Get paid. Hold dollars. Send anywhere.
Add money with Apple Pay or your paycheck. Keep it in dollars. Send it home in minutes — straight to a bank account or wallet your family already uses.
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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? ›Send money globally with Monet.
Looking for a money movement app built for dollars, bank rails, and cards? Add money in supported countries, send it where it needs to go, and spend from the same account.
- Low-cost transfers abroadSee available rails, timing, and fees before you confirm.
- Track global routesMove through ACH, Faster Payments, SPEI, Pix, or SEPA where supported.
- Real-time notificationsKnow when bank transfers start, settle, fail, or when your card is used.
- Download MonetOne app for deposits, digital dollars, and transfers.
Eligibility is verified at signup. Some destinations can receive money in their own currency. Some destinations may require additional verification.
US account numbers aren't issued in every country — that's a limit of the US banking system, not of your account. Here you add money by deposit or Apple Pay, hold dollars, and send to any supported country. You can still receive by IBAN. Local deposit rails are switching on country by country.
Your own account details in four currencies.
Once you're verified, Monet issues you a US virtual account. Give the details to an employer, a client, or anyone paying you — the money arrives in your account.
- 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.
Fund it with Apple Pay. Send it in dollars.
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.See the rate and the 1% fee before you confirm — both on the same screen.
- 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.
Fund with local currencies, send with global coverage.
Fund with Apple Pay, a card, a bank transfer or digital dollars, and 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 own wallet between the two legs — hold it there as long as you like.
- One balance, every corridorRupees, pesos, naira, shillings, rand, baht, dong — the same wallet holds dollars and 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 1% 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.
The dollars are yours. Not ours to hold.
- → Your balance sits in a wallet only you can move — Monet can’t spend it, lend it, or freeze it
- → Secured by Privy, a Stripe company, so the keys stay tied to your login — not to us
- → Digital dollars, fully backed one‑to‑one, that you can send or cash out at any hour
- → If Monet disappeared tomorrow, your money would still be there
Monet is a financial technology company, not a bank. Balances held in your wallet are not bank deposits and are not FDIC insured.