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You send $100. They receive $100.

It lands instantly, ready to spend at stores, pay bills, or withdraw as cash — all from the same app.
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Need help? Chat on WhatsApp
  • No hidden feesNo hidden fees
  • No waiting linesNo waiting lines
  • Transfer in minutesTransfer in minutes

Send

Send dollars from the U.S. across Latin America in seconds — with no middlemen.

Low fees Delivery in seconds Always transparent

Spend

Pay with the Moni Card, in stores or online.

No cash-out needed No delays No opening or maintenance fees

Direct bank deposit

Send it straight into their bank account — the full amount, with nothing skimmed on the way.

Straight to the bank Full amount

How Moni works Send Money in 3 Steps

Step 1

Add Money

Pay in with the wallet already on your phone — Apple Pay or Google Pay — or a U.S. debit card.

Start with as little as $10. No branches. No paperwork.

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Step 2

Send or Request in Seconds

Pick who you're sending to - even if they don't use Moni yet.

They get dollars instantly in their phone.

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Step 3

Spend locally or withdraw cash

Once the money lands, they spend it instantly with their Moni Card.

Or withdraw cash at thousands of locations across Latin America.

Illustration for Spend locally or withdraw cash

Both sides of the same transfer.

I never had my brother's bank details. Turns out I didn't need them.

Luis M. Bronx, NY

My mom doesn't have an account in her name. I send her a link instead.

Marisol H. Houston, TX

It arrives in dollars, and I decide what it becomes.

Doña Carmen Santiago, DR

I passed part of it on to my sister. Nobody had to approve that.

Yeimy R. Santo Domingo, DR

My daughter receives it, and together we decide what it goes toward.

Rosa y Elena Puebla, MX

I compared the rate before downloading anything. More pesos for the same dollars.

Adrián C. Newark, NJ

Everything Moni does, in one place

Send money, spend with the Moni Card, and soon pay your bills back home — all from the same app.

Available now

Send money across Latin America

Live today in Mexico and the Dominican Republic — and rolling out across the region. Every dollar lands instantly, ready to spend with the Moni Card or withdraw as cash.

Live now
Mexico Dominican Republic
Coming soon
Colombia Guatemala Honduras Costa Rica El Salvador
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Moni Card

Paying has never been this easy

Add your Moni Card to Apple Pay or Google Pay and pay in stores or online, nothing to wait for.

Get my Moni Card
For Families

Pay the bills back home, from right here

Soon you'll cover your family's bills and services abroad — electricity, water, phone, school — without sending money through anyone else. You pay, and they're taken care of.

Have any questions?

We've got you.
Yes. Transfers move through regulated partners named in our Terms of Service, you see the exact rate and fee before you confirm, and we notify you the moment a transfer's status changes. If anything feels off, reach out to our support team. Chat with support on WhatsApp
Just your phone, a valid ID, and your recipient's details. Setup takes only a few minutes.
Transfers are typically completed within seconds to minutes, depending on the destination and amount.
Your money doesn't disappear. If a transfer fails (for example, your recipient's ID doesn't match or a pickup code expires) or it takes longer than expected, in the large majority of cases the funds are returned automatically to your Moni balance, and we notify you the moment the status changes. If it stays stuck, our support team follows up until it's resolved.
No hidden fees. Moni charges a fixed fee per transfer, currently $1.98, with no hidden FX spread, and you'll see the exact amount at the moment of your transaction.
Always. Moni shows you the exchange rate, any fee, and exactly how much your family receives before you confirm — no surprises.
No, you don't need a traditional bank account. Moni works with various payment methods and digital wallets.
Yes! You can pay at stores and online with the Moni card wherever Visa is accepted.
Your family and friends can pick up cash at thousands of locations across Latin America. They just need to bring a valid ID and the in-app code — no bank account needed.
Yes. You can send money directly to your family's bank account, and they receive the full amount.
Not yet, but it's coming soon. We're building a simple way to cover your family's bills and services abroad — right from the app.
No. Moni currently charges no opening fee and no maintenance fee.
Contact support