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Hello, How Can We Help?

We’re growing fast and hiring carefully. If you’re curious, mission-driven, and ready to shape a new category in global finance, you’ll feel at home here.

Are there hidden fees?

No, Moneda does not have hidden fees. We are committed to full transparency and ensure that you won’t encounter unexpected costs when using the platform.

Here’s how we handle potential fees:

Fiat Top Ups: Converting from USD and EUR to the EU-compliant USDC and EURC do not incur in any conversion fee when depositing through Coinbase, which is why we chose them. Other top up alternatives might incur in a small percentage fee depending on the payment type. We display these fees transparently when topping up your account.
FX fees: Conversions from USD to EUR and viceversa incur in a small foreign exchange fee, which varies according to each subscription plan. The FX fee is reflected in the exchange rate.
Network Fees: Moneda subsidises network fees for our premium users and early adopters so that you don’t pay on every transaction.

Although network fees exist at the blockchain or system level, Moneda is adamant about not passing them on to our users. We cover these fees ourselves to ensure a seamless and transparent experience for all users.

Does Moneda charge fees for transfers?

Moneda subsidises the network fees for blockchain-related transactions like adding recovery contacts, investing and withdrawing from the Earnings account. Users of the free plan will need to pay network fees (~$0.02) when executing transfers to contacts and other third-party wallets. For premium users, Moneda covers all any network fees.

Does Moneda charge fees?

Moneda charges a small Service Fee on your investment to cover operational costs and platform improvements. Additionally, we charge a Foreign Exchange (FX) Fee for currency conversions, eg. when converting EUR (€) to and from USD ($). The fees are transparently displayed in our application and vary according to each subscription plan.

Are the Moneda Spending Accounts (EUR and USD) regulated?

Yes. Moneda Spending Accounts are powered by fully regulated stablecoins under the EU Markets in Crypto-Assets Regulation (MiCA).

For EUR accounts, we use EURC, a Euro-denominated stablecoin issued in compliance with MiCA requirements.
For USD accounts, we use USDC, a US dollar-denominated stablecoin, which is also recognized as an e-money token under MiCA when offered in the EU.

This means that the digital money in your Moneda account is backed 1:1 with fiat reserves, subject to strict transparency, audit, and consumer protection rules.

Moneda itself does not issue stablecoins. Instead, we integrate only with issuers that are licensed and supervised under MiCA to ensure regulatory compliance and user protection.