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Trusted global remittance: the fast, low-cost way to send money

Send money to family, friends or a landlord abroad from your phone. Moreta Pay sends it straight to their bank account in their own currency, for one 1.5% fee, with no branch to visit and nothing for them to install.

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Sending money in blue line art: an arrow arcs from a phone showing the send icon to a bank across a city square, with a tick above it

How international money transfers work with Moreta Pay

Whether you're supporting family, paying rent or sending money to a friend, the process is the same.

Send money across borders quickly & securely

Many remittance services make your recipient collect the money at a store or branch. Moreta Pay sends it straight to their own bank account, so there is nothing to pick up.

  • Registered with FinCEN

    Moreta Global Inc. is registered with FinCEN as a money services business.

  • Held with partner banks

    Your money is held with licensed partner banks.

  • Identity-checked and monitored

    Every account is identity-checked, and transactions are monitored around the clock.

  • Real-time alerts

    You get real-time alerts on your account.

What makes our remittance service different

You do everything from your phone, with no branch to visit, and you have two ways to send.

Scan their QR code

Banks in Thailand, Vietnam, the Philippines and other countries give account holders a personal QR code for their account.

  1. Ask your recipient for the QR code in their banking app
  2. Scan it in Moreta Pay, as you would at a counter
  3. Check the amount and the fee, then slide to send

Send a bank transfer

For a recipient without a QR code, or when you already have their account details.

  1. Enter your recipient's bank and account number
  2. Check the amount and the fee, then slide to send
  3. The money lands in their account, often within seconds

Benefits of sending money overseas with Moreta Pay

  • One 1.5% fee

    No monthly plan and no hidden costs. The review screen shows the fee, the exchange rate and the amount that arrives, in your own currency, before you confirm.

  • You send yours, they get theirs

    You send in your currency and your recipient receives theirs. The conversion happens when you send, at the live exchange rate at that moment.

  • Family or landlord, the same

    It works the same whether you're a balikbayan supporting family in the Philippines or an expat paying rent in baht to a landlord in Chiang Mai.

  • All from your phone

    No branch to visit, and nothing for your recipient to install.

Where it works ยท 14 countries

How it works

Choose who gets it, what they receive and how much. The review screen shows the fee and the amount that arrives before anything moves.

  1. Send screen with a 226.78 USD balance, a field to search by name, bank or wallet, recent recipients on Bank of America, SEPA and Faster Payments, and an Add account button
    01

    Choose a recipient

    Pick someone you have paid before, or add a bank account or wallet in seconds.

  2. Select currency screen listing recent choices of Vietnamese dong, euro and crypto above all currencies from US dollar to Colombian peso
    02

    Pick their currency

    Choose what your recipient gets: euros, baht, dong, USDC and many more besides.

  3. Send screen with 100 USD typed on the keypad from a Moreta account with a 226.78 USD balance, 87.80 EUR arriving at Time Jennings' SEPA account, 1.50 USD fees included and a Review button
    03

    Enter the amount

    Type what you want to send and see exactly what arrives, with the fee included.

  4. Review screen showing 100 USD from a Moreta account, 87.80 EUR to Bill Sanders, standard delivery in a few seconds, 1.50 USD fees included and a slide-to-send control
    04

    Slide to send

    Check the recipient, amount and fee, then slide to send. It arrives in seconds.

Frequently asked questions.

What people ask before using Moreta for sending money.

Showing 8 of 8 questions

Payment methods

Every way to top up, with live fees.

Bank transfers

  • Bank account1-3 business daysUSD1 USD feeFree over 250 USD
  • SEPA transferUsually instantEUR1.50 USD feeFree over 225 EUR
  • Faster Payments transferUsually instantGBP1.50 USD feeFree over 200 GBP
  • Interac e-TransferInstantCAD1.5% + 1 USD fee
  • PayIDInstantAUD1.5% + 1 USD fee

Instant methods

  • Apple PayInstant2.5% fee
  • Google PayInstant2.5% fee
  • CardInstant2.5% fee
  • CryptoInstantFree

Money added with crypto can't be spent in Thailand, Cambodia, or China.

Your first deposit is on us. Availability depends on your country, the payment method and the app version.

Start sending money abroad in minutes

Family back home, rent abroad or a friend who needs a hand. Download Moreta Pay, add money from home and send it straight to their bank account.

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