Pay across Africa and the world in seconds, not days
One business account for NGN, GHS, KES, ZAR, USD, GBP and EUR. Pay suppliers, run payroll and collect from customers in 38 corridors, at the mid-market rate you see before you send.
Rated 4.8 out of 5 by 1,200 finance teams
Mombasa Cold Chain
NGN to KES
₦25,000,000
KSh2,432,730
Locked
Screened
Sent
Settled
Settled in 38 seconds
Moving money for 2,400 businesses in 14 countries
Savanna Air
Adire & Co
Northgate
Kente Labs
Bluecrest
Lumen Freight
GBP → NGN
1,755.97
+0.21%
USD → NGN
1,328.09
−0.16%
USD → KES
129.74
−0.06%
EUR → GHS
13.17
+0.12%
NGN → KES
0.0977
+0.08%
USD → GHS
11.72
−0.54%
Example mid-market rates for illustration, 13 Oct 2026. Not live data.
Transparent quotes
See exactly what arrives before you send
Every quote starts from the mid-market rate. Lock it, and that’s the rate that lands, with no second margin taken at the other end.
One visible fee, shown before you confirm
24-hour rate locks for pro-forma invoices
Side-by-side with a typical bank wire
Multi-currency accounts
One account for every currency you touch
Hold, convert and pay out in seven currencies without opening a bank account in every country you trade with.
Balances in seven currencies
Hold money where you’ll spend it. Convert only when the rate suits you.
Nigerian naira
Lagos
₦486.2M
Kenyan shilling
Nairobi
KSh38.9M
British pound
London
£214k
Lock a rate for 24 hours
Quote your customer today and pay your supplier tomorrow, at the same rate.
USD to NGN, locked
1,328.09
18:42:07 left on this lock
Local account details
Get paid like a local in Lagos, London and New York.
Account name
Adire & Co Ltd
Sort code
04-00-75
Account
3192 6819
Pay 400 suppliers in one go
Upload a spreadsheet. Montra checks every row, then pays each supplier in their own currency.
Ikeja Packaging Ltd
₦4,120,000
Settled
Tema Port Haulage
GH₵38,400
Settled
Mombasa Cold Chain
KSh912,500
Sending
Every payment screened
Sanctions, fraud and business checks run in the background, so legitimate payments aren’t held up.
Recipient name matched
0.4s
Sanctions and watchlists
0.8s
Second approver
Waiting
Reconciles itself
Payments, fees and FX gains post to your ledger with the invoice attached.
INV-2291
Ikeja Packaging
Paid
INV-2288
Tema Port Haulage
Paid
FX gain
Posted automatically
₦12,400
Who it’s for
Built for businesses that trade across borders
Whether you import stock, sell across the continent or pay a team in three countries, Montra handles the currency side.
Importers and exporters
Pay overseas suppliers before the ship leaves port
Convert naira, cedi or shillings to dollars, pounds or euros at a locked rate and pay the same day.
How supplier payouts work
Retail and marketplaces
Sell across the continent, get paid like a local
Give customers local account details in Nigeria, the UK and the US, with payments labelled by who paid and for what.
See business accounts
Manufacturers
Protect your margins from currency swings
See your exposure by currency, set rate alerts and convert when the rate works for you, not when the bank opens.
See example rates
Teams and payroll
Pay your team in their own currency, on time
Run payroll for staff and contractors across Lagos, Accra and Nairobi from one spreadsheet, the same morning.
See payroll
The honest comparison
What a $10,000 payment really costs
Banks rarely charge a visible conversion fee. They build a margin into the rate instead. Here’s how Montra compares with a typical bank wire.
Getting started
From sign-up to first payment in four steps
Most businesses are verified within one working day.
1
Verify your business
Upload your registration and director IDs. Anything else we need comes in one message, not five.
2
Add money
Send a local transfer to your Montra account details in any of seven currencies. It shows up in seconds.
3
Convert and pay
Pay one recipient or four hundred. Approval rules stop anything over your limit leaving without a second sign-off.
4
Close the books
Every payment syncs to your accounting software with the rate, fee and invoice attached.
Montra for iOS and Android
Approve payments from anywhere
Get a push notification the moment a payment needs you. Check the rate, see who requested it and approve with Face ID, from the warehouse floor or the airport lounge.
One-tap approvals with biometric sign-in
Rate alerts and 24-hour locks on the go
Share proof of payment with a supplier in seconds
Store links are placeholders in this template.
$2.4B
Moved for customers in 2026
41s
Median time to settle
38
Currency corridors
4.8/5
Average customer rating
Customer stories
Finance teams who stopped waiting on wires
Supplier payments
7 days early
Same day
We used to pre-fund our Nairobi warehouse a week early to cover SWIFT delays. Now we pay the morning the stock arrives, and the rate on the invoice is the rate we pay.
Wanjiru Kamau
Savanna Air Cargo
Payroll run
A weekend
One upload
Payroll for 140 people across Lagos and Accra is one upload on the 25th. It used to be two banks, three spreadsheets and a lost weekend.
Tolu Adebayo
Adire & Co
FX cost on invoices
3.6%
0.4%
Our UK customers pay into a sort code and our team in Accra gets cedis an hour later. Nobody here has to think about currency any more.
Kwame Mensah
Kente Labs
Month-end close
4 days
1 day
Every payment lands in our ledger with the rate and invoice attached. Our auditors stopped asking for bank letters to prove what we paid and when.
Amara Okafor
Bluecrest Agro
Security
Your money is safeguarded, never lent out
Customer funds sit in segregated accounts at regulated banks in each currency’s home market, separate from Montra’s own money.
Safeguarded funds
Held 1:1 in segregated accounts
Every payment screened
Sanctions and fraud checks in under a second
Two-person approvals
Set limits by amount, currency or recipient
Passkeys and 2FA
Encrypted in transit and at rest
FAQ
Questions finance teams ask us
Online now
Talk to Ada in Lagos
Our team in Lagos, Nairobi and London usually replies within six minutes on weekdays.
How can a payment settle in seconds?
What do you need to verify my business?
Which countries can I pay into?
How does a 24-hour rate lock work?
Can I require two people to approve payments?
Does Montra work with my accounting software?
Your next supplier payment could land in under a minute.
Open a Montra account online. Most businesses are verified within one working day and can pay their first supplier the next morning.
Free to open
No minimum balance
Verified in about a day