Pricing
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.
Monthly
Yearly
2 months free
Starter
$0
a month
Free forever
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
Growth
Most teams pick this
$149
a month
Billed monthly
For businesses paying suppliers and staff every week.
0.4% on conversions
24-hour rate locks
Bulk payouts and payroll
Approval rules
Accounting sync
Unlimited team members
Enterprise
Custom
For $5M+ a month
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
Example fees
What a cross-border payment really costs
Examples use our sample mid-market rates, compared with a typical bank wire at a 3.5% margin plus a $35 fee.
GBP → NGN
UK to Nigeria
£10,000 → ₦17,489,460
₦16,900,180 with a typical bank
₦589,280
USD → NGN
US to Nigeria
$10,000 → ₦13,227,780
₦12,771,210 with a typical bank
₦456,560
USD → KES
US to Kenya
$10,000 → KSh1,292,210
KSh1,247,610 with a typical bank
KSh44,600
EUR → GHS
Europe to Ghana
€10,000 → GH₵131,170
GH₵126,700 with a typical bank
GH₵4,480
NGN → KES
Nigeria to Kenya
₦25,000,000 → KSh2,432,730
KSh2,352,630 with a typical bank
KSh80,100
USD → GHS
US to Ghana
$10,000 → GH₵116,730
GH₵112,700 with a typical bank
GH₵4,030
USD → ZAR
US to South Africa
$10,000 → R164,540
R158,860 with a typical bank
R5,680
ZAR → NGN
South Africa to Nigeria
R100,000 → ₦8,006,840
₦7,712,780 with a typical bank
₦294,060
EUR → KES
Europe to Kenya
€10,000 → KSh1,453,960
KSh1,404,320 with a typical bank
KSh49,640
GBP → KES
UK to Kenya
£10,000 → KSh1,705,750
KSh1,648,280 with a typical bank
KSh57,470
Example rates for illustration only, 13 Oct 2026. Not live data or an offer to exchange currency.
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Money in and out
Conversion fee
0.6%
0.4%
From 0.15%
Receive local transfers
Free
Free
Free
Bulk payouts and payroll
Not included
Included
Included
24-hour rate locks
Not included
Included
Included
Control
Team members
3
Unlimited
Unlimited
Approval rules
Not included
Included
Included
Multi-entity treasury
Not included
Not included
Included
Integrations and support
Accounting sync
Not included
Included
Included
API and webhooks
Read only
Included
Included
Support
Chat and email
Named manager
Why switch
Montra compared with a typical bank wire
FAQ
Pricing questions
Moving more than $5M a month? Talk to sales for volume pricing.
What does a conversion cost?
Are there monthly fees?
Are there hidden FX margins?
Can I change plans later?
Start free. Upgrade when you’re moving more.
Starter costs nothing to open or keep. Growth adds rate locks, bulk payouts, approvals and accounting sync.
Free to open
No minimum balance
Verified in about a day