Familiar rails.
A wider reach.
ACH, SEPA, Faster Payments, Pix, SPEI and supported local bank and wallet routes. Explore all 50 payout destinations below. Timing depends on banks, cutoffs and checks.
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.
US accounts without an SSN for eligible non-US residents.
Identity verification and provider approval required.
A world of possibilities
Live here.
Go everywhere.
Life moves. Your money should too.
Receive payments from abroad, bring your currencies together, and understand where your money goes.
- Receive international freelance income
- Move money through supported local routes
- Ask AI about your spending
YOUR MONEY, CONNECTEDIllustrative workflow
A little more freedom.
From getting paid abroad to planning what comes next.
Receive in USDUS account details · ACH
ReceiveChoose your next moveReview the rate and fees
MoveMake sense of your moneyAI spending insights
UnderstandVirtual accounts
Make yourself
local.
Eight currencies. Familiar payment rails.
Explore account routes, then see what’s available for your verified profile.
USD · United States
Receive US dollar bank transfers using your assigned ACH and wire details.
Account routes: USD, EUR, GBP, BRL, MXN, COP, AUD and AED. Access varies by residence, verification, provider approval and route availability. All eight accounts are not guaranteed for every customer.
A wider welcome
A US account.
No US SSN?
Eligible non-US residents can apply with supported local identification. Receive dollars through US account details and euros through eligible SEPA accounts.
US residents generally need an SSN. Mexican identification is supported where accepted by the provider. Identity, address and other verification requirements still apply.
See how eligibility worksFrom here to there
Money moves.
You stay in control.
From a customer’s bank transfer to your next supplier payment. See the route, rate and fees before you confirm.
Familiar rails.
A balance that
can move with you.
Swap supported on-chain assets and stablecoins. Review the quoted output, network costs and route before making your move.
Your work.
Their currency.
Create invoices in supported currencies and share the right virtual account details for bank payment. Keep customer payments connected to your work.
Record keeping
A clear record.
For every next step.
Keep receipts, supplier balances, credits and invoice history together. Follow outstanding amounts, save supporting references, and see how a record changed.
Open your recordsONE ORGANIZED WORKSPACEWorkflow illustration
Customer receiptsSave & review
Supplier balances & creditsTrack the detail
Import follow-upsKeep context
Revision historySee what changed
Your saved records provide context. They do not independently confirm bank settlement.
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.
ACH, your way.
Standard and same-day ACH on eligible US routes. Choose the available speed before you confirm.
Across Europe.
Send euros through SEPA to 29 listed European destinations, including countries outside the euro area.
Faster Payments.
Pay into UK bank accounts in pounds through supported Faster Payments routes.
Closer to home.
Pix in Brazil, SPEI in Mexico, and Bre-B or bank transfers in Colombia on eligible routes.
Local bank payouts.
Reach Australia, China, Hong Kong, India, Indonesia, Singapore, Thailand, Vietnam and the UAE in the listed currencies.
Banks and wallets.
Bank and supported mobile-money routes across six African markets, plus bank and e-wallet payouts in the Philippines.
Available routes and speeds depend on your verified profile, recipient details, bank cutoffs and provider checks.
Explore all 50 destinations
- 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
No markets match your search. Try another country or currency, or clear the filters.
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.
AI insights / A different perspective
Money.
Making
sense.
Ask about your spending, the people you’re paying and your business money movement. Turn the details into a conversation you can actually use.
Insights use available Monet records. Coverage and freshness are shown; pending payments stay distinct from completed ones.
MONET / INSIGHTSExample conversation
Who am I paying this month?
Start with the people behind the payments. See named recipients, currencies and payment status together—so pending doesn’t get mistaken for paid.
Illustration of supported questions, not a live analysis of your account.
Monet MCP / Your account, connected
Your Monet account.
In your own words.
Claude
ChatGPTControl your Monet account with Claude and ChatGPT. Ask to send a payment, swap tokens or check a transfer’s status—from the conversation you’re already having.
Connect your account with a private Monet MCP key. Review the amount, fees and outcome, then confirm before money moves.
Connect your accountYou ask. Monet makes it happen.
- 01 / SEND
“Prepare a $250 payment to Mexico. Show me what arrives in pesos.”
- 02 / SWAP
“Quote swapping 25 USDC into this token.”
- 03 / FOLLOW UP
“Check the status of that transfer.”
Example requests. Your connected account and live quote determine what’s available.
Connected to established
payment infrastructure
Bridge
Stables
Coinbase
TransakGood 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 eight accounts automatically?
No. Monet supports account routes across USD, EUR, GBP, BRL, MXN, COP, AUD and AED. The accounts available to you depend on residence, verification, provider approval and current route 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.
Personal. Business. Beyond borders.