A global wallet that unlockslocal QR payments acrossAsia and Latin America.A global wallet that unlocks local QR paymentsacross Asia and Latin America.
Link a bank account, bank transfer or card. Your details are protected at every step.
9:41
Add money
Balance • 226.78
0100 USD
Chase Bank • 3453
100200500
Continue
123456789.0
Paying inUSD
Paying withChase Bank • 3453
InstantFew seconds
You’ll pay exactlyTotal with fees101 USD
Add 100 USD
02 / 04
Add money
Top up your balance instantly, so it is ready to spend the moment you land.
Look for this logo before scanning
Chiang Mai Tailors
9:41
ScanYour code
I need help scanning
9:41
Payment
Balance • 7,772.32 THB
06,0,0 THB
Review
123456789.0
03 / 04
Scan the QR code
Scan the merchant's QR code, or show your own where that's how locals pay.
Balance • 7,772.32 THB
600 THB
Chiang Mai Tailors
17.61 USD
Slide to pay
9:41
Receipt
Payment successful
October 24, 2024 at 7:37:23 PM
600.00 THB
Merchant name
Chiang Mai Tailors
Merchant ID
123123
Payment number
NETSHATC4982P29229426104619
Done
04 / 04
Review and confirm
Check the amount, FX rate and merchant name, then slide to pay. Done in seconds.
Onesmallfee.Nothing hidden.
See what you actually get to spend, next to every other option.Deposit an amount, pick where you are spending, and see what you can actually spend next to your card, an ATM or the airport counter.
Between 5.00 and 100,000.00
Depositing
Spending
You get to spend
With Moreta you get 9,789.92 THB for 300.00 USD, 245.49 THB more than your bank's card.
With Moreta you get9,789.92THB
Rates from Moreta’s live feed, updated recently. Other methods use typical published fees, which vary by bank, card and location.
Yourmoney,protected.
Moreta Global Inc. is registered with FinCEN as a money services business. Your funds sit with licensed partners, every account is identity-checked, and our team watches transactions around the clock.
Was this you?iPhone 16 · Bangkok, THThis wasn't me
Welcome back
Protected funds
Your funds are held securely with our partner banks, and your bank and card details are protected to the same standard.
Strict identity checks
Passport, selfie and watchlist checks by Persona before any money moves.
24/7 fraud monitoring
Our team watches every transaction. Anything unusual gets a human review.
Real-time alerts
Every payment, deposit and sign-in, on your phone instantly.
Unusual sign-in detection
New devices and locations are challenged. Not you? One tap locks the account.
Biometric security
Face ID or your fingerprint unlocks the app and confirms every payment.
Don’ttakeourword.Take theirs.
Real trips, real receipts. What travellers wrote on the App Store, Google Play and Trustpilot, and the reels they filmed the moment the QR code just worked.
Liam & Sarah
“
M
Used this app in Shenzhen and it was incredibly helpful. Signing up and adding funds was straightforward and I was able to make QR code payments for transactions including restaurants, shops, and transportation - highly recommend!
I've been using this in Thailand and Vietnam and been super impressed with how well it works. There are local alternatives for tourists, but this one is the easiest.
Used this app in Shenzhen and it was incredibly helpful. Signing up and adding funds was straightforward and I was able to make QR code payments for transactions including restaurants, shops, and transportation - highly recommend!
I've been using this in Thailand and Vietnam and been super impressed with how well it works. There are local alternatives for tourists, but this one is the easiest.
Moreta Pay save me when I went to Vietnam. First time in Vietnam and I can pay like a local. Also it is very convenient and easy to use. I really recommend anyone who is planning a trip to Vietnam to use this as it works perfectly fine and is so easy to set up.
I have successfully used Moreta Pay in Thailand and Vietnam without fail. it has become my go to payment method in SEA. funds are easily transferred from credit, bank accounts or even google and apple pay.
Moreta Pay save me when I went to Vietnam. First time in Vietnam and I can pay like a local. Also it is very convenient and easy to use. I really recommend anyone who is planning a trip to Vietnam to use this as it works perfectly fine and is so easy to set up.
I have successfully used Moreta Pay in Thailand and Vietnam without fail. it has become my go to payment method in SEA. funds are easily transferred from credit, bank accounts or even google and apple pay.
Have been using this in Vietnam the past 2.5 months and cannot recommend this enough to every foreigner I meet. Simple connect me bank account, load funds and spend via QR code.
Have been using this in Vietnam the past 2.5 months and cannot recommend this enough to every foreigner I meet. Simple connect me bank account, load funds and spend via QR code.
Liam & Sarah: The secret to paying like a local in Vietnam (opens Instagram in a new tab)
5 out of 5 stars
Used this app in Shenzhen and it was incredibly helpful. Signing up and adding funds was straightforward and I was able to make QR code payments for transactions including restaurants, shops, and transportation - highly recommend!
Mikeforty on App Store
Julius Grauls: Did I get a good deal for $50 at the biggest market? (opens Instagram in a new tab)
Josef Andrew Miklavc: The end of cash is here (opens Instagram in a new tab)
5 out of 5 stars
I've been using this in Thailand and Vietnam and been super impressed with how well it works. There are local alternatives for tourists, but this one is the easiest.
mullbarrow on App Store
Travis Leon Price: My biggest issue traveling China was not the language barrier…but the payment systems! (opens Instagram in a new tab)
Sam Tyler: You can finally pay like a local, even without a Thai bank account (opens Instagram in a new tab)
5 out of 5 stars
Moreta Pay save me when I went to Vietnam. First time in Vietnam and I can pay like a local. Also it is very convenient and easy to use. I really recommend anyone who is planning a trip to Vietnam to use this as it works perfectly fine and is so easy to set up.
