Receive
Get your own local account details — a US account number, a European IBAN, a Colombian Bre-B key — and get paid like a local, wherever the work comes from.
For your life · For your business
Money without the why.
Get paid locally. Move money globally. Accounts, payments and a clearer picture of it all — in one place, explained like it should be.
- ✓ A US account — no SSN needed for eligible non-US residents
- ✓ Local account details in 6 currencies, on rails people already use
- ✓ Send to 50 destinations — see the route, rate and fees before you confirm
- ✓ Open it right from your phone — no branch visits, no paperwork pile
US accounts without an SSN for eligible non-US residents. Identity verification and provider approval required.
Connected to established payment infrastructure
8currencies with local account details
50payout destinations worldwide
6familiar local rails — ACH, SEPA, Pix, SPEI, Bre-B, Faster Payments
One appfor international payments and a clearer view of your money
Made to fit your life
One app for the way money actually moves.
Life moves. Your money should too — receive payments from abroad, bring your currencies together, and understand where it all goes.
Send
Pay family, friends and suppliers on familiar local rails. You see the route, the rate and the fees before you confirm — never after.
Understand
Ask plain questions about your spending and get clear answers — who you're paying, what's pending, and what already landed.
Virtual accounts
Get paid like a local, in 6 currencies.
Your own account details in six currencies, using familiar local payment rails.
USD · United StatesACH + wire
EUR · Euro areaSEPA
GBP · United KingdomFaster Payments
BRL · BrazilPix
MXN · MexicoSPEI
COP · ColombiaBre-B
Account routes: USD, EUR, GBP, BRL, MXN and COP. Access varies by residence, verification, provider approval and route availability. Not all six account routes are available to every customer.
A US account.
No US SSN?
Eligible non-US residents can apply with supported local identification, then receive dollars through US account details and euros through eligible SEPA accounts.
See how eligibility worksUS residents generally need an SSN. Mexican identification is supported where accepted by the provider. Identity, address and other verification requirements still apply.
From balance to card.
Move eligible funds to a supported debit card with the amount and fees shown before you confirm. A first look: the Monet debit card is on its way.
Get MonetAvailable cards, currencies and delivery times depend on your location, verification, card issuer and provider availability. The Monet card is coming soon, pending issuer certification.
Send money
You stay in control, from here to there.
From a customer's bank transfer to your next supplier payment — nothing moves until you've seen exactly how it moves.
1
Pick who and where
Choose a saved recipient or add a new one, in any of 50 destinations — bank account or supported wallet.
2
Review the whole picture
The route, the exchange rate, the fees and the delivery estimate — all on one screen, before you confirm.
3
They get paid locally
Money arrives on the rails they already know: ACH, SEPA, Faster Payments, Pix, SPEI, Bre-B and more.
- ✓ Bank transfers on local rails — standard and same-day ACH on eligible US routes
- ✓ Schedule a transfer for later, or set one to repeat
- ✓ Invoices in supported currencies, paid straight into your virtual accounts
- ✓ Receipts, supplier balances and payment history kept together in your records
Coming soon · New advances are paused
Your pay, on your terms.
Qualify through your verified earnings, review your eligible advance and choose where to receive it — your amount and repayment terms are shown before you accept anything. Or switch your direct deposit to Monet through Pinwheel and qualify with two separate verified, settled employer deposits over $200.
Explore Earned Pay$5 advance fee through $100; 5% above $100. Membership is $8 per month, paid before the eligibility check. Payment does not guarantee approval or an advance. California residents only. Eligibility, verified earned wages and available funding determine any offer. No payroll switch or prior deposit is required for the regular earnings route. Fees, terms & disclosures
Who Monet is for
Built for a life beyond one border.
Freelancers & remote workers
Receive international income in dollars or euros with your own account details, then spend or send it on — without the conversion headaches.
Businesses & suppliers
Invoice customers, pay eligible overseas suppliers on supported rails, and keep payment records organized.
Families across borders
Keep your people close: send home on rails they already use, plan repeat payments, and see every transfer's status as it moves.
Payout rails · 50 destinations
Across borders, through familiar rails.
Send to bank accounts and supported wallets in 50 destinations. Choose the country, see the payout currency, and review the fees and delivery estimate before you confirm.
