Pay like a local across
Southeast Asia via QR codes.
Pay like a local across
Southeast Asia via QR codes.
Connect your US, UK or EU bank account
& get 1% cash back with zero fees.
Connect your US, UK or EU bank account
& get 1% cash back with zero fees.
Local QR payments for
travelers.
expats.
nomads.
travelers.
travelers.
expats.
nomads.
travelers.
Connect your US, UK or EU bank account & get 1% cash back with zero fees.
Connect your US, UK or EU bank account & get 1% cash back with zero fees.
Pay like a local across Southeast Asia via QR codes.
Pay like a local across Southeast Asia via QR codes.
QR scan payments
Pay like a local by scanning QR codes with Moreta. No cash, no hassle—just seamless, local transactions wherever you go.
Travel budgeting
Track spending in real-time with Moreta. Set limits, categorize transactions, and stay on top of your finances.
1% cash back rewards
Earn 1% cash back on every purchase, credited instantly to your wallet with zero fees and no hidden charges.
Securely link bank
Sign up, connect your bank, and instantly add your local currency. Experience seamless transactions, wherever you are.
QR scan payments
Pay like a local by scanning QR codes with Moreta. No cash, no hassle—just seamless, local transactions wherever you go.
Travel budgeting
Track spending in real-time with Moreta. Set limits, categorize transactions, and stay on top of your finances.
1% cash back rewards
Earn 1% cash back on every purchase, credited instantly to your wallet with zero fees and no hidden charges.
Securely link bank
Sign up, connect your bank, and instantly add your local currency. Experience seamless transactions, wherever you are.
A world of QR codes at your fingertips
Built for international travelers, expats, and nomads
QR scan payments
Pay like a local by scanning QR codes with Moreta. No cash, no hassle—just seamless, local transactions wherever you go.
Travel budgeting
Track spending in real-time with Moreta. Set limits, categorize transactions, and stay on top of your finances.
1% cash back rewards
Earn 1% cash back on every purchase, credited instantly to your wallet with zero fees and no hidden charges.
Securely link bank
Sign up, connect your bank, and instantly add your local currency. Experience seamless transactions, wherever you are.
A world of QR codes at your fingertips
Built for international travelers, expats, and nomads
Meet Moreta.
Meet Moreta.
Moreta lets you scan QR codes like a local for easy, cashless payments.
Say goodbye 👋🏼 to the hassle of using cash & ATM's.
Moreta lets you scan QR codes like a local for easy, cashless payments.
1. Add Payment Method
Choose from secure deposit methods including bank connections, bank transfers, or cards. Your information is protected every step of the way.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Add Payment Method
Choose from secure deposit methods including bank connections, bank transfers, or cards. Your information is protected every step of the way.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Add Payment Method
Choose from secure deposit methods including bank connections, bank transfers, or cards. Your information is protected every step of the way.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
Make every dollar count
Make every dollar count
Make every dollar count
Moreta makes your dollars do more with 1% cash back and zero fees—see the proof!
Moreta makes your dollars do more with 1% cash back and zero fees—see the proof!
🇹🇭 THB
🇵🇭 PHP
🇱🇦 LAK
🇰🇭 KHR
Total after fees
1,000 USD conversion =
54,105.21 PHP
33,700.43 THB
Best value
Internationally accepted
Contactless payments
Exchange rate
33.365786
Platform fee
0 USD
Exchange rate markup
0 USD
Cashback • 1%
+ 10 USD
Total earned
+ 10 USD
💳 Credit Card
Total after fees
1,000 USD conversion =
32,031.16 THB
52,990.62 PHP
- 1,669.27 THB
Internationally accepted
Contactless payments
Exchange rate
33.365786
Merchant surcharge fee • 3%
30 USD
2 to 4%
Foreign exchange fee • 1%
10 USD
0.5 to 2.5%
Total cost
40 USD
💴 Cash Withdrawal
Total after fees
1,000 USD conversion =
54,105.21 PHP
31,821.45 THB
- 1,878.98 THB
Internationally accepted
Contactless payments
Exchange rate
33.365786
Local ATM fee (x4)
26.38 USD
Exchange rate markup • 2%
20 USD
0.5 to 2.5%
Total cost
46.38 USD
Assume four withdrawals for 1,000 USD
🇹🇭 THB
🇵🇭 PHP
🇱🇦 LAK
🇰🇭 KHR
Total after fees
1,000 USD conversion =
54,105.21 PHP
33,700.43 THB
Best value
Internationally accepted
Contactless payments
Platform fee
0 USD
Exchange rate
33.365786
Exchange rate markup
0 USD
Total earned
+ 10 USD
Cashback • 1%
+ 10 USD
💳 Credit Card
Total after fees
1,000 USD conversion =
32,031.16 THB
52,990.62 PHP
- 1,669.27 THB
Internationally accepted
Contactless payments
Merchant surcharge fee • 3%
30 USD
2 to 4%
Exchange rate
33.365786
Foreign exchange fee • 1%
10 USD
0.5 to 2.5%
Total cost
40 USD
💴 Cash Withdrawal
Total after fees
1,000 USD conversion =
54,105.21 PHP
31,821.45 THB
- 1,878.98 THB
Internationally accepted
Contactless payments
Local ATM fee (x4)
26.38 USD
Exchange rate
33.365786
Exchange rate markup • 2%
