Starter
$0 a month
For teams sending their first cross-border payments.
- 0.6% on conversions
- Accounts in 7 currencies
- Up to 3 team members
- Single payouts
- Email support
Pay for what you move, nothing else
Free to open, no minimum balance and no charge to receive money. Every conversion is the mid-market rate plus one fee you see before you send.
Plans
Growth
$149 a month
For businesses paying suppliers and staff every week.
- 0.4% on conversions
- 24-hour rate locks
- Bulk payouts and payroll
- Approval rules
- Xero, QuickBooks, Sage and Zoho Books sync
- Unlimited team members
Enterprise
Custom
For platforms and groups moving over $5M a month.
- Volume-based FX pricing
- Full API and webhooks
- Multi-entity treasury
- Dedicated account manager
- 99.95% uptime commitment
What a $10,000 payment really costs
Example using today's mid-market rates, compared with a typical bank wire at a 3.5% margin plus a $35 fee.
| Corridor | Recipient gets with Montra | With a typical bank | You save |
|---|
Compare plans
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Money in and out | |||
| Conversion fee | 0.6% | 0.4% | From 0.15% |
| Receive local transfers | Free | Free | Free |
| Bulk payouts and payroll | — | ||
| 24-hour rate locks | — | ||
| Control | |||
| Team members | 3 | Unlimited | Unlimited |
| Approval rules | — | ||
| Multi-entity treasury | — | — | |
| Integrations and support | |||
| Accounting sync | — | ||
| API and webhooks | Read only | ||
| Support | Chat and email | Named manager | |
Pricing questions
Moving more than $5M a month? Get a volume quote.
Online now
Talk to Ada in Lagos
Our team in Lagos, Nairobi and London usually replies within 6 minutes on weekdays.
Are there hidden FX margins?
No. You get the mid-market rate and one fee shown in the quote. The amount the recipient gets is the amount we show before you confirm.
Can I change plans later?
Yes. Upgrade or downgrade at any time. Changes apply from your next billing date, and yearly plans are refunded pro rata.
Do you charge to receive money?
Never. Local transfers into your Montra account details are free on every plan.
Is there a minimum balance or setup fee?
There's no setup fee, no minimum balance and no charge for an account you aren't using.
