The bank account that pays you to share it.
Earn every time a friend you referred swipes their card1, 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 Stripe Treasury and its partner banks, Member FDIC.
Already have an account? ›Your money shouldn't cost money.®
- → No monthly fees
- → No minimum balance requirement
- → No hidden transfer fees
- → Earn rewards on every friend's swipe
All the important Monet perks.
Everything you want out of a banking app — with rewards built in and no monthly fees.4
- Get paid up to 2 days early2 with direct deposit.
- Earn rewards on every swipe from friends you refer.1
- Earn 0.3% cashback on every payment you make — rent, transfers, or pay anyone.5
- Send money to anyone by text — no app needed on their end.
Security you can count on.
Monet sends you an instant push notification every time your debit card is used. Turn on daily summaries so you always know exactly what's happening with your money.
We support two-factor authentication, biometric login, and fingerprint authentication to keep your account secure.
Your Monet Visa® Debit Card is backed by Visa's Zero Liability Policy.10 You're covered if your card is lost, stolen, or fraudulently used.
We're changing the way you feel about Monet.
Join the people already on Monet and start earning from the network you already have.
"
I referred four friends and now I earn a little something every time they buy coffee or groceries. It just runs in the background. I don't even think about it.
Jordan M. — Member since 2025
FAQs
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Monet is a banking app built for people who want their money to work harder. Pay rent with cashback, get paid early, send money by text, and earn rewards every time a friend you referred uses their card.
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We believe banking should pay you back. Monet is built to put money back in your pocket — through cashback, early pay, referral rewards, and zero monthly fees.
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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 debit card swipe, plus a small fee on ACH rent payments and text-based transfers. We share a portion of that revenue back with you as cashback and referral rewards. No monthly fees, ever.
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When someone you refer joins Monet and uses their debit 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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Yes. Your deposits are held at FDIC-insured banks through Stripe Treasury, and insured up to $250,000 per depositor. Your Monet Visa® Debit Card comes with zero liability protection 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.