Hold EUR, GBP, NGN, and CHF. Convert at real interbank rates. Send to 150+ countries from a single unified dashboard built for your business.
The backbone of European trade. Accepted across 20 eurozone countries.
Stable, widely trusted, and essential for UK business and study.
Send and receive naira instantly across Nigeria.
One of the world's most stable and sought-after currencies.
CAD · AUD · JPY · AED · SEK — more currencies launching shortly.
Convert between any supported currencies in real time at the live interbank rate. No delays, no waiting rooms.
Send money to 150+ countries directly from your wallet. Fast, low-cost, and fully trackable end to end.
Set a target rate and get notified the moment the market hits it. Convert at exactly the right time.
See a breakdown of spending per currency, per category, and per period at a single glance.
Your funds are held in segregated accounts under full regulatory oversight. Always protected, always available.
Fund any currency wallet instantly via bank transfer, card, or from your existing balance.
Monicard fetches the real interbank mid-market rate every 60 seconds the same rate banks use with each other.
Before you confirm, you see the exact rate, the 0.5% fee, and the precise amount you will receive. No surprises.
Once confirmed, the conversion settles in real time. Your new balance is available to spend or send immediately.
Every conversion is logged with the rate used, timestamp, and fee. Download your statement anytime.
Convert between any supported currencies in real time at the live interbank rate. No delays, no waiting rooms.
Send money to 150+ countries directly from your wallet. Fast, low-cost, and fully trackable end to end.
Set a target rate and get notified the moment the market hits it. Convert at exactly the right time.
See a breakdown of spending per currency, per category, and per period at a single glance.
Your funds are held in segregated accounts under full regulatory oversight. Always protected, always available.
Fund any currency wallet instantly via bank transfer, card, or from your existing balance.
Get paid in GBP or CHF from international clients and hold your earnings in the strongest currency. Convert to EUR only when you need to.
Pay tuition and living expenses in GBP without getting hit by your bank's inflated exchange rate every single month.
Hold EUR ready for supplier payments. Convert at the right moment and cut your FX costs significantly each month.
Load the right currency before you go. Spend in local currency without dynamic conversion fees at the point of sale.
Receive EUR, GBP or CHF from international clients and hold your earnings directly where they grow, avoiding forced conversion fees.
Lock in interbank exchange rates before your trip and spend like a local anywhere without extra point-of-sale markups.
Manage multi-currency payroll, paying overseas vendor invoices, and automated currency conversions from one central corporate portal.
Your funds are held separately from operational funds at all times.
Fully licensed and regulated in every jurisdiction we operate in.
All data and transactions are encrypted at rest and in transit.
Multi-factor authentication on every login and sensitive action.
Automated fraud detection runs on every transaction, 24/7.
You are protected against all unauthorised transactions on your account.
"I get paid in GBP from UK clients. With Monicard I hold it in pounds and convert to EUR when the rate is in my favour. Saved me thousands already."
"Paying my tuition in GBP used to cost a fortune in bank fees. Monicard charges 0.5% flat. The difference over a year is very significant."
"I import goods and pay suppliers in CHF monthly. Having a franc wallet I can fund in advance and use when rates are good is a game changer."
"Managing multi-currency invoices for overseas contractors used to be a headache. Now it's done in two clicks at mid-market rates."
"Instant conversion at interbank rates means I never worry about dynamic markup when travelling between London and Paris."
"Sending money home to my parents in Ghana takes seconds. They receive it directly in their mobile wallet with zero delays."
"Setting rate alerts helped me capture the best exchange rate for my yearly tuition payment. Saved over €400 in one go."
"Complete transparency. I see the exact rate, the fee, and the final payout before confirming. No hidden charges ever."
"I get paid in GBP from UK clients. With Monicard I hold it in pounds and convert to EUR when the rate is in my favour. Saved me thousands already."
"Paying my tuition in GBP used to cost a fortune in bank fees. Monicard charges 0.5% flat. The difference over a year is very significant."
"I import goods and pay suppliers in CHF monthly. Having a franc wallet I can fund in advance and use when rates are good is a game changer."
"Managing multi-currency invoices for overseas contractors used to be a headache. Now it's done in two clicks at mid-market rates."
"Instant conversion at interbank rates means I never worry about dynamic markup when travelling between London and Paris."
"Sending money home to my parents in Ghana takes seconds. They receive it directly in their mobile wallet with zero delays."
"Setting rate alerts helped me capture the best exchange rate for my yearly tuition payment. Saved over €400 in one go."
"Complete transparency. I see the exact rate, the fee, and the final payout before confirming. No hidden charges ever."
Everything you need to know about MoniCard multi-currency wallets — exchange rates, fees, transfers, and security.
Rates are pulled from the live interbank market every 60 seconds, so you always see a current rate before confirming any conversion.
Monicard charges a flat 0.5% fee on all currency conversions. There are no additional spreads or hidden markups on top of the interbank rate.
Yes. You can hold balances in EUR, GBP, NGN, and CHF simultaneously. Each currency has its own balance and transaction history.
Most transfers to supported countries arrive within minutes. In some corridors transfers may take up to one business day depending on local banking infrastructure.
Your funds are held in segregated client accounts and are protected under the regulatory framework of the jurisdictions we operate in.
Open your Monicard in minutes. No paperwork. No bank queues. Just one powerful dashboard for all your currencies.
