Get paid like a local. Send money home. Know exactly what arrives.
Receive salary or client payments with account details in your name. Hold dollars, send to 60+ destinations, and see the rate, fee, and recipient amount before you confirm.
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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. Monet accounts are not bank accounts and are not FDIC insured. Balances are held with our licensed financial partners, not at a bank, and are not insured by the FDIC or any government agency.
Already have an account? ›More of your money gets there.
You see the rate, every fee, and the exact recipient amount before you send. No mystery spread hidden inside the conversion and no surprise at the other end.
Send money with MonetIllustrative transfer. Your live quote shows the currency amount, rate, fees, and estimated arrival time.
Get paid here. Send money there.
Use the view that matches what you need today: send to a bank abroad, get local account details, or add money in the currency you already use.
Give them local details. Get paid into one balance.
Give the account details available to you to an employer, a client, or anyone paying you. Their payment lands in your Monet balance, ready to hold or send.
- Direct deposit and ACHPayroll, benefits, and standard bank transfers, including same‑day ACH where the sender supports it.
- Domestic wiresFor larger or time‑sensitive payments into the same account details.
- Euro accounts over SEPAA EUR account with SEPA and SEPA Instant, for getting paid from across Europe.
- Australian accounts in your own nameAn AUD account with BSB and account number in your name, so employers and clients in Australia pay you like a local.
- UAE dirham accountsAn AED account with local details in your name, for getting paid in the Emirates.
US and EUR accounts are issued through our partner Bridge Building, Inc., with funds held at Lead Bank, Member FDIC. Australian and UAE accounts are issued through our licensed local payment partners. Identity verification (KYC) is required before an account is issued.
Monet is a financial technology company, not a bank. Available rails and currencies depend on your verification status and region. Arrival time depends on the sending bank and its cut‑off times.
No top-up first. Pay with Apple Pay and send.
No balance to top up first. Choose Apple Pay as your source, confirm once, and the transfer goes out to your recipient’s bank account.
- 1Enter the amount in dollars.Supported Apple Pay currencies: USD, EUR, GBP, AUD, CAD, MXN, BRL, CHF, CZK, DKK, HKD, HUF, ILS, ISK, KWD, MYR, NOK, NZD, PLN, RON, RSD, SEK and BHD.
- 2Pay with Apple Pay.Use the card already in your wallet. Face ID confirms it — no card numbers to type.
- 3The transfer completes itself.Once the funds confirm, your send goes out automatically to the account you chose.
Apple Pay funding availability depends on your region and card issuer. Delivery speed depends on the destination country, bank cutoffs, and compliance checks.
They receive the currency they actually use.
Add money with a supported local method, then deliver local currency across Asia, Africa, LatAm and Europe — all through one dollar balance.
- Dollars to pesos in one tapFund with Apple Pay, a debit or credit card, a US bank transfer or digital dollars — and deliver Philippine pesos, Indian rupees, Kenyan shillings or Colombian pesos straight to their own account.
- Fund like a local, tooNamed accounts in your own name take US dollars over ACH and wire, euros over SEPA, Brazilian reais over Pix, Australian dollars by BSB, UAE dirhams, and Mexican pesos over SPEI — money in lands as digital dollars, ready to send.
- Every pair goes through dollarsYour money settles as digital dollars in your Monet balance between the two legs — hold it there as long as you like.
- One balance, every corridorRupees, pesos, naira, shillings, rand, baht, dong — the same Monet balance sends them all.
Availability varies by country and rail, and some load and payout corridors are still rolling out — the app shows what’s live for you. Exchange rate and total fee are shown before you confirm.
Set it up once. It sends itself.
Rent on the first. Money home every payday. Set the transfer up now, pick the date, and stop having to remember it.
- Set up now, send laterGet the recipient, the amount, and the route ready, then choose the date it goes out.
- Repeat it automaticallyMake it recurring to cover the payments that come round every week or month.
- You see the rate before you commitThe quote and the fee are on screen when you set it up, and again in the receipt when it sends.
- Every corridor Monet supportsSchedule a domestic transfer or a payment abroad on the same rails as an instant send.
Exchange rates move, so the amount delivered on the send date is quoted at that day’s rate. Scheduled payments need enough available balance on the day; if a payment can’t be funded or a rail is unavailable, we’ll tell you rather than send a partial transfer.
Answers from a real person when money matters.
If a payment needs attention, you should not have to argue with a bot. Email the Monet team and get a human response.
Customer support
Get paid. Pay your team. Know what cleared.
Receive through supported account details, pay people at home or abroad, and follow every payment from one business account.
What matters before you move money.
Will I see what my recipient gets?
Yes. Your live quote shows the rate, fees, expected recipient amount, and estimated delivery time before you confirm.
Does my recipient need Monet?
Not for eligible external transfers. You can send to a supported bank account or local wallet without asking the recipient to download another app.
How can I get paid?
Verified users can receive through the account details available for their region and eligibility. The app shows which currencies and local rails are live for you.
Where can I send money?
Monet supports more than 60 destinations across bank and wallet routes. Availability depends on the corridor, amount, recipient, verification, and partner coverage.
How do I contact support?
Email [email protected] to reach the Monet team directly.