View all 50 destinationsHide destinationsCountry and payout rail
AustraliaAUD · Bank transfer
AustriaEUR · SEPA
BelgiumEUR · SEPA
BrazilBRL · Pix
ChinaCNY · Bank transfer
ColombiaCOP · Bre-B / bank transfer
CyprusEUR · SEPA
Czech RepublicEUR · SEPA
DenmarkEUR · SEPA
EstoniaEUR · SEPA
FinlandEUR · SEPA
FranceEUR · SEPA
GermanyEUR · SEPA
GreeceEUR · SEPA
Hong KongHKD · Bank transfer
HungaryEUR · SEPA
IcelandEUR · SEPA
IndiaINR · Bank transfer
IndonesiaIDR · Bank transfer
IrelandEUR · SEPA
ItalyEUR · SEPA
KenyaKES · Bank / mobile money
LatviaEUR · SEPA
LiechtensteinEUR · SEPA
LithuaniaEUR · SEPA
LuxembourgEUR · SEPA
MaltaEUR · SEPA
MexicoMXN · SPEI
NetherlandsEUR · SEPA
NigeriaNGN · Bank / mobile money
NorwayEUR · SEPA
PhilippinesPHP · Bank / e-wallet
PolandEUR · SEPA
PortugalEUR · SEPA
RomaniaEUR · SEPA
SenegalXOF · Bank / mobile money
SingaporeSGD · Bank transfer
SlovakiaEUR · SEPA
SloveniaEUR · SEPA
South AfricaZAR · Bank transfer
SpainEUR · SEPA
SwedenEUR · SEPA
SwitzerlandEUR · SEPA
TanzaniaTZS · Bank / mobile money
ThailandTHB · Bank transfer
UgandaUGX · Bank / mobile money
United Arab EmiratesAED · Bank transfer
United KingdomGBP · Faster Payments
United StatesUSD · ACH (standard / same-day)
VietnamVND · Bank transfer
These are payout destinations, not a list of countries eligible to open a Monet account. EUR payouts use SEPA, including in listed countries whose domestic currency is not EUR. Available bank and wallet options appear in your quote. Available routes and speeds depend on your verified profile, recipient details, bank cutoffs and provider checks.
Security
Your money, looked after.
Biometric sign-in, a live view of every move your money makes, and account and payment services delivered through established, regulated infrastructure partners — so you always know where things stand.
- ✓ Payment methods and account availability are subject to identity verification and provider approval
- ✓ Every route shows its terms and instructions before you deposit or send
- ✓ Monet is a financial technology company, not a bank — digital assets are not bank deposits and are not FDIC insured
Pricing
Simple pricing, in the open.
One verification opens your accounts. After that, you pay for what you move — and stablecoin transfers carry no fee.
$25
Identification
Verify your identity and get two virtual accounts included: a US account (ACH) and a SEPA account (EUR).
Additional virtual accounts$5 each
Deposits1%
ACH transfers1%
Same-day ACH1.5%
Apple Pay on-ramp (Coinbase)About 2%
Apple Pay on-ramp (Stripe)About 4%
Stablecoin transfersNo fee
Apple Pay on-ramp fees are estimates. The provider's checkout shows the final fees, exchange rate and total before you confirm.
Good questions
A little clarity goes a long way.
Can I get a US account without an SSN?
Eligible non-US residents can apply for US dollar virtual account details without a US Social Security number. Identity verification, supported local identification and provider approval are required. US residents are generally required to provide an SSN. Availability depends on your country and account type.
Can I receive euros through SEPA?
Eligible customers can access EUR virtual account details for supported SEPA transfers. Use the exact account details and deposit instructions shown in Monet. Account access, accepted senders and settlement depend on the provider and your verification.
Is Monet for personal or business use?
Both. Individuals can receive international payments and manage their money. Businesses can invoice customers, pay overseas suppliers, and keep receipts and payment records together. Business payment services require the appropriate business verification.
How fast are ACH transfers?
Standard and same-day ACH are available on eligible routes. Timing depends on the sending bank, provider, business-day cutoffs and compliance checks. A received bank deposit is not necessarily a settled or spendable balance. Review the route and delivery estimate before confirming.
Do I get all six account routes automatically?
No. Monet supports account routes across USD, EUR, GBP, BRL, MXN and COP. The accounts available to you depend on residence, verification, provider approval and current route availability.
Can I move money to a debit card?
Yes, eligible customers can request push-to-card payouts through Transak, with the payout amount and fees shown before confirmation. Digital asset conversion may apply under the route terms. Card eligibility, currencies and delivery times vary by location, verification, card issuer and provider availability.
Is Monet a bank?
Monet is a financial technology company, not a bank. Account and payment services are delivered through third-party providers. Supported bank deposits may convert into stablecoins under the route terms. Digital assets are not bank deposits and are not FDIC insured.
Move money on your terms.
Download Monet to receive payments, send money on supported routes, and see your activity in one place.