Fair questions,
straight answers.

Businesses that operate across borders: importers, exporters, agencies and platforms that invoice, get paid or pay suppliers in more than one currency. We also work with “complex” businesses that traditional banks de-risk. See who we are.

The application takes about 15 minutes online. We look up your company in the official business registry, you confirm the details, and directors and beneficial owners verify their ID from their own phones, on their own time. Your application does not wait for everyone to be in the room.

Your registered business details (we prefill from the registry), a description of what your business does and where it operates, and ID for directors and beneficial owners. No branch visits, no certified copies, no paper.

Yes. We assess applications against our own regulatory and risk criteria. High-volume, multi-jurisdiction, or in a sector banks avoid? Talk to us before applying. We’ll tell you whether your sector is in scope.

EUR, USD, GBP, AUD and AED at launch, all inside one account with a dedicated wallet per currency and full transaction history in each.

Each wallet comes with local receiving details in your business’s name. Customers pay you the way they pay any local business.

Yes. Your account details carry your business’s name in every currency. Customers see you on the transfer, matching payments to invoices is quick, and your money is always traceable to you.

The platform is built with an entity switcher for multi-entity groups. Multi-entity structures are supported on the Scale plan. Talk to us about your group structure.

One disclosed spread applied to the mid-market rate, stepping down with volume. Every quote shows the mid-market rate and our spread separately, before you accept.

Yes. A locked quote holds for a countdown window and settles at the quoted rate. Executed conversions are recorded with the mid-market rate and spread at the moment of execution.

Domestic payments over local rails, and international payments in the currencies you hold. Fees are per payment and disclosed before you send. See pricing.

Yes. Conversions go through the same maker-checker workflow as payments. The person who books a conversion does not have to be the person who approves it, and thresholds apply by amount.

Client funds are held with regulated partner institutions, separate from Moneta’s own funds, in accounts and IBANs issued in your business’s name. Settlement runs through regulated partner institutions. The full picture is on the security page.

Yes. Every action is logged: who created it, who approved it, when. Statements and full transaction exports are free on every plan. FX executions are recorded with rate and spread.

Account opening is free, and there’s a monthly account fee from €49. Full transaction pricing is confirmed at account opening. The full fee schedule is on the pricing page.

No. You pay the monthly account fee and per-transaction charges. A quiet month costs you the account fee and nothing else.

Yes. Payment fees and the FX spread step down with volume on the Growth plan, and Scale pricing is negotiated directly against your flows.

Nothing is charged until your account is approved and open.