.com.
  • Email: support@monesave.com
  • Ireland Office: The CHQ Building, Custom House Quay, Dublin 1, D01 Y6H7, Ireland
  • Phone: +353 1 442 9650 (Ireland) or +41 44 585 24 55 (Switzerland)

Prior to using our Services, you should review the following agreements from our Third-Party Providers, which are hereby incorporated into these Terms:

  1. Breakdown of Monesave Fees and Charges Here.
  2. Striga Terms:
    if you use our Services to open virtual asset accounts and Virtual IBANs, you must agree to Striga agreements found Here.
  3. Monesave Privacy Policy Here.
  4.  Your Financial Institution’s Terms: we recommend that you read all applicable agreements from your banks and financial institutions.

You can access the Application through Our Website, Apple App Store and Google Play Store when available. Please refer to the Monesave Website for details on when the app will be available in your Country.

Through the Application, you can access the following services “Services”:

  • Use of the Application.
    • Budgeting
    • Group savings
    • Savings pot and goals 
  • Virtual Asset Services – provisioning a virtual asset wallet/account and providing virtual asset exchange and transfer services for Fiat and Crypto.
  • Virtual IBAN issuing – for fiat currency deposits and withdrawals.

By using or accessing the App either via a computer, mobile phone or other electronic device either App or the Website (including the mobile version of the Website) or any product, content or other service made available by Monesave, you hereby agree to be bound by these Terms as well as additional third-party terms and conditions as indicated in these Terms or in other documents provided in the App or on the Website.

Services are provided in cooperation with Our third-party providers. Your use of the Services is hence additionally subject to the terms of our third-party providers which you must accept before using the Services.

Virtual Asset services are provided, and Virtual IBAN issuing and transacting is made available by Striga Technology OÜ (registry code: 16298772), address: Sepapaja 6, Tallinn, Estonia, in accordance with its terms and conditions.


If you wish to use the Services, you must create an account in the Application. Your account must be linked to a valid e-mail address, and you must create a password that you will be using to log in to your account.

Data Security

When signing up to use Monesave you must complete a signup form with name, email address, phone number, address, and ID. This information will be stored for the purpose of providing you with the best possible service and as required by the Financial Authorities.

The customer accepts that Monesave is entitled to use third-party suppliers in all conditions, including development, maintenance, and data storage.

All data are stored securely to prevent un-authorized third party access.


You are solely responsible for determining the complexity of and safeguarding your passwords and Personal Identification Numbers (“PIN”) for the Services and your User Information. If you share or otherwise disclose any such password or PIN to any third party, they may be able to access your User Account or Financial Institution Account information, and you will be solely responsible for any consequences of such sharing or disclosure. By using the Services, you acknowledge and agree that internet and cellular transmissions cannot be assured of complete privacy or security.

If you notice misuse, theft or unauthorized use of your mobile device, mobile PIN or any other activity that makes you suspicious, you must promptly contact the customer service via email at support@monesave.com and, if possible, enable the appropriate security features on the Services.

You must warrant that you take all reasonable steps to:

  • ensure that your mobile device and your mobile PIN are kept safe and secure;
  • ensure that access to the Services is kept safe and secure; and
  • ensure you review your Services regularly to confirm that it does not reflect any unauthorized Transaction.

You agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions. Monesave will not be liable for any of your losses that are caused by any unauthorized use of your User Account, you may be liable for the losses of Monesave or others due to such unauthorized use. You shall immediately notify Monesave of any unauthorized use of your User Account and contact our customer service via email at support@monesave.com.

Registration and User’s Account

The Services may be used only after Registration is successfully completed. The User acknowledges that the App will not be available without Registration. Please refer to our partner – Striga’s T&C for more information on registration requirements.

The User is responsible for keeping their User’s Account login and password credentials secure and confidential. Monesave cannot and will not be liable for any loss or damage resulting from your failure to comply with this security obligation.

To extend security, Monesave recommends to use PIN or biometrics protection of your Monesave App. Provider assumes that any messages and requests submitted into an App directly from an App’s environment or through the desktop platform are made by a registered User. For certain requests an email confirmation can be required by Monesave to ensure the identity of User is not compromised.

