🎉 Monflo is now MiCA licensed - to celebrate, all swap fees are reduced from 0.9% to 0.1% until end of January

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Simple. Transparent. Competitive.

Managing your money should be simple and transparent. That’s why Monflo offers clear, predictable fees—no hidden costs, no surprises—just true financial ownership.

Take Control of Your Finances

Your money, your rules. With Monflo, you manage EUR and crypto seamlessly in one account — transparent fees, no surprises.

Get Started
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0% transfer fee

Receive and send EUR from your Web3 IBAN account for free.

0.1% swap fee

Monflo scans 15+ decentralized markets for the best prices. The fee is charged directly from the transaction amount.

Start with just €7.99/month

Start with a 30-day free trial, then just 7.99/month. It is automatically charged once per month to maintain a Monflo account. It covers maintenance, custody, and access to Monflo services. No extra custody, IBAN, or on-ramp and off-ramping fees once subscribed.

Any Other Fees?
No Surprises

Effortlessly manage and grow your EUR and crypto — all in one place. What you see is what you get:

  • • Only 0.1% per swap transaction
  • • No custody fees
  • • No IBAN maintenance fees
  • • No on-ramping fees
Additional third-party or network fees may apply depending on your bank or blockchain network. We’ll always inform you of any extra costs.

Your money, your RULES

Monflo is a Crypto-Asset Service Provider (CASP) licensed under MiCA by the Dutch Authority for the Financial Markets (AFM). We comply with the Money Laundering and Terrorist Financing Prevention Act (Wwft), the Sanctions Act 1977, and all MiCA requirements. The AFM supervises our conduct-of-business obligations and organizational governance. De Nederlandsche Bank (DNB) performs prudential supervision over Monflo in accordance with MiCA.

Crypto-asset investments involve risks. You may lose part or all of the amount invested. Swap orders are exclusively executed via third-party decentralized exchange aggregator. Please review all transaction details before proceeding. By using Monflo services, you acknowledge and accept these risks. Additional information is available in Monflo's Terms and Conditions and Risk Disclosure.

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