Monet: Cross Border Transfer
Send money home in minutes
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Most people who send money home have had the same experience. You send $200, and somehow $170 arrives. There was no fee on the screen — the cost was folded into the exchange rate, where you couldn't see it.
Monet is a cross-border money account built around not doing that. When you set up a transfer you see the exchange rate and the fee before you confirm, and what your recipient gets is what you were shown. Money usually lands within 30 minutes.
Here is how the account actually works.
Putting money in. Fund a transfer with Apple Pay using the card already in your wallet, pay by debit or credit card, or move money in from a bank account. Where local pay-ins are supported, you can fund from a local method in your own currency. You can also deposit digital dollars directly.
Sending it. Monet delivers over the rails people use at home: ACH in the US, SEPA in Europe, SPEI in Mexico, Faster Payments in the UK, Pix in Brazil, Bre-B in Colombia, and payouts across Asia Pacific including India, the Philippines, Indonesia, Vietnam and Thailand. Your recipient gets local currency in their own account or mobile wallet. They do not need Monet, or any understanding of how it got there.
Getting paid. Once you are verified, Monet gives you a US account and routing number of your own to hand to an employer or a client. It receives direct deposit, ACH including same-day, and domestic wires. Other currencies too: a euro account on SEPA and SEPA Instant, an Australian dollar account, a UAE dirham account, and a Mexican peso account on SPEI.
Paying the people who work for you. Share a join code and your team joins your organization. Pay contractors one at a time or in a batch, in their local currency, and keep a record of who was paid what and when.
Payments that repeat. Rent on the first, money home every payday. Set the transfer up once, choose the date, and let it send itself; make it recurring if it comes round every cycle. You see the quote when you schedule it, and again in the receipt when it goes out.
Pay by text. Send to any phone number, even someone who has never heard of Monet — it waits to be claimed and returns to you if it is not.
BUILT ON TRUSTED, BATTLE-TESTED INFRASTRUCTURE
Every regulated banking and payment step runs through licensed specialists:
- Bridge verifies identity and issues your local-currency account details. Bridge is a Stripe company, acquired for $1.1 billion.
- Stripe powers Apple Pay funding, trusted by millions of businesses.
- Coinbase and Transak power card and Apple Pay on-ramps.
- Stables (stables.money) issues named accounts in Australian dollars and UAE dirhams, in your own name rather than a pooled one, and handles verification and local payouts across Asia Pacific, Australia and the UAE. Over $2 billion processed.
Bank-grade rails, not homegrown plumbing. US account details are issued through Bridge Building, Inc., funds held at Lead Bank, Member FDIC. Verification is required before an account is issued.
Monet is a financial technology company, not a bank. Monet is not a payroll tax filing service and does not calculate, withhold, or remit taxes. Which rails, currencies, and features are available to you depends on your verification status and where you are.
Ratings & Reviews
Setting up an account to fund from is one tap away again — the verification card is back on the home screen, where it belongs.
News from the countries you send to now sits on the home screen, and you can collapse it if you would rather not see it.
Notifications tell you what actually landed in your wallet, and which provider funded it.
Telegram payments have been retired. That tab is now your card.
The developer, Monet Holdings Group, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Contacts
- User Content
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Monet Holdings Group, Inc.
- Size
- 111 MB
- Category
- Finance
- Compatibility
Requires iOS 16.0 or later.
- iPhone
Requires iOS 16.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Monet Holdings Group, Inc.
