MON 3Your money
Now global
While traditional banks charge up to 6% and take days, MON 3 delivers in minutes for up to 1.8%
Partners and infrastructure
Our advantages
Why MON 3?
Fast
Your international transfer crosses borders in minutes
Cost Efficient
Save up to 75% compared to traditional banks. No hidden fees, you see everything before confirming
Safe and Reliable
AWS infrastructure, cutting-edge encryption and identity verification. Your money always protected
Send money to 0+ countries
The most efficient way to transfer money between countries
View all countries and currencies
How does it work?
Three steps. The first takes under five minutes.
Sign up
Create your account in minutes with secure verification.
New Transfer
Send anywhere
Send money
Choose amount and destination. The money crosses the border in minutes.
Transfer complete!
Your money reached its destination
Done!
Track in real-time and receive instant confirmation.
TRY IT NOW
How much lands on the other side?
Pick an amount and a destination to see, instantly, how much the recipient gets.
MON 3 fee (max 1.8%): − R$18.00
~ $185.66
Estimated amount · 1 BRL = 0.1891 USD · updated 2026-07-03
Real-time MON 3 quotation. The final amount appears in the app before you confirm.
From invoice to getting paid, in minutes.
You issue the invoice. The customer pays however they prefer — Pix, SEPA, ACH or SWIFT. You receive in your local currency, in minutes, with the amount guaranteed and fees up to 1.8%.
Pay any way, receive in your currency
Pix, SEPA, ACH or SWIFT. The payer chooses; you receive in BRL, USD or EUR.
No surprises in the amount
Quote guaranteed for 5 minutes. What the customer sees on the invoice is what lands in your account.
Money in your account in minutes
Automatic confirmation the moment payment lands. Real-time status: draft, sent, paid.
One link, any channel
Share on WhatsApp, email or DM. Opens straight in the app on the customer's phone.
Create my first invoice
Available on the app — download and create in under 2 minutes.
Due in 3 days
Amount guaranteed · 1.8% fee
Features
Send, receive, hold. In any currency.
One account. 200+ countries. The app handles the rest.
Money moving across 200+ countries.
Fully regulated partners · Bank-grade encryption · 24/7 monitoring
YOUR MONEY.YOUR WORLD.NO BORDERS.
Download the app and make your first international transfer in minutes.