Personal and business accounts
Whether you're sending money to family, getting paid as a freelancer, or managing cross-border payroll — Monetty handles it from one platform.
International payments
Send money internationally — faster and cheaper. No surprises.
Move money across 120 countries with transparent exchange rates, low fees, and fast settlement in supported corridors—including Brazil, Nigeria, Europe, the USA, and similar routes. Delivery time is always shown before you confirm.
Transparent pricing
See the exact exchange rate, fee, and total cost before you confirm any transfer.
Fast in supported corridors
Settlement can be as quick as about a minute where our rails support it—often far faster than traditional bank wires.
Multi-currency account
Receive, convert, fund transfers, and spend in USD, EUR, GBP, BRL, and more—with clear available balances by currency.
KYC & AML protected
Global debit card
$12,480.50
Available balances by currency
USD
EUR
GBP
BRL
Send
International transfers with transparent FX and no hidden markups.
Receive
Get paid from clients and employers worldwide, then use your available balance for transfers or card spend.
Spend
Use your global debit card for travel, subscriptions, and everyday purchases.
Convert
Convert between currencies at competitive rates when the timing works for you.
No hidden FX markups
Traditional banks bury costs in inflated exchange rates. Monetty shows you the real rate, the fee, and the total cost before you confirm.
How it works
Send, receive, and spend internationally from one place
Under the hood, Monetty routes through corridor-focused liquidity and local partners so you get transparent pricing and faster delivery than many bank-led options—especially on routes into Africa, Latin America, the USA, and between regions others under-serve.
International transfers
Send money across borders with transparent exchange rates and upfront fees. In supported corridors, funds can arrive in about a minute; you always see the estimate before you send.
Multiple currencies, one account
See available balances in USD, EUR, GBP, BRL, and more. Convert when it suits you, fund outgoing transfers, and spend with your card—without hidden FX markups on what we show you at checkout.
Global debit card
Spend internationally with transparent currency conversion. Accepted worldwide for travel, subscriptions, and everyday purchases.
Optimized FX routing
We combine global and local payment rails so more of your money reaches the recipient, with fewer hops—and delivery times that beat many legacy bank routes on the same corridors.
Why Monetty
Built for the corridors others treat as an afterthought
Many apps optimise for US–EU and the biggest mainstream routes. Monetty is built for the flows that still cost too much and take too long: Europe ↔ Brazil, Europe ↔ Nigeria, Latin America ↔ Africa, USA ↔ Brazil, USA ↔ Nigeria, Latin America ↔ USA, and similar emerging-market corridors.
- Clear rates and fees before you confirm every transfer
- Faster delivery than typical bank wires on many supported routes
- Works with licensed partners where money settles locally
About Monetty
From the UK and Brazil, with broad international coverage
Monetty combines product and engineering from the UK with operations in Brazil and coverage across Latin America, Africa, Europe, and the USA. How we work with licensed partners and UK regulatory status is explained on our About page.
Leadership
Built by a team with deep fintech experience
Monetty was founded by Michael James, who has spent years building fintech, banking, and cross-border systems for US and global companies. The company is supported by regulatory advisors and licensed partners across key markets to ensure compliant and reliable operations.
Founder & CEO
Michael James
Michael leads Monetty after more than a decade building and operating fintech systems—payments infrastructure, digital banking, and compliance-heavy platforms. His background is in software engineering and computer science; he has shipped products at companies including BairesDev, Repay, Arivo, MyBambu, and Klever, spanning cross-border flows, neo-banking experiences, and regulated money movement. He founded Monetty to bring that depth to corridors where costs and delays are still too high, and to keep pricing and delivery expectations honest for customers.
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Director of Engineering
Marcus Gabriel
Marcus Gabriel has spent the past 20 years leading, designing, building, and scaling complex systems, including AI-driven solutions and financial platforms.
