France
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
Moneco
French-African money app. Euro IBAN + US rails + USDC. Not FGDR. Not a bank.
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6.6Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Moneco is not a bank. The money sits with French EMI / BaaS partner (Treezor-class stack historically — confirm live footer) — Moneco is not the bank.
If it fails?
Not FGDR. A French-looking IBAN on an EMI is safeguarded e-money, not a Crédit Mutuel deposit. USDC is not a bank deposit. Name the EMI on the statement footer before you treat it as salary.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Freemium / corridor-priced — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.6
/10 · Mixed
Moneco is a Paris fintech for Africans in Europe. Euro account, US rails, USDC, Visa, Orange/MTN top-up. That is not FGDR. BforBank and Monabanq are French banks. An EMI IBAN is safeguarded e-money. The live homepage is thin on the licence holder — Treezor-class BaaS is the historical stack; read the current footer before you send rent. Keep a bank IBAN. Use this as the corridor.
What it is
moneco.app. Directories file it as a neobank because the card is plastic. Plastic is not a charter. The Africa corridor is the product.
Best for: Diaspora users who want Africa corridors and already keep a French bank IBAN for salary.
Last checked 2026-08-30. Not advice.
What it does well
- +Corridor is the job
- +Visa + Apple Pay
- +Honest app copy does not claim to be Société Générale
- +USDC is labelled
What to watch
- −Not a bank
- −Not FGDR
- −Live EMI name is thinner than the hero
- −Three rails, three recovery stories
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- IBAN / SEPA
- Built for
- Personal · Travel
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Moneco lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not FGDR. A French-looking IBAN on an EMI is safeguarded e-money, not a Crédit Mutuel deposit. USDC is not a bank deposit. Name the EMI on the statement footer before you treat it as salary.
Who holds the money: French EMI / BaaS partner (Treezor-class stack historically — confirm live footer) — Moneco is not the bank
- ACPR EMI partner stack (confirm live)Fintech. Not a bank. Euro account via a French EMI / BaaS partner. USDC wallet is not FGDR · France
Fees
- Monthly
- Freemium / corridor-priced — confirm live
- FX markup
- Africa corridor + USDC spread is the product
- ATM
- Card schedule
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- EUR IBAN pitch
- US account pitch
- USDC wallet
- Mobile-money top-up
- Not FGDR
Score
- Safety25%
- 4.6
- Fees20%
- 6.8
- Features15%
- 7.6
- App15%
- 7.8
- Global15%
- 7.8
- Support10%
- 6.2
Change log
Full logLicence
Not FGDR — EMI / BaaS euro IBAN plus USDC
Paris diaspora app. Confirm the live EMI on the footer. Keep a bank IBAN for salary.
Available in
Straight answers
FAQ
01Is Moneco a bank?
Moneco is not a licensed deposit-taker in the classic sense. Money, if any, sits with French EMI / BaaS partner (Treezor-class stack historically — confirm live footer) — Moneco is not the bank.
02How is money protected?
Not FGDR. A French-looking IBAN on an EMI is safeguarded e-money, not a Crédit Mutuel deposit. USDC is not a bank deposit. Name the EMI on the statement footer before you treat it as salary.
03Where is Moneco available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Moneco.
04Card and wallets?
Moneco lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Moneco remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
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7.1Solid
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