support just for you

MonieWorld is a trading name of Moniepoint GB, which is a distributor of PayrNet, an electronic money institution (EMI) that is authorised and regulated by the Financial Conduct Authority (FCA) under the licence number 900594. MonieWorld itself is not authorised or regulated by the FCA.

Moniepoint GB Limited

MonieWorld is a trading name of Moniepoint GB Ltd, which is a distributor of PayrNet Ltd (“Railsr”). As an electronic money institution (EMI), PayrNet Ltd meets strict regulatory requirements to protect your funds, which means any money added to your MonieWorld account is stored in one or more segregated bank accounts with a regulated third party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011.

Unlike UK banks, Railsr is not protected by insurance schemes like the Financial Services Compensation Scheme (FSCS) as this does not cover electronic money products. No other compensation scheme exists to cover losses from electronic money accounts.

Moniepoint UK Limited

MonieWorld is a trading name of Moniepoint UK Ltd, an electronic money institution (EMI) that is authorised and regulated by the Financial Conduct Authority (FCA) under the licence number 900098.

As an EMI, Moniepoint UK Ltd meets strict regulatory requirements to protect your funds, which means any money added to your MonieWorld account is stored in one or more segregated bank accounts with a regulated third party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011.

Unlike UK banks, Moniepoint UK Ltd is not protected by insurance schemes like the Financial Services Compensation Scheme (FSCS) as this does not cover electronic money products. No other compensation scheme exists to cover losses from electronic money accounts.

All new customer accounts opened on or after 1 December 2025 will be provided by Moniepoint UK Limited, and all customer accounts opened before this date will be migrated from Moniepoint GB Limited to Moniepoint UK Limited. You will be contacted individually to inform you of your migration date. To find out which entity provides your account, log in and view the T&Cs or contact customer support.

GBP accounts with sort code 04-35-91 are provided by Moniepoint GB and GBP accounts with sort code 04-19-29 are provided by Moniepoint UK Limited.

Keeping your money secure is our top priority.

Your MonieWorld account is protected by a variety of security features to ensure your account is safe:

• Identity: We use advanced technology to perform quick and thorough identity checks, so that only authorised users can access their account or make transactions.

• Personal information: By enabling biometrics or a passcode on your device, your account is secure if you lose your phone or if your account is accessed from a new device.

• Data privacy: Your information is stored and processed securely. All data transfers between our apps, servers, and third parties are encrypted to keep your data safe.

These measures work together to provide a high level of security, so your account is safe against fraud and scams.

If you’re not sure about a transaction or balance on your account, or if you’ve lost or misplaced your device, get in touch with our customer support team through the Help Centre and they can put a temporary lock on your account.

Once your account is locked, you will have to complete an identity verification upon your next login to confirm your identity, as well as reset your passcode for added security.

We perform monitoring and screening activity to comply with partner and regulatory requirements. Depending on the circumstances, this may include assessing the source of funds for certain transactions and monitoring transaction activity for anti-money laundering (AML) purposes.

Where we identify an increased risk of money laundering, or where a customer is classified as a politically exposed person (PEP), we may conduct additional due diligence measures.