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VP of Operations & Non-Executive Director
Fernanda Garcia
Professional with 10+ years of experience in financial education, growth initiatives, marketing, and tourism
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Director of Marketing
James Beulah
A leader with 20+ years of experience in fintech and blockchain strategy
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VP of Sales & Non-Executive Director
Ruben Dario
Sales and engineering leader with over 10 years of experience driving neobanking initiatives across Argentina and Latin America.
Governance & partners
Compliance, advisory, and settlement support
Monetty is supported by independent UK regulatory advisers, including Fintech Compliance UK, as well as licensed financial and payment partners in the markets we serve. These relationships support compliance, settlement, and operational resilience. They are separate from Monetty’s operating team and do not imply regulatory approval of Monetty by third parties.
See what you pay before you send
Compare your international transfer costs
Traditional banks often hide fees inside inflated exchange rates. Use the calculator below to estimate how much you could save on your next cross-border transfer.
Fee savings calculator
Enter your transfer amount below to see an estimate of what you'd pay with a traditional bank versus Monetty.
Traditional bank cost
$68.00
Monetty cost
$15.00
Estimated savings
$53.00
This calculator uses illustrative assumptions. Actual fees and exchange rates vary by corridor, amount, and payment method. See full pricing at time of transfer.
Transfer time estimator
See estimated delivery times by corridor, payment method, and destination country before initiating your transfer.
Country pricing explorer
Browse fee ranges, supported currencies, and available payout methods for each of our supported countries.
Live rates coming soon
Real-time exchange rates and corridor-specific pricing will be integrated as we expand our live data infrastructure.
Customer reviews
Trusted by users sending money across borders
4.4 average rating across 100 verified reviews
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Google Play
it is a nice app, efficient and easy to navigate
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Google Play
it was very easy to download and very easy to setup. verification was very fast. 95/100 for me
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Google Play
This app is so useful and and runs very smoothly,the best part is that there are no ads which makes it easy to function well
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Google Play
Fast and easy to navigate and perform transactions
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Google Play
one of the best apps I've seen so far, highly recommendable
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Google Play
it was amazing
Global coverage
Send money to 120+ countries across Europe, Africa, Latin America, and the USA
Monetty operates across key emerging-market corridors, including routes between the USA, Africa, Latin America, and Europe. Browse supported countries to view available currencies, payout methods, and estimated delivery times.
Resources & guides
Learn how to move money smarter across borders
Practical guides on international transfers, exchange rates, hidden bank fees, and using multiple currencies in one Monetty account.
How multiple currencies in one account cut FX friction
Learn when to convert, when to send in the recipient's currency, and how to spot the hidden exchange-rate markups banks often add.
Read the guideThe real cost of sending money to family abroad
Banks can charge 5–12% on cross-border transfers through hidden FX markups and wire fees. Here's how to compare your options and keep more of what you send.
Read moreHow to keep your international transfers secure
Account protection, transaction monitoring, and identity verification — the security measures that protect your money when you send it across borders.
Learn moreSupport & onboarding
Get started with confidence
From account setup to your first international transfer, our support team and onboarding guides walk you through every step.
Open an account in minutes
Create your profile, verify your identity, and start sending money internationally. Most accounts are ready the same day.
Common questions answered
How long do transfers take? What are the fees? Is it safe? Find answers to the most frequently asked questions before you send.
How to get started
1
Check our FAQ
Transfer times, supported countries, fees, and security — answered in plain language.
2
Create your account
Sign up, complete identity verification, and your account is ready to use.
3
Send your first transfer
Enter the amount, choose the destination, review pricing, and send.
4
Get help anytime
Reach our support team through the support center, email, or in-app chat.
Need help?
Our support center brings together account setup guides, frequently asked questions, and direct contact options — everything you need in one place.
Stop overpaying for international transfers
See the real exchange rate. Know the exact fee. Send money internationally with Monetty — built for the corridors that matter to you.
Transparent pricing
Fast settlement
Multi-currency
Global debit card
