3 plans. 1 purpose. Total Control.
From first steps to your full financial life, Moneda has a plan for how you live and grow.
Standard
No fees, no lock-ins, just smart money tools you fully own.
Self-Custody account- Multi-currency accounts
- Exchange currencies
Downloadable Monthly Balance Statements
- Free with Moneda users
- To and from bank accounts
- To third-party contacts (same network)
- To your external wallets (same network)
- From your external wallets (major blockchains)
- Transaction payment reference
- Automatic Transaction Confirmation to Recipient
- Zero network fees
- Virtual IBAN / ACH under your name
- Top up via SEPA & ACH
- SEPA Instant Transfers & ACH bank transfers
- AI financial assistant
- Scheduled and recurring payments
- Higher AI usage limits
- Double Premium's AI usage
- Connect to Moneda via MCP
- API access
- CLI for developers and agents
- Earnings Account
- Points for referrals and milestones
- Spending insights by category and merchant
- Receipt scanning and expense tracking
- Passkey sign-in
- Recovery emails
- Recovery contacts
- Backup passkey
- Create and manage contacts
- Register and manage your third-party wallets
- Priority Support
Premium
Get enhanced features, faster transfers, and lower fees.
- Self-Custody account
- Multi-currency accounts
- Exchange currencies
- Downloadable Monthly Balance Statements
- Free with Moneda users
- To and from bank accounts
- To third-party contacts (same network)
- To your external wallets (same network)
- From your external wallets (major blockchains)
- Transaction payment reference
- Automatic Transaction Confirmation to Recipient
- Zero network fees
- Virtual IBAN / ACH under your name
- Top up via SEPA & ACH
- SEPA Instant Transfers & ACH bank transfers
- AI financial assistant
- Scheduled and recurring payments
- Higher AI usage limits
- Double Premium's AI usage
- Connect to Moneda via MCP
- API access
- CLI for developers and agents
- Earnings Account
- Points for referrals and milestones
- Spending insights by category and merchant
- Receipt scanning and expense tracking
- Passkey sign-in
- Recovery emails
- Recovery contacts
- Backup passkey
- Create and manage contacts
- Register and manage your third-party wallets
- Priority Support
Ultra
Maximum savings power.
All the tools and zero compromise
- Self-Custody account
- Multi-currency accounts
- Exchange currencies
- Downloadable Monthly Balance Statements
- Free with Moneda users
- To and from bank accounts
- To third-party contacts (same network)
- To your external wallets (same network)
- From your external wallets (major blockchains)
- Transaction payment reference
- Automatic Transaction Confirmation to Recipient
- Zero network fees
- Virtual IBAN / ACH under your name
- Top up via SEPA & ACH
- SEPA Instant Transfers & ACH bank transfers
- AI financial assistant
- Scheduled and recurring payments
- Higher AI usage limits
- Double Premium's AI usage
- Connect to Moneda via MCP
- API access
- CLI for developers and agents
- Earnings Account
- Points for referrals and milestones
- Spending insights by category and merchant
- Receipt scanning and expense tracking
- Passkey sign-in
- Recovery emails
- Recovery contacts
- Backup passkey
- Create and manage contacts
- Register and manage your third-party wallets
- Priority Support
Standard
Premium
Ultra
Monthly Price (€)
Yearly Price (€)
Spending accounts
Self-Custody account
Multi-currency accounts
Exchange currencies
Downloadable Monthly Balance Statements
Transfers
Free with Moneda users
To and from bank accounts
To third-party contacts (same network)
To your external wallets (same network)
From your external wallets (major blockchains)
Transaction payment reference
Automatic Transaction Confirmation to Recipient
Zero network fees
Virtual Accounts
Virtual IBAN / ACH under your name
Top up via SEPA & ACH
SEPA Instant Transfers & ACH bank transfers
AI & automation
AI financial assistant
Scheduled and recurring payments
Higher AI usage limits
Double Premium's AI usage
Connect to Moneda via MCP
API access
CLI for developers and agents
Earn & rewards
Earnings Account
Points for referrals and milestones
Expenses & insights
Spending insights by category and merchant
Receipt scanning and expense tracking
Security & recovery
Passkey sign-in
Recovery emails
Recovery contacts
Backup passkey
More benefits
Create and manage contacts
Register and manage your third-party wallets
Priority Support
FAQs