We believe in complete transparency. Here are all of Moni's fees — nothing hidden, no small print surprises.
Account opening
No setup fees ever
Monthly maintenance
No hidden charges
Moni Virtual Card
Instant issue
Moni Physical Card
One-time fee
Moni Premium
Cancel anytime
Moni vs. traditional banks vs. other fintechs
| Feature | Moni ✦ | Bank | Others |
|---|---|---|---|
| Account opening | Free | €0–€50 | Free |
| Monthly fee | Free | €5–€15 | Free–€10 |
| SEPA transfer | Free | €0.30–€2 | Free |
| FX conversion | 0.5% | 2–4% | 0.5–1.5% |
| ATM (abroad) | €2.50 | €5+ | €1.75 |
| Card issuance | Free | €0–€20 | Free–€5 |