Paris Trip
£342 / £500
Features
Everything your money should have told you earlier.
MONA packs everything a modern money app should have — and none of the boring stuff that makes you avoid opening it.
Core features
Six reasons your finances will thank you.
📊
Track the chaos
See where your money goes before your balance starts acting mysterious.
🔥
Get roasted responsibly
Honest spending feedback with enough humour to keep you from crying.
💚
Save without thinking
Tiny suggestions that help you build savings in the background.
📅
Bill jump-scare blocker
No more surprise subscriptions sneaking up on your balance.
🤖
24/7 AI money coach
Ask anything, any time. MONA never judges.
📈
Weekly summaries
A Monday morning money report you'll actually want to read.
Talk to your money
Talk to your money like it's a group chat.
Ask anything. MONA gives straight answers with a side of personality.
M
MONA
Your AI money coach
How's my budget looking?
You've spent £142 this week. £58 on food, which is technically fine. Technically.
Is that bad?
It's not bad. But the iced coffee situation is developing its own economy.
Ask MONA anything...
↑
Spending insights
Finally understand where it all goes.
MONA breaks down your monthly spending into clear categories. No guessing. No dread.
- ?Automatic category detection
- ?Month-on-month comparison
- ?Overspend alerts by category
- ?Top merchant tracking
This month
£746 spent
Food & Drink£284
Transport£134
Subscriptions£105
Entertainment£119
Shopping£104
9:415G
MONA
Hey Skai
Your money vibe is: mostly calm
Main goal
Paris Trip
68%
£342 / £500
£158 left before croissants become research.
Emergency fund
£210 / £700
MONA suggests
Move money to savings today.
Safe to spend after bills: £218.
Savings
Small moves. Big results.
MONA identifies tiny savings opportunities throughout the month. Spare change round-ups, micro-deposits, and smart goal tracking — all without drama.
GOAL
Custom goals
Holiday fund, emergency buffer, new laptop — set it and watch it grow.
AUTO
Auto-move
MONA quietly moves spare cash before you spend it accidentally.
68%
Progress bars
Visual momentum that actually makes saving feel good.
WIN
Milestones
Celebrate the small wins. They add up faster than you think.
Bill tracking
No more bill jump-scares.
MONA detects recurring payments, upcoming direct debits, and mystery subscriptions before they ambush your balance.
Netflix
Due in 3 days
Gym membership
Due in 7 days
Spotify
Due in 12 days
Cloud storage
Due in 18 days
9:415G
MONA
Hey Skai
Your money vibe is: mostly calm
Safe to spend
£218
£36/dayCategory spending
Roast Mode
Financial honesty. With personality.
Roast Mode gives you a weekly spending review that's genuinely funny — and genuinely helpful. Because shame alone doesn't change habits.
?
You spent £48 on iced coffees. At this point you should just buy a machine.
CAB
Three Uber rides in one day. There's a thing called walking. It's free.
FOOD
Your grocery spend went up 22%. Is this a phase, or a lifestyle pivot?
Roast Mode available on Plus and Glow Up plans.
Security
Your money stays yours.
We built MONA on the principle that your financial data should never feel like a liability.
LOCK
Bank-grade encryption
256-bit AES encryption on all data, in transit and at rest.
READ
Read-only access
We can see your transactions. We cannot touch your money.
NO ADS
No data selling
Your financial life is yours. We never sell or share it.
FCA
FCA aligned
We follow Open Banking standards and UK financial regulations.
Ready when you are
Ready to make money less painful?
Start chatting with MONA and get your spending under control without becoming boring about it.