Your global payments network in one app.
Add money by direct deposit or a linked account. Hold dollars, send money, and spend with your Monet Visa card.
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. 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, transfers, and your Monet Visa card.
Eligibility is verified at signup. Some destinations can receive money in their own currency. Some destinations may require additional verification.
How global transfers work.
Start your transfer.
Enter the amount to send in USD. Fund from your Monet balance, a linked account, or Apple Pay where available.
Choose your recipient.
Select who gets the money and which payout route to use: bank rails or local account details, depending on the destination.
Money is locally delivered.
Send dollars. The recipient gets local currency through supported rails like ACH, Faster Payments, SEPA, SPEI, Pix, or Bre-B.
Delivery speed depends on the funding source, recipient country, bank cutoffs, and compliance checks. Local payout rails determine final bank delivery.
Your own US account and routing number.
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.
Accounts are issued through our partner Bridge Building, Inc., with funds held at Lead Bank, Member FDIC. 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.
Money should move the way people already do.
- → No monthly fees
- → Receive money through direct deposit, ACH, and supported country on-ramps
- → Instant debit transfers from Cash App, PayPal, Venmo, and Revolut
- → Send dollars to banks in supported regions and spend instantly with your Monet Visa