Uchel R. on Google Play
Charlie: Foreigners can scan to pay like locals now (opens Instagram in a new tab)
Chris Wzg: Cash? Almost forgot what that is (opens Instagram in a new tab)
5 out of 5 stars
I have successfully used Moreta Pay in Thailand and Vietnam without fail. it has become my go to payment method in SEA. funds are easily transferred from credit, bank accounts or even google and apple pay.
Adelaide on Google Play
Nathan Kou: Pay like a local in Cambodia (opens Instagram in a new tab)
Floyd: You can finally pay like a local, even without a Philippines bank account (opens Instagram in a new tab)
Max: The cheapest and easiest way to buy things in Vietnam isn’t cash or card (opens Instagram in a new tab)
5 out of 5 stars
Have been using this in Vietnam the past 2.5 months and cannot recommend this enough to every foreigner I meet. Simple connect me bank account, load funds and spend via QR code.
JD on Trustpilot
Liam & Sarah: How much things cost in Vietnam (opens Instagram in a new tab)
Elise Dana: J’ai payé tellement de frais bancaires depuis mon arrivée en Asie que l’application Moreta Pay est incroyable ! (opens Instagram in a new tab)
Jack’s Travelling: Travel Brazil and unlock Pix QR codes (opens Instagram in a new tab)
Solo Girls Travel Guide: Download this app before you come to Vietnam (opens Instagram in a new tab)
Sam Kaufman: One thing nobody really warns gringos about before coming to Brazil: Brazil basically runs on PIX (opens Instagram in a new tab)
5 out of 5 stars
I was carrying cash all around Vietnam, now I feel like a local paying by QRcode is the way.
JayMoney on App Store
Chad: Before you get on that plane to Vietnam there’s one app you need to have downloaded and ready (opens TikTok in a new tab)
Travis Leon Price: We waited a long time for this (opens Instagram in a new tab)
Cisco: Tourism is booming in Brazil and nobody warns you about this one (opens Instagram in a new tab)
5 out of 5 stars
Game changer app. Saves queuing at ATM's and paying withdrawal fees. So convenient. I use it daily for 90% of my transactions in Hanoi
Dave on Google Play
Max: The cheapest and easiest way to pay in Vietnam isn’t cash or card, it’s QR codes (opens Instagram in a new tab)
Questions,answered.
Showing 6 of 14 questions
Moreta is a wallet for anyone spending abroad without a local bank account: travellers, digital nomads, expats and backpackers. Load it from your own bank, then pay by scanning the same QR codes locals use, in 14 countries across Asia and Latin America. No cash, no cards, no ATM queues.See how it works
Open Moreta, tap Scan and point your camera at the merchant's QR code. Check the amount, confirm with Face ID or your fingerprint, and the merchant sees the payment in their own app the moment it clears, exactly as if a local had paid.See how it works
Yes. The app needs mobile data or Wi-Fi at the moment you pay. A local SIM or an eSIM is all it takes.
Almost every merchant code on a supported rail works. If one does not, check that it is a payment code rather than a loyalty or app-download code, and that you are in a supported country. Message us in the app and we will look at the scan with you.
One fee of 1.5% on each payment, shown on screen before you confirm. There is no monthly plan and no markup hidden in the rate.See how it compares
The live rate at the moment you pay, shown in the app before you confirm, plus the 1.5% fee. Nothing else is added.Compare the rates
Bank transfers over a certain threshold are free, and a flat fee applies below it. Cards, Apple Pay and Google Pay carry a small percentage. Crypto deposits are free. The fee for each method is shown in the app and in .
Link a US bank through Plaid, or send a SEPA transfer in euros, a Faster Payments transfer in pounds, an Interac e-Transfer in Canadian dollars or a PayID transfer in Australian dollars. Cards, Apple Pay, Google Pay and USDC work too, though money added with crypto can't be spent in Thailand, Cambodia, or China.
Cards, Apple Pay, Google Pay and crypto land instantly. Most bank transfers arrive within minutes; a US bank transfer can take one to three business days.
Yes. From your wallet you can send to a bank account, to another Moreta user, or straight to a local wallet or QR rail such as PromptPay or Pix. What you do not spend stays in your wallet for the next trip.
Vietnam, Thailand, Cambodia, Philippines, Laos, Malaysia, South Korea, Mongolia, China, Brazil, Argentina, Peru, Bolivia, and Colombia, with more on the way. Each country runs on its own local QR rail, and the app picks the right one when you scan.Browse the countries
Scan your passport and take a selfie in the app. Persona checks both in a few minutes, and your account can move money as soon as it passes.Read about security
Moreta Global Inc. is registered with FinCEN as a money services business. Your funds sit with licensed partner banks, bank links go through Plaid so we never see your login, and our team watches transactions around the clock.Read about security
Install Moreta on a new phone and sign in. Your balance is in your wallet, not on the device. From the new phone you can lock the old one, or message support and we will do it for you. Support is available 24/7 by chat, email and WhatsApp.Read about security
USD
EUR
GBP
CAD
AUD
USD
Instant