Use of App and Prohibitions

You must use the App or Website only in accordance with these Terms. You should not use the App or Website when the usage would distract your ability to concentrate on situations which may cause death or are dangerous to your personal health or the health of others. Examples include when driving a vehicle, working with hazardous materials, working with electrical appliances, moving sharp edges, walking in the crowds, etc. Any damages and losses related to inappropriate usage are the sole responsibility of the User.

You may not use the App for any illegal or unauthorized purpose. You must not, by using the App, violate any laws in your jurisdiction (including but not limited to copyright or trademark laws).

Users must not modify or adapt the App or modify another website so as to falsely imply that it is associated with the App or the Website or any other of Monesave’s Services. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the App, and not to use or access the App without the express written permission of Monesave. Monesave may, but has no obligation to, remove Content and accounts containing Content that it determines in its sole discretion to be unlawful, offensive, threatening, libelous, defamatory, or otherwise objectionable or to be violating any party’s intellectual property or these Terms. Verbal, physical, written, or other abuse (including threats of abuse or retribution) of any of Monesave’s customers, employees, members, or officers will result in immediate account termination. You understand that the technical processing and transmission of the Service, including your Content, may be transferred unencrypted and involve.

(a) transmissions over various networks; and

(b) changes to conform and adapt to technical requirements of connecting networks or devices. You must not upload, post, host, or transmit unsolicited email, SMS, or “spam” messages.

You must not transmit any worms or viruses or any code of a destructive nature. If your bandwidth usage significantly exceeds the average bandwidth usage (as determined solely by Monesave) of other Provider’s customers, Monesave reserves the right to immediately disable your account or throttle your file hosting until you can reduce your bandwidth consumption.


We charge the following fees for the Services we provide through the Application:

Fee type Amount
Virtual Asset Deposit

Virtual Asset Withdrawal (+ network-fee-based-fee applies to withdrawals)
Fiat Deposit
Fiat Withdrawals
Virtual Asset Trading
1% of the Crypto trading transaction Amount.

Creation of Pots and Groups on the app
No Charge
Virtual Cards (COMING SOON)
€0.75 per virtual card activated (Estimated cost - CARDS coming soon. Refer to the Monesave App for details)
Fee for using Monesave Premium Features
Social Budget: €9.99

Monesave Parent Account: €9.99
Physical Cards
Cards Coming Soon (Users will be notified on the Monesave app)

We collect the above fees through our third-party provider Striga Technology OÜ. We guarantee that we instruct Striga Technology OÜ to debit the fees payable by you from your account in accordance with the pricing applicable to you. We assume sole liability for compensating charged fees to which you have not consented.

Fees for Monesave Premium features are deducted by an on-chain withdrawal from the the user’s Monesave wallet. (For example: 10 EUR -> USDT, withdrawn from the user’s wallet).

No other fees are collected from Monesave other than those described above.

Modifications to the Service and Prices

Monesave reserves the right, from time to time modify the pricing with notification on the website, the app and applicable terms.

Prices of all Monesave Premium features, including but not limited to monthly/annually fees for using Monesave Premium features, are subject to change with 30 day notice from the Monesave. The fees for using Monesave are billed in advance on a recurring and periodic basis (“Billing Cycle”). Billing cycles are set either on a monthly or annual basis, depending on the type of feature plan you select on the app. 


You may cancel the Monesave Feature and will no longer by charged by notifying us through the dashboard on the Monesave App or by contacting Monesave customer support team, and such calculation will be effective in the month following the month you provide us notice.

You understand that unless and until you notify us of your cancellation, the fees for the Monesave features will automatically renew, and you authorize us or our authorized third party payment provider (without notice to you, unless required by applicable law) to charge you the applicable fees and any taxes, using any eligible payment method we have on record for you.


Support and Maintenance

The Monesave service is developed and improved continuously.

Monesave reserves the right to update and change the content in the service as part of its regular maintenance. Monesave strives maintain possible stability during maintenance windows but is not under liability for any interruptions or breakdowns caused by circumstances beyond Monesave’s control. This being but not limited to electrical cuts, issues with an internet connection, issues with hardware, hacker attacks, virus or other types of force majeure.

