What is Moneco and how does it work?

Moneco is a financial app for the diaspora that provides European (Irish IBAN) and US accounts, a USDC wallet, international Visa debit card, and instant transfers via SEPA, ACH, and Solana. You sign up via the app with your passport, open accounts in minutes, top up instantly, and make payments worldwide using Apple Pay or Google Pay with built-in security like encryption and fraud monitoring.

How much does Moneco cost?

Account opening, maintenance, minimum balance, account closure, RIB/IBAN issuance, monthly statements, and annual fee summaries are all free. Instant card top-ups are free up to €100, then 1% beyond; the Visa debit card is optional and requested after account opening.

What countries does Moneco operate in?

Moneco operates in France with accounts in the EU (Irish IBAN) and US, supports transfers within Europe and to over 12 French-speaking African nations, and serves the African diaspora in Europe.

How do I sign up for Moneco?

Download the Moneco app, create your account in 5 minutes using just your passport, and gain instant access to your accounts.

Does Moneco have a mobile app?

Yes, Moneco is available on iOS and Android. You can download Moneco on the App Store for iPhone, or get it on Google Play for Android.

Who is Moneco best suited for?

Moneco is best suited for the African diaspora in Europe, particularly those settling in France, needing international banking, remittances to Africa, and tools for migration like welcome packs and housing deals.

Moneco

🌍 Pan-African

A mobile financial app for Africans and the diaspora to open EUR and USD accounts, send SEPA/ACH transfers, top up via mobile money, and pay with a virtual Visa card.

Use it on:Web Android· 3.4 iOS· 4.5

Is Moneco right for you?

Best for

Africans in the diaspora
Frequent cross-border senders
Online card spenders
Mobile money users
Remote workers paid abroad

What it does well

USD and EUR accounts
SEPA and ACH transfers
Mobile money top ups
Virtual Visa card payments
Cross-border money sending

Things to check

Eligible signup countries
SEPA and ACH limits
Mobile money rail options
Card online acceptance
Fees and exchange rates

Moneco is a mobile financial app built for Africans and the African diaspora who need international accounts, cross-border transfers, and a payment card for everyday spending and business.

Key capabilities include:

Three accounts in one app: a Europe account (EUR with Irish IBAN), a USA account (USD), and a USDC wallet.
International transfers: instant SEPA bank transfers in Europe, ACH transfers to the USA in 1 to 2 days, and USDC transfers on Solana.
Virtual Visa card: pay online or in-store, including via Apple Pay and Google Pay.
Funding and remittances: instant top-ups from mobile money providers such as Wave, Orange, MTN, and Moov, plus instant transfers to African countries including Morocco, Tunisia, Benin, Côte d’Ivoire, Senegal, Cameroon, Madagascar, Congo, and Togo.

The app also includes real-time notifications, multi-factor authentication (MFA), data encryption, and payment tokenization, with customer support and the interface available in French, English, and Arabic.

Available on Android and iOS.

It targets entrepreneurs, freelancers, e-commerce sellers, content creators, travelers, import-export operators, and international students who need EUR/USD receiving details, fast transfers, and card payments.

Notable context: the company (founded in 2022) was selected for Y Combinator (Summer 2022), and the website references Moneco Canada (registration 1001104248) alongside partner entities.

As of Jun 22, 2026, Moneco is rated 4.5 on the App Store from 81 reviews and 3.4 on Google Play from 2.6K reviews with 500K+ installs.

Phone:+33 7 44 81 33 89

Social Links:

Categories:

Fintech

Features & Business Model: