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.
Hours in, payday out.
If people work for you, Monet handles the whole loop — from the shift they clock into, to the money landing in their account.
- Bring your team on with a join codeShare one code or invite people directly. They join from their own Monet app — no accounts for you to set up.
- They clock in and outA running timer with lunch and breaks, shifts saved as they go, and their own record of every hour worked.
- Review timesheets, then paySubmitted shifts land with you for approval. Approve the hours and pay from the same screen.
- Expenses in the same placeYour team submits expenses; you review and settle them alongside their hours.
- Schedule shifts aheadPut the rota up in advance so everyone knows when they're on before the week starts.
- See where the hours wentA projects and labor report showing what the work cost, by project.
- Pay a group in one goSend to everyone at once instead of one transfer at a time.
- Pay someone who isn't on MonetAdd an external contractor and pay straight to their bank account — they never have to download the app.
Monet is not a payroll tax filing service and does not calculate, withhold, or remit taxes. You remain responsible for classifying your workers correctly and for any tax and employment obligations that apply to you.
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.
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