The money account that pays you to share it.
Get paid every time a friend you referred makes a purchase1, get paid 2 days early2, get $25 when your first deposit hits3—without fees.
To apply for a Monet account, you must complete identity verification through our secure KYC process.
Optional services and products may have fees or charges, such as expedited transfers and out-of-network ATM transactions. Learn more here.
Monet is a financial technology company, not a bank. Banking services provided by Lead Bank, Member FDIC. Card services provided by Rain Cards, Inc., pursuant to a license from Visa U.S.A. Inc. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. Monet accounts are not bank accounts and are not FDIC insured. USDC is not a deposit and is not insured by the FDIC or any government agency. The value of USDC may fluctuate.
Already have an account? ›Your money shouldn't cost money.®
- → No monthly fees
- → No minimum balance requirement
- → Easily connect to Cash App, Venmo, and PayPal
- → Earn rewards on every friend's purchase
All the important Monet perks.
Everything you want out of a banking app — with rewards built in and no monthly fees.4
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Get paid up to 2 days early2 with direct deposit.
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Earn rewards on every purchase from friends you refer.1
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No fees on rent, transfers, or pay anyone. Your money moves free.
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Pay anyone by text. Every link carries your referral — when they join, you earn.
Add to Apple Wallet in seconds.
Your Monet Visa card lives right in Apple Wallet. Tap to pay anywhere — no plastic needed.
AI-powered Spending Insights.
Monet reads your last 30 days, spots your subscriptions, watches every category trend month-over-month, and writes you a personalized read of where your money's actually going.
- Subscriptions detected automatically — no setup, no tagging.
- Month-over-month trends flag categories that jumped before they bite.
- Plain-English tips that name real merchants and real numbers — never generic advice.
- Talk to your own AI spending coach — ask it anything about your month and get a straight answer.
AI-generated insights based only on your own spending. Not financial advice.
Security you can count on.
Banking that finally feels like yours.
AI insights that know where your money goes. Rent for free. Rewards every time a friend makes a purchase. Direct deposit two days early. Send money by text. No fees, no minimums, no nonsense — just a smarter way to manage your money, built for the way you actually live.
Send money globally.
Local fiat rails in 30+ countries. Self-custody wallets in 30+ more. Pay rent, payroll, or family in their currency — Monet routes the payment.
Eligibility is verified at signup. Local rails settle in the destination currency; senders fund in USDC. Some destinations may require additional verification.
FAQs
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Monet is a modern money app built for people who want their money to work harder. Pay rent for free, pay anyone by text, and earn rewards every time a friend you referred makes a purchase. Every payment link carries your referral code — so anyone you pay can become a referral who earns you rewards. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. USDC is not a bank deposit and is not FDIC insured.
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We believe banking should pay you back. Monet is built to put money back in your pocket — through referral rewards, early pay, and zero fees on everything.
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Anyone 18+ with a valid US address and Social Security Number can apply. We verify your identity securely through our KYC process — no credit check required.
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Monet earns interchange on every card transaction. Sending money by text and paying rent are both free — we'd rather you grow the network. We share a portion of interchange revenue back with you as referral rewards. No monthly fees, ever.
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When someone you refer joins Monet and uses their card, you earn 20% of the interchange on every transaction — forever, not just once. It adds up fast across multiple friends.
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No monthly fees, no minimum balance fees. Certain optional features like expedited transfers may have a small fee. We'll always be upfront about it.
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Banking services provided by Lead Bank, Member FDIC. Your funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves held at regulated financial institutions. Monet accounts are not bank accounts. USDC is not a deposit and is not insured by the FDIC or any government agency. While USDC reserves are managed by BlackRock and independently audited, there is no government guarantee of the value of USDC. Your Monet Visa® Card is backed by Visa's Zero Liability Policy, and you can freeze your card instantly in the app.
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We're in the final stages of development. Join the waitlist and you'll be among the first to get access at launch.