---
title: "Moneco: Money Transfer App in Africa"
description: "Open EUR (Irish IBAN), USD + USDC accounts, send instant SEPA or ACH in 1–2 days, top up via Wave/Orange/MTN, pay with virtual Visa."
canonical_url: "https://liners.com/moneco"
markdown_url: "https://liners.com/moneco.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/moneco/screenshot.webp?v=1774383224789"
published_at: "2026-03-25T14:07:20.554Z"
updated_at: "2026-10-06T19:01:02.007Z"
---

# Moneco: Money Transfer App in Africa

Open EUR (Irish IBAN), USD + USDC accounts, send instant SEPA or ACH in 1–2 days, top up via Wave/Orange/MTN, pay with virtual Visa.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Moneco](/moneco)

## Summary

International accounts, transfers, and card payments for Africans

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.moneco.app/ |
| Tagline | International accounts, transfers, and card payments for Africans |
| Primary country | Benin |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Remittances](/tags/remittances): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Benin](/countries/benin): Market
- [Cameroon](/countries/cameroon): Market
- [Congo](/countries/congo): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Madagascar](/countries/madagascar): Market
- [Morocco](/countries/morocco): Market
- [Senegal](/countries/senegal): Market
- [Togo](/countries/togo): Market
- [Tunisia](/countries/tunisia): Market

## Related pages

- [Alternatives](/moneco/alternatives)
- [Reviews](/moneco/reviews)
- [Transparency](/moneco/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/moneco)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)