Moneta is live.
Pricing
€0 to open. From €49 a month.
Account opening is free, and the monthly account fee is the only recurring charge. No minimum balances. Full transaction pricing is confirmed at account opening.
Standard
€49
per month · billed monthly
Multi-currency wallets
Local receiving details
Domestic & international payments
FX at a disclosed spread
Maker-checker approvals
Growth
€149
per month · billed monthly
Everything in Standard
Reduced payment fees & FX spread
Unlimited users, custom roles
Approval thresholds & workflows
Priority support
Scale
Custom
for high volumes & multi-entity groups
Everything in Growth
Negotiated FX & payment pricing
Multi-entity structure support
Dedicated account manager
Illustrative launch pricing, local taxes excluded. Final pricing confirmed at account opening.
The full fee schedule
Item
How it’s charged
Standard
Account opening
One-off, on approval
€0
Monthly account fee
Per entity, per month
From €49
Pricing FAQs
The questions procurement asks
Is the FX spread really the whole FX cost?
Yes. The spread is applied to the mid-market rate and shown in your quote before you accept. There is no additional margin, wire markup or “same-day” surcharge on conversions between your own wallets.
Are there minimum balances or inactivity fees?
No. You pay the monthly account fee and the per-transaction charges above. A quiet month costs you the account fee and nothing else.
Can we negotiate volume pricing?
Yes. Payment fees and the FX spread step down with volume on the Growth plan, and Scale pricing is negotiated directly against your flows.
What happens to fees during onboarding?
Nothing is charged until your account is approved and open.