Trivia monacha, also known as the European cowrie or spotted cowrie, is a species of small sea snail, a marine gastropod mollusc in the family Triviidae, the trivias. The name Trivia means "common" and the word monacha means "solitary". It is worth comparing this species with the similar species Trivia arctica, the northern cowrie.

Trivia monacha can be confused with Trivia arctica, the former being larger and having 3 distinctive brown spots on its shell. There is no operculum present, and the females have an additional ventral pedal gland. This species feeds on the ascidians Botryllus schlosseri, Botrylloides leachi, and Diplosoma listerianum.