PersonalBusiness

fees

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
fee-eye

0% transfer fee

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

0.45% swap fee

–50%

Limited time offer: Jun 1, 2026 – Jan 1, 2027, old fee 0.9%.

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

Crypto Transfers

Move crypto in and out of Monflo with predictable fees.

Deposits

  • Free (min. €5 equivalent)

Withdrawals

  • 0.1% per transfer
  • Min €3, Max €20

Earn Products

Coming soon

Put your assets to work to generate yield.

15% of profits earned

  • Charged only when profits are realized — on withdrawal or after each three-month period, whichever comes first
  • No fees are ever charged on your deposits or on losses

Personal accounts for just €3.99/month

–50%

Limited time offer: Jun 1, 2026 – Jan 1, 2027, old price €7.99/month.

Start with a 30-day free trial, then just €3.99/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.

Business accounts – €14.99/month

–50%

Limited time offer: Jun 1, 2026 – Jan 1, 2027, old price €29.99/month.

  • Start with a 30-day free trial
  • Receive unlimited bank transfers at no cost
  • Send up to 100 transfers per month for free
  • Only €0.15 per additional outgoing transfer

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 0.9% 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.

The Monflo Debit Card is made available in partnership with Gnosis Pay. The card is issued by Monavate Limited pursuant to licence by Visa Europe Limited. Monavate Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 901097).

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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