Spend anywhere, without fees

  • Always free account
  • Hold multiple currencies + crypto
  • Exchange at the real rate
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Save 5-8% on exchanges

Versus high street banks with our real exchange rates

Earn up to 2% cashback

Get up to 2% cryptocurrency cashback on all purchases

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Watch Monaco on CNBC’s Squawk Box
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Spending while travelling

Life without fees. Your card will always be treated as a local currency card and you will get perfect interbank exchange rates, wherever you are.

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Buying, earning & spending crypto

Purchase and convert crypto at the best rates, earn cryptocurrency every time you spend with Monaco.

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Sending and receiving money

Use Monaco app to send money without fees at perfect interbank rates. Your friends will receive it instantly and can access the funds immediately with their Monaco card.


Spend, save and earn with stunning Monaco Platinum cards

  • Up to 2% cryptocurrency cashback
  • Premium metal cards

Hold, spend and exchange multiple currencies, including Bitcoin and Ether.

  • Access and manage your funds
  • Top up with bank transfer, debit/credit card, Bitcoin and Ether
  • Convert and send money
  • Make purchases with the Monaco card
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A saving of $4.00 compared to the bank average

Get the real exchange rate, up to 8x cheaper than the banks.

  • Get the real exchange rate
  • Avoid all bank fees
  • Instant Exchange

Earn Monaco Tokens with every swipe of your Monaco card.

  • Up to 2% MCO cashback on all transactions
  • Exchange MCO for Bitcoin or Ethereum
  • Trade MCO on 17 exchanges

Up to 2% MCO Token cashback on all transactions

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Keep an eye on your money and your spending, live.

  • Instant spending notifications
  • Manage your weekly or monthly budget
  • Add notes to your purchases
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Instant Help

Whenever you need us, we're here to help: 24/7 in-app chat support - as easy as texting a friend.

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Advanced Security

Block and unblock your Monaco card with a single tap. Turn ATM or contactless on and off instantly.