Monetas Reviews 

One downside is that the rewards only work at participating retailers, so not every purchase gets that cashback boost no matter how well you budget otherwise.

The customer support response time is genuinely impressive, getting back to me within hours rather than days when I had technical questions about data security.

I initially worried the £29.99 monthly cost was steep, but discovering forgotten subscriptions within week one paid for itself several times over already.

Stay away, luckily I realised before I entered any details . I work in web design so came apparent quite quick with the wording and format of their site . This is a huge SCAM , do not enter any details to these cowboy thieves . They should be reported for various of activities. Somewhere gdpr is being breached as iv never been on this site before or applied to them yet they have my details . They are a piss poor directors just looking at robbing people . Stay clear !!!

Number 1 mf number 1 thief may god guide them to hell

The affordability score actually makes sense without needing a finance degree, which beats most apps I've tried.

Scam. Some hidden subscription with free trial then charges bank a week later.

The FCA financial conduct authority, is well aware of loan fee scams but hasn't done anything about it.
There web page useful, search 'FCA loan fee scan'

If I could give no stars I would.
I paid £1.99 as requested, then looked in to it a bit further realising yoga’s to pay membership so I IMMEDIATELY cancelled but got charged £28.99 today anyway! Now it says I’ve cancelled as of today when the money has come out. Nice. I’ve tried emailing and calling but it says number isn’t recognised. I want my money back. Absolute con

never even signed up and got a charged from this company.

This a scam.

Took money from my account unauthorised avoid total fraud

Unintentionally subscribed with this company, thinking I was getting a loan. Fees were taken from my bank account, as I provided card details, but, when I called the contact number to cancel, I was immediately helped and told everything was cancelled, no problems.

Fake website and don't waste your money

Finally understand what I can actually afford each month. The Affordability Score cuts through all the confusing credit stuff and just shows me the real numbers based on my actual income and spending. Saved me from making a bad decision about a loan last week.

This company is well dodgy.
They have tried to take nearly £30.00 out of my account every week and have now changed the days they are taking money out.
What this company is doing is fraudulent, and I will be reporting them to the Police.
Be very careful peeps

Used a Partner of theirs - i never heard of Monetas before at some point in the scam they pass you onto these morons website and they charge you £1.99 for the pleasure of doing nothing then sign you up for a £29.99 subscription to there credit services. The host website showed me a loan of £350 with a payback rate of £29.99 per month, i deliberately avoided the tickbox to signup for credit services (i already use a free one, Clearscore) what your actually signing up for is a Monetas account, once on their site you have to apply for loans all over again. Meanwhile Monetas have access to your acount. If this happes to you Cancel the subscription immediately then contact your bank and get them to block payments to Monetas the scumbags.

What stood out to me is how it focuses on real spending behavior rather than ideal budgets. It gives you a realistic view of what you can actually afford, which feels more practical than other apps I’ve tried. The experience overall feels smooth and well thought out. Still, some of the recommendations felt a bit generic at times.

Monetas keeps trying to take £28.00 early hours of the morning from my bank account. I never asked for any of their services.

On the premise of getting a loan you get charged 1.99 admin fee then they attempted to take 28.99.

Most terrifying part is several days later they then tried to empty my bank account luckily the bank stopped it.

100% scam, and they prey on financially desperate people.