# Plans & Pricing: Standard, Premium and Ultra | Moneda > Compare Moneda’s Standard (free), Premium, and Ultra plans. Self-custody stablecoin accounts with yield, SEPA/ACH transfers, and currency exchange. Source: https://moneda.com/plans --- # 3 plans. 1 purpose. Total Control. From first steps to your full financial life, Moneda has a plan for how you live and grow. Monthly Annual 16% Off Standard Premium Ultra ## Standard Always Free No lock-ins, just smart money tools you fully own. Open Account 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 Most Popular ## Premium From 99.90€ / year From 9.99€ / month Get enhanced features, faster transfers, and lower fees. Open Account 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 ## Ultra From 199.90€ / year From 19.99€ / month Maximum savings power. All the tools and zero compromise Open Account 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 | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Monthly Price (€) | Free | From 9.99€ | From 19.99€ | | Yearly Price (€) | Free | From 99.90€ | From 199.90€ | ### Spending accounts | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Self-Custody account | Yes | Yes | Yes | | Multi-currency accounts | Yes | Yes | Yes | | Exchange currencies | Yes | Yes | Yes | | Downloadable Monthly Balance Statements | No | Yes | Yes | ### Transfers | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Free with Moneda users | Yes | Yes | Yes | | To and from bank accounts | No | Yes | Yes | | To third-party contacts (same network) | Yes | Yes | Yes | | To your external wallets (same network) | Yes | Yes | Yes | | From your external wallets (major blockchains) | Yes | Yes | Yes | | Transaction payment reference | Yes | Yes | Yes | | Automatic Transaction Confirmation to Recipient | Yes | Yes | Yes | | Zero network fees | Yes | Yes | Yes | ### Virtual Accounts | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Virtual IBAN / ACH under your name | No | Yes | Yes | | Top up via SEPA & ACH | No | Yes | Yes | | SEPA Instant Transfers & ACH bank transfers | No | Yes | Yes | ### AI & automation | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | AI financial assistant | Yes | Yes | Yes | | Scheduled and recurring payments | Yes | Yes | Yes | | Higher AI usage limits | No | Yes | Yes | | Double Premium's AI usage | No | No | Yes | | Connect to Moneda via MCP | No | Yes | Yes | | API access | No | Yes | Yes | | CLI for developers and agents | No | Yes | Yes | ### Earn & rewards | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Earnings Account | Yes | Yes | Yes | | Points for referrals and milestones | Yes | Yes | Yes | ### Expenses & insights | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Spending insights by category and merchant | Yes | Yes | Yes | | Receipt scanning and expense tracking | Yes | Yes | Yes | ### Security & recovery | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Passkey sign-in | Yes | Yes | Yes | | Recovery emails | Yes | Yes | Yes | | Recovery contacts | Yes | Yes | Yes | | Backup passkey | Yes | Yes | Yes | ### More benefits | Feature | Standard | Premium | Ultra | | --- | --- | --- | --- | | Create and manage contacts | Yes | Yes | Yes | | Register and manage your third-party wallets | Yes | Yes | Yes | | Priority Support | No | Yes | Yes | FAQs What is Moneda? Moneda is the flagship app of Neo Finance, the new standard for self-custodial money. The app lets you hold, pay, and gain yield on EUR- and USD-denominated stablecoins while you keep sole control of your private keys. Built for a border-free, AI-native economy, Moneda offers instant stablecoin payments, optional on-chain yield, and an AI assistant. What is the difference between a Neo Finance and a fintech app? A fintech app delivers financial tools digitally. Payments, money management, and more are often faster and cheaper than with legacy providers like traditional banks. Neo Finance is the next step: self-custodial, stablecoin-native, and AI-assisted. Instead of holding your money, these apps let you control the keys, move value globally on public blockchains, and (optionally) use on-chain yield tools (returns vary; capital at risk; not deposit-guaranteed). It’s a category description, not a regulated banking term. Where Moneda fits: Moneda is a Neo Finance app. You hold and pay in regulated stablecoins across the currencies Moneda supports, optional yield tools, and an AI assistant, all while you keep control of your keys. You can read more about Neo Finance at [https://moneda.com](https://moneda.com). Is Moneda a (neo)bank? No, Moneda is not a neobank. Neobanks are digital-first banks that operate under the same regulatory frameworks as traditional banks, meaning they act as custodians of your funds, often partnering with licensed banking institutions. In contrast, Moneda is a fintech app built on top of blockchain technology. Moneda does not rely on a central authority to manage or safeguard your money. Instead, it prioritises self-custody, allowing you to maintain full control of your assets at all times. This eliminates the need for intermediaries and reduces dependency on traditional banking systems. Moneda also differs in how it generates value for users. Neobanks typically offer standard financial products like checking accounts, debit cards, and loans. Moneda goes beyond this by integrating blockchain-based features, such as our optional earnings account and the AI advisor, designed to provide personalised financial guidance. These tools enable you to manage and grow your finances in a more independent and flexible way, setting Moneda apart from what neobanks offer. Bottom line: Moneda reduces reliance on legacy intermediaries while keeping you in control, but it is not a bank. Who is the team behind Moneda? Moneda is a company founded in 2025 in Berlin, Germany. Moneda is built by a team with a strong mix of crypto expertise and experience in traditional finance and technology. The founding team has worked together for over three years prior to starting this project. We are a team that delivers and adapts. We’ve contributed to major Web3 ecosystems including engineers from Bitcoin, Cosmos, Tendermint, the Interchain Foundation, NEAR, Chainsafe, Forte, Evmos, and Axie Infinity, giving us first-hand knowledge of the systems behind decentralised finance. Our experience also includes roles at companies such as IBM, Slack, Dreamship, Sentry (Codecov), and the neobank Nuri (formerly Bitwala). This combination of technical skill, product experience, and regulatory understanding allows us to build a secure, compliant, and globally scalable alternative to today’s banking systems. with a team made up of professionals from around the world. Together, we bring a diverse range of expertise to create a financial platform that prioritises independence and usability. What is the Moneda AI assistant and what can it do? Moneda includes an AI assistant that answers questions about your account and helps you get things done in plain language. It can check your balances and earnings, explain a transaction, summarize your spending, or walk you through a feature. It only ever acts on your own account, and anything that moves money still needs your explicit approval. The assistant can't send funds on its own. You can use it inside the app, and you can also connect Moneda to outside AI assistants like Claude or ChatGPT. See the Web, API & Developer Tools section for how those connections work. How does AI usage work and what are usage credits? AI features run on large language models, which cost money every time they're used, so your AI usage is metered. You get an allowance included, and if you need more you can buy extra usage credits. You can also set a usage limit to cap how much AI you use. Your usage and what's left of your allowance are shown in the app.