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.
Moneco Product Overview
Is Moneco Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Africans abroad
- Cross-border senders
What It Does Well
- EUR and USD accounts
- SEPA and ACH transfers
Things to Check
- Supported countries list
- Transfer fees and rates
About Moneco
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.
Moneco Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Sep 28, 2026, Moneco is rated 4.4 on the App Store from 100 reviews and 3.5 on Google Play from 3.1K reviews with 500K+ installs.
Recent Reviews for Moneco
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Moneco Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataMoneco has raised $1M across 2 recorded funding events. The latest was Seed in Jan 2023.
- Total Raised:
- $1M
- Latest Round:
- Seed
Moneco Investors & Funding Rounds
Moneco Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source data
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Latest Moneco News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataJobs at Moneco
| Title | Posted |
|---|---|
| Community Builder | Jun 10, 2026 |
Frequently Asked Questions About Moneco
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.
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.
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.
Download the Moneco app, create your account in 5 minutes using just your passport, and gain instant access to your accounts.
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.
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