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You send $100. They receive $100.

With Moni, your family in LATAM gets every dollar instantly - ready to use at stores, pay for services, or withdraw cash.
Get Started
  • 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

Earn

Help friends get started and earn rewards

Refer a friend — you both win

Backed by investors who believe in a better future

Moni is supported by leading investors who share our vision of making cross-border money movement faster, fairer, and more accessible for everyone.

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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.

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Your mom doesn't need to be a tech wizard

She just gets money she can spend

Money that arrives the way they need it

Send once. Your family chooses how to get it — keep it ready to spend, pick up cash anywhere across Latin America, or send it straight to their bank.

Instant Moni balance

It lands in seconds, ready to spend with the Moni Card, pay, or pass along — no cash-out needed.

In seconds Ready to spend

Local cash pickup

Cash in hand at thousands of pickup locations across Latin America — no bank, no account, no long trip.

Across Latin America Cash in hand

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

Before Moni. After Moni.

Then

I thought I sent $200…

Luis was always confused by the fees - his family never got the full amount.

Now

My mom gets the full $200, not $180

With Moni, there are no hidden fees. What you send is what they receive, instantly.

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Then

It took days to get the money

Aisha waited in line at the bank - sometimes for hours - just to access what was already hers

Now

I receive it and spend it the same day

No more waiting days for cash pickups or delayed bank transfers. Your money is ready when you are.

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Then

I had to take a bus just to fill out forms

Emmanuel traveled across town, with documents in hand, just to open a basic account.

Now

I no longer need to travel just to open an account. Moni starts where I am

No paperwork, no branches, no gatekeeping. Just download the app and you're in.

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To: Mom 2021-01-01
-$100 ~24,869MXN

Take control of your money wherever you are

Developed with compliance-first technology (you never lose custody)

Works with trusted local stores and services

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 Peru Chile Brazil Argentina Guatemala Ecuador Honduras Costa Rica El Salvador Nicaragua Bolivia Paraguay Uruguay Venezuela Belize Guyana Suriname
Get Started
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. Moni uses top-level security to protect your money and personal information. Every transaction is encrypted and transparent.
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.
No hidden fees. We believe in complete transparency - you'll always know exactly what you're paying upfront.
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.