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Muniy is a personal finance account that you can use to manage your money. It is quick and easy to use, and it can help you keep track of your finances.

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Sign up in minutes to start sending and receiving funds

This means that it now only takes a few minutes to set up a new account at the bank, which is good because it means you can start saving money right away.


GBP and EUR accounts

You can have as many different accounts as you want and there are no limits on how much you can spend.

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Tech People


Spend money with your virtual and physical cards

If you want to get an unlimited number of EUR, USD, and GBP cards, you can request them from your mobile phone or laptop.


Connect to other services

If you use the Muniy app, you can connect to our partners to help manage your utilities, hotels and rewards. This can make it easier to keep track of your expenses and make sure you're getting the best deals.

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  1. Take a selfie

  2. Submit your proof of address

  3. Submit your ID

Account Created

TOP up

Transfer money via open banking, fast payments or SEPA from your external bank

Money is deposited

add card

Click on add card to pick your virtual card and your currency of choice. Top-up account to activate your card

Card created


Connect your new card to your mobile wallet and start paying with contactless payments 



Can my staff view their expenses?

Yes, your team members can view their own transactions and add receipts for any business purchases they make with their Expense Card.

To take full advantage of this feature, invite your team members to the Muniy Expenses app.

In your Muniy app, tap More, then Expense Cards
Select the team member’s name
Tap ‘Grant access’ – your team member will receive an invitation to register and download the new app

How do I cancel a Muniy Expense Card? What happens when I cancel a card?

Go to More > Expense Cards
Select a person from the list and then cancel their Expense Card
When you cancel an expense Card, you’ll be charged £5+VAT per Expense Card on the 4th of the following month. Any Expense Cards ordered within the same month will be billed on the 4th of the following month (there will be no further payment after that). There’s no pro-rata fee refund when you cancel an Expense Card.

Remember, if you have Plus membership, 1 free Expense Card is included.
And if you have Cashback or Premium membership, 3 free Expense Cards are included.

How do I freeze a Muniy Expense Card?

The main account holder can freeze or unfreeze individual or all company expense cards.

Go to More > Expense Cards
Select a person from the list and then you can freeze or unfreeze their Expense Card

If you can’t see the Expense Cards feature, go to the app store and check your Muniy app is up-to-date.

The main account holder can manage all your Muniy Expense Cards.

Expense Cards are a step towards building full team access. For now, team members can manage Expense Cards through the Muniy app that belongs to the main account holder. Team members can also use the Muniy Expenses app to view their own transactions and upload receipts.

The main user can fully manage access for the team – they can freeze and cancel cards, as well as share and view PIN codes. And, of course, they can see who’s spent what.

Why can’t I see Expense Cards in my More menu?

If you can’t see the Expense Cards feature, go to the app store and check your Muniy app is up-to-date.

How do I activate and manage Muniy Expense Cards?

You can activate, manage and cancel your team’s expense cards in the Muniy app. Go to More > Expense Cards

How many Expense Cards can I apply for?

You can order up to 50 Expense Cards per account.

If you have your Expense Cards linked to sub-accounts, these count towards the overall account maximum of 50.

If you have more than one Muniy account, you can have a maximum of 50 Expense Cards for each account.

Am I eligible for Muniy Expense Cards?

If you’re already with us, you’re eligible to apply. 🙂

How much do Expense Cards cost?

Muniy Expense Cards, our company expenses cards, are £5+VAT per calendar month. You’ll be charged £5+VAT per month for every Expense Card you’ve ordered (whether you activate it or not).

The fee is taken automatically from your Muniy account on the fourth of each month.

Depending on your membership, you could get one or more Expense Cards for free. On Plus you’ll get 1 free, on Pro you’ll get 2 free and on Cashback or Premium, you’ll get 3 free.

Please see our Muniy Terms for full details.

How do I order Muniy Expense Cards?

You can order company expense cards in the Muniy app.

Go to More > Expense Cards
Enter your team member’s details
Select the account(s) for which you want your team member to have an Expense Card
If your team member passes our security checks, the card will arrive at your trading address within a week.

How can I change my team members' monthly spending limit?

In your Muniy app, tap More > Expense Cards and select the name of the team member whose limits you want to change. From here, you can also set enhanced spend control for your team by limiting online payments, gambling payments and ATM withdrawals. You can do this any time and as many times as you like. If your team member makes a purchase that goes against the limits you’ve set, their transaction will be declined.

Can I edit my team members' spending limit as a one-off within the month?

Unfortunately not. The way this works at the moment, you would need to edit your team members’ spending limit for one month and remember to change it back for the next month.

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