What Countries Does Monarch Money Work In?

Short answer: two countries — the United States and Canada. Monarch's own site announces "Monarch now available in Canada," and its help centre keeps a public Connection Status dashboard covering US and Canadian institutions. That is the full list. We could not find any statement from the vendor about the UK, Australia, Europe or anywhere else.

One detail worth catching before you sign up from Canada: the same page says "All prices are billed in USD." There's no Canadian-dollar pricing, so your card will handle the conversion.

Country by Country

🇺🇸 United States — yes. The home market, with the widest set of bank connections.

🇨🇦 Canada — yes, with a caveat. Monarch's help centre notes some Canadian banks are hard to connect or keep synced because they don't support third-party aggregators. Its own advice: "Try it for free for 7 days and confirm your institutions connect reliably." If yours is awkward, our Canada guide covers what works without a connection at all.

🇬🇧 United Kingdom — no. No UK bank support is mentioned on Monarch's site. The full answer is in does Monarch Money work in the UK; see also the UK guide.

🇦🇺 Australia — no. Same. The details are in does Monarch Money work in Australia, and the Australia guide covers local options.

🇪🇺 Europe and 🇮🇪 Ireland — no. Monarch names no EU bank or PSD2 provider anywhere on its site. Our Europe guide and Ireland guide cover what does work there.

🇮🇳 India — no. See the India guide.

🇦🇪 UAE and 🇸🇦 Saudi Arabia — no. Gulf banks sit outside every aggregator Monarch uses. We've written separate guides for the UAE and Saudi Arabia.

🇸🇬 Singapore — no. See the Singapore guide.

🇳🇿 New Zealand — no. See the New Zealand guide.

🇿🇦 South Africa — no. See the South Africa guide.

Why Canada Was the Hard Part — and Why It Stops There

Monarch is an aggregator-first app: it reads your accounts through data providers and builds budgets, reports and net worth on top. Adding Canada meant wiring those providers into Canadian banking, and the connection caveats above are what that looks like in practice. No app can fix an unwilling bank from its side.

Now multiply that by the UK's open-banking regime, Australia's Consumer Data Right and the EU's PSD2 rules, each a separate integration with its own reliability problems. That's why "more countries" tends to stay a hope rather than a date.

The useful lesson: any app whose core feature is "we read your bank feed" inherits the banking system it was built against. When you're comparing options, the first question isn't "is it good?" — it's "which country's rails is it built on?"

The Workarounds People Ask About

A VPN. No. Your location isn't the gate; your bank connection is.

Signing up from Canada to use a UK or Australian bank. Canadian availability doesn't add UK or Australian institutions — you'd get an account with nothing to connect.

Entering accounts manually inside Monarch. Possible, but you'd be paying in USD for an aggregator you aren't using.

What Works Everywhere Else

There's a category that sidesteps geography: trackers where you enter your subscriptions yourself. No bank connection means no banking rails, which means no country gate — it works identically in London, Melbourne, Berlin and Singapore.

Subgrove is built this way, and four things follow from that:

• No country gate. Nothing to restrict — you're typing in a list.
• Multi-currency. When your streaming bills arrive in local currency and your software bills in USD, multi-currency tracking keeps each subscription in the currency you pay it in and totals them per currency, so nothing drifts with an exchange rate.
• No bank credentials, anywhere. Which sidesteps the "does my bank support aggregators?" question entirely — see tracking without bank linking.
• iPhone, Android and desktop. It's a PWA: it installs from the browser to the home screen on any device, no app store, and works offline.

What You Give Up — Honestly

Subgrove is a subscription tracker, not a budgeting app. Monarch's category budgets, cash-flow reports, investment tracking and net-worth view are things a manual subscription tracker doesn't attempt. If a whole-finances picture is what you're after, that's a real gap, and our Monarch Money alternatives comparison walks through the full-budgeting options properly.

You also give up automatic detection. For most people that's a few minutes of typing, once — but it's honest to call it a trade.

Getting Started

Start with a sweep: finding forgotten subscriptions covers statements, email searches and the Apple and Google subscription pages. Then sign up from anywhere. The free plan covers your first five subscriptions; upgrades bill in USD. For how the other big US apps compare on geography, see what countries Rocket Money is available in.

Common Questions

Does Monarch Money work in Canada? Yes. Monarch's site states it is "now available in Canada." Some Canadian banks are harder to connect or keep synced, so use the free trial to confirm yours works.

Is Monarch Money available in the UK? No. Monarch's site and help centre mention only the US and Canada.

Is Monarch Money available in Australia or Europe? No. We could not find any statement from the vendor about either region.

Does Monarch Money charge in Canadian dollars? No. Its Canada page states that "All prices are billed in USD."

What's the best option outside the US and Canada? For subscription tracking specifically, a manual tracker with real multi-currency support, because no bank connection means no country restriction. That's the case made above.