20 USD
0.5 to 2.5%
Total cost
46.38 USD
Assume four withdrawals for 1,000 USD
🇹🇭 THB
🇵🇭 PHP
🇱🇦 LAK
🇰🇭 KHR
Total after fees
1,000 USD conversion =
54,105.21 PHP
33,700.43 THB
Best value
Internationally accepted
Contactless payments
Exchange rate
33.365786
Platform fee
0 USD
Exchange rate markup
0 USD
Cashback • 1%
+ 10 USD
Total earned
+ 10 USD
💳 Credit Card
Total after fees
1,000 USD conversion =
32,031.16 THB
52,990.62 PHP
- 1,669.27 THB
Internationally accepted
Contactless payments
Exchange rate
33.365786
Merchant surcharge fee • 3%
30 USD
2 to 4%
Foreign exchange fee • 1%
10 USD
0.5 to 2.5%
Total cost
40 USD
💴 Cash Withdrawal
Total after fees
1,000 USD conversion =
54,105.21 PHP
31,821.45 THB
- 1,878.98 THB
Internationally accepted
Contactless payments
Exchange rate
33.365786
Local ATM fee (x4)
26.38 USD
Exchange rate markup • 2%
20 USD
0.5 to 2.5%
Total cost
46.38 USD
Assume four withdrawals for 1,000 USD
Secure travels ahead
Secure travels ahead
Secure travels ahead
Held at trusted banks and secured by encryption, live fraud monitoring, and instant alerts for worry-free journeys.
Held at trusted banks and secured by encryption, live fraud monitoring, and instant alerts for worry-free journeys.
Protected funds
Connected via Plaid, your funds are insured and stored in trusted banks, kept separate and secure.
Protected funds
Connected via Plaid, your funds are insured and stored in trusted banks, kept separate and secure.
Protected funds
Connected via Plaid, your funds are insured and stored in trusted banks, kept separate and secure.
Strict identity checks
Powered by machine learning, every account is verified with AiPrise to block bad actors.
Strict identity checks
Powered by machine learning, every account is verified with AiPrise to block bad actors.
Strict identity checks
Powered by machine learning, every account is verified with AiPrise to block bad actors.
24/7 fraud monitoring
Our security team monitors transactions 24/7, with human support always on hand.
24/7 fraud monitoring
Our security team monitors transactions 24/7, with human support always on hand.
24/7 fraud monitoring
Our security team monitors transactions 24/7, with human support always on hand.
Licensed to protect
FinCEN-registered and MSB-licensed under strict U.S. financial security standards.
Licensed to protect
FinCEN-registered and MSB-licensed under strict U.S. financial security standards.
Licensed to protect
FinCEN-registered and MSB-licensed under strict U.S. financial security standards.
Real-time alerts
We send instant updates on your account activity to help you spot anything suspicious right away.
Real-time alerts
We send instant updates on your account activity to help you spot anything suspicious right away.
Remote access detection
If we spot a login from an unusual location, we act fast to secure your account.
Remote access detection
If we spot a login from an unusual location, we act fast to secure your account.
Our community speaks
Our community speaks
Our community speaks
Hear from influencers and fellow travelers about their favorite Moreta features.
Hear from influencers and fellow travelers about their favorite Moreta features.
Hear from influencers and fellow travelers about their favorite Moreta features.
Frequently asked questions
Frequently asked questions
Frequently asked questions
How do I make payments with Moreta at merchant stores?
How does Moreta's cashback work?
What exchange rate does Moreta use?
Is Moreta really completely free?
What makes Moreta unique compared to international multi-currency card accounts?
Is Moreta secure for transactions?
What countries is Moreta available in?
How do I make payments with Moreta at merchant stores?
How does Moreta's cashback work?
What exchange rate does Moreta use?
Is Moreta really completely free?
What makes Moreta unique compared to international multi-currency card accounts?
Is Moreta secure for transactions?
What countries is Moreta available in?
How do I make payments with Moreta at merchant stores?
How does Moreta's cashback work?
What exchange rate does Moreta use?
Is Moreta really completely free?
What makes Moreta unique compared to international multi-currency card accounts?
Is Moreta secure for transactions?
What countries is Moreta available in?
Meet Moreta.
Meet Moreta.
Moreta lets you scan QR codes like a local for easy, cashless payments. Say goodbye 👋🏼 to the hassle of using cash & ATM's.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
1. Connect Your Bank
Securely link your bank account with Plaid, the trusted industry leader in financial connections.
2. Add Money
Transfer funds in your local currency via ACH directly from your preferred bank account.
3. Scan the QR Code
Use the Moreta app to scan the merchant’s standard QR code—compatible with the country’s local payment networks.
4. Review and Confirm
Double-check your payment details, including the amount, FX rate, and merchant name, before completing the transaction.
5. Payment Successful
Your wallet seamlessly converts to the local currency, ensuring the merchant gets paid instantly.