If you have any queries, you can reach Monesave via contacts provided in the Contacts section. Please consider that the support to the App may be constrained due to the limited capacity of Monesave.

We will notify users of downtimes and scheduled maintenance at least 24 hours in advance (where possible) via in- app notifications. 


We process your personal data in accordance with our Privacy Policy, available here.

To the extent we process your data upon the instructions of Striga, we act as a data processor, but upon processing any additional personal data and/or for additional purposes, we act as a data controller.

We take your privacy and data protection very seriously. We share and analyse your personal information only in limited scenarios and for the limited purpose as explained in our Privacy Policy HERE. By using the Monesave App, you agree to the collection and use of personal information in accordance with our Privacy policy HERE.

Permissions and Privacy Policy

To access the App features such as chats, budgeting, group savings, geolocation services, payment account synchronization, identity, contacts, wi-fi connection or others, you must grant Monesave access permissions required by the App, respectively by Google or Apple or 3rd party provider. This access will be used only for the activities related to the functionality of the App; Some other information is scanned on your mobile device. You can manage your consent to permissions inside the App and in your mobile device settings.

Further information can be found in the Privacy Policy on the Monesave Website. Your disagreement to those permissions will prevent the App from displaying requested functionality, where the permission is required. Disagreement to these Terms can be expressed by deleting your account at any time.

We only process your personal data in order to provide you with the Service. For details of processing personal data please refer to our Privacy Policy here.


We may change these Terms at any time by updating them on the Website.

Unless stated otherwise, any change takes effect immediately. You are responsible for ensuring you are familiar with the latest Terms. By continuing to access and use the Monesave website and App, you agree to be bound by the changed Terms.


Support is available 24/7 via our in-app chat. To get there, just follow these simple steps in-app: Go to your Dashboard  → select ‘?’ for help → then type your topic or query on the pop up box.

You may reach also our customer service by the following ways:

  • Email: support@monesave.com
  • Phone Ireland: +353 1 442 9650 or +41 44 585 24 55

We will reply to your query within 24 hours. Depending on the complexity of the query, we will advise you of timelines and next steps accordingly

Definitions and Interpretation

API means Application Programming Interface – a set of functions and procedures that allow the creation of applications which access the features or data, or content of an operating system, application, or other service provided by a 3rd party.

App Store means an app store platform allowing users to browse and download apps including the App, e.g., Apple Store, Google Play, or HUAWEI AppGallery.

Content means anything that is to be expressed in an App, the Website, or other media such as speech, chats, writing, a film, clip, video or any other various information. Content can be created by the Monesave or by the User.

Contract means an agreement on using an App and/or providing the Services according to these Terms entered into between the Monesave and the User.

No Charge features mean a basic set of Services available in an App with no charges.

Premium features mean additional set of Services which are bringing certain value for certain Users and are accessible on the App. This set of features is not definite as Monesave can add or remove Premium features anytime.

Registration means the process of entering User identification data into the registration form on the Website or directly in the App and acknowledgment of the sending of the form to Monesave.

Service or Services means a set of an App’s features which allow Users to save, budget, track and analyze their financial situation. Services may be different for Users of different platforms – App (Android, iOS) and Website – and are divided into No charge features and Premium features. Monesave has the right to add or limit scope of Services at any time.

Sharing means to give specific User’s access to online Content in the App or on the Website. This is done via a Premium feature called Group sharing, where the User can opt to invite and select other Users by choice to give them access and roles to view, manage or administer Content in an App.

User or you means a person who uses an App, the Services, and other applications, websites or reads content created or made available by Monesave.

User’s Account means the User’s account created by Registration in the App or online at the Website. The login in the User’s Account is possible through login information, which is the User’s name and password. The User receives the login information by registration of the User’s Account, or the login information is created through connecting the User’s Account with the User’s email address, Apple or Google+ account.

Website means a connected group of pages available at www.monesave.com on the World Wide Web, regarded as a single entity with certain Content maintained by Monesave.

© Movesave 2024. All rights reserved.
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