The money account that pays you to share it.
Earn 3% compounding interest in real time6, get paid every time a friend you referred makes a purchase1, 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. Card services provided by Rain Cards, Inc., pursuant to a license from Visa U.S.A. Inc. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. Monet accounts are not bank accounts and are not FDIC insured. USDC is not a deposit and is not insured by the FDIC or any government agency. The value of USDC may fluctuate.
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.
- Earn 3% compounding interest on your balance — accruing in real time.6
AI-powered Spending Insights.
Monet reads your last 30 days, spots your subscriptions, watches every category trend month-over-month, and writes you a personalized read of where your money's actually going.
- Subscriptions detected automatically — no setup, no tagging.
- Month-over-month trends flag categories that jumped before they bite.
- Plain-English tips that name real merchants and real numbers — never generic advice.
AI-generated insights based only on your own spending. Not financial advice.
Security you can count on.
We're changing the way you feel about Monet.
Join the people already on Monet and start earning from the network you already have.
By blending AI-powered insights, referral-based rewards, and compounding interest, we're giving you the tools to take back your financial freedom.
FAQs
-
Monet is a modern money app built for people who want their money to work harder. Pay rent with cashback, send money by text, and earn rewards every time a friend you referred uses their card. Funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves. USDC is not a bank deposit and is not FDIC insured.
-
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.
-
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.
-
Monet earns interchange on every card transaction, 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.
-
When someone you refer joins Monet and uses their card, you earn 20% of the interchange on every transaction — forever, not just once. It adds up fast across multiple friends.
-
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.
-
Your funds are held in USDC, a digital dollar issued by Circle and backed 1:1 by cash and U.S. Treasury reserves held at regulated financial institutions. Monet accounts are not bank accounts. USDC is not a deposit and is not insured by the FDIC or any government agency. While USDC reserves are managed by BlackRock and independently audited, there is no government guarantee of the value of USDC. Your Monet Visa® Card is backed by Visa's Zero Liability Policy, and you can freeze your card instantly in the app.
-
We're in the final stages of development. Join the waitlist and you'll be among the first to get access at launch.