moey! review

The headline rate is 0% and it is variable, so it can change rather than being locked. Compared with the 3% median across savings listings, the balance earns very little. It is built for holding and spending money rather than growing it.

The monthly fee is €0, and the pricing model is a no monthly fee one. Among cash management listings, the account fee median is €0, so the running cost sits at the cheap end. Costs here are about access and funding method rather than charges.

Yes, the balance is reachable straight away inside the Moey app, and the variable rate means nothing is locked for a term. You top up by salary, MB WAY, IBAN transfer or by requesting money from another person, so access suits a balance that moves weekly.

Money goes in by salary, MB WAY, IBAN transfer or a request for money, which suits anyone paid into an account rather than handling notes day to day. The account is held by Caixa Central de Credito Agricola Mutuo in Portugal, with the balance managed from the app.

Yes, moey! issues a physical debit card, which is the main way the balance gets spent. The monthly fee on the account is €0, so the card adds nothing to the running cost. Debit cards are the most common card type across these listings at 82.2%.

It is based in Portugal, with the account run by Caixa Central de Credito Agricola Mutuo, so it is aimed at people living and banking there. Cash management listings on the site skew to a business audience at 80%, though this one serves everyday personal money. Anyone outside Portugal should check eligibility first.

Support runs through help centre and phone, so a help centre and a phone line are both there, with live chat not among the listed channels. Cash management listings most often offer a help centre at 89.4% and phone support at 59.6%.

It is listed as a cash management account, which explains the variable rate of 0%. Easy access accounts make up 75.2% of the wider set, while cash management accounts are a small slice at 3.8%. Treat the balance as spendable money rather than a pot for growth.