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
Always Free
No fees, no lock-ins, just smart money tools you fully own.
Accounts
Self-Custody Passkey Authentication- EUR & USD Accounts (i)
Exchange EUR <> USD- Downloadable Monthly Balance Statements
Contacts
- Create and Manage Contacts
- Manage third-party wallets
Transfers
- Zero Transaction Fees (€)
- Transfers to Moneda users
- Transfers to external wallets (major blockchains)
- Automatic Transaction Confirmation to Recipient
- Payment References
Banking
- Named Virtual IBAN
- Send Instant SEPA Transfers to other accounts
Most Popular
Premium
49.99€/year (4.99€/month)
59.99€/year (5.99€/month)
Get enhanced features, faster transfers, and lower fees.
Accounts
- Self-Custody Passkey Authentication
- EUR & USD Accounts (i)
- Exchange EUR <> USD
- Downloadable Monthly Balance Statements
Contacts
- Create and Manage Contacts
- Manage third-party wallets
Transfers
- Zero Transaction Fees (€)
- Transfers to Moneda users
- Transfers to external wallets (major blockchains)
- Automatic Transaction Confirmation to Recipient
- Payment References
Banking
- Named Virtual IBAN
- Send Instant SEPA Transfers to other accounts
Ultra
89.99€/year (8.99€/month)
99.99€/year (9.99€/month)
Maximum savings power.
All the tools and zero compromise
Accounts
- Self-Custody Passkey Authentication
- EUR & USD Accounts (i)
- Exchange EUR <> USD
- Downloadable Monthly Balance Statements
Contacts
- Create and Manage Contacts
- Manage third-party wallets
Transfers
- Zero Transaction Fees (€)
- Transfers to Moneda users
- Transfers to external wallets (major blockchains)
- Automatic Transaction Confirmation to Recipient
- Payment References
Banking
- Named Virtual IBAN
- Send Instant SEPA Transfers to other accounts
Standard
Premium
Ultra
Monthly Price (€)
Yearly Price (€)
Accounts
Self-Custody Passkey Authentication
EUR & USD Accounts (i)
Exchange EUR <> USD
Downloadable Monthly Balance Statements
Contacts
Transfers to Moneda users
Transfers to external wallets (major blockchains)
Automatic Transaction Confirmation to Recipient
Payment References
Transaction Fees (€)
Banking
Named Virtual IBAN
Send Instant SEPA Transfers to other accounts
FAQs
Are the returns guaranteed?
What is an APY?
What APY can I expect?
How often will I receive my earnings?
What happens if a borrower defaults?
What happens if the liquidated amount is below the amount lent? Who pays the difference?