No banks. No waiting. No fees on transfers between friends. Just open your phone and pay — in seconds.
Download the app, verify your phone number. You're ready in under 60 seconds. No bank account required.
Walk into any cambio or agent point, hand them cash, and your Moni balance is topped up instantly.
Scan a QR code at any merchant, send money to any phone number, or pay your bills — all in under a second.
Send money to anyone with a phone number. No fees, no limits on frequency. Money moves in milliseconds.
Walk in, scan, done. Every merchant gets a unique QR code. No card terminals, no cash counting, no hassle.
EBS, SWM, Telesur — pay all your utility bills from your phone. No more standing in line.
End-to-end encryption, biometric authentication, and real-time fraud detection. Your money is safe.
Suriname has options. But none offer everything in one place — free P2P, QR payments, bill payments, and diaspora transfers. Until now.
| FEATURE | Moni | Mopé Hakrinbank | Uni5Pay+ SCOM / UnionPay | Bank Apps DSB, Hakrinbank, etc. | Western Union Traditional |
|---|---|---|---|---|---|
| P2P transfers | Free | Free* | Free | SRD 2-5 per transaction | N/A |
| QR Payments | 0.5% | ~2% | Yes | No | No |
| Bill Payments | EBS, SWM, Telesur | Limited | Online stores | Some | No |
| Diaspora (NL → SR) | 0% fees | No | Via UnionPay | High fees | 8-12% fees |
| Bank account required | No | No | No | Yes | No |
| Speed | Instant (<2 sec) | Minutes | Minutes | 1-3 business days | Hours to days |
| Cash withdrawal | At any cambio | Hakrinbank ATM | Stores & bank | Own ATMs | WU locations |
| Merchant tools | Dashboard + analytics | Basic POS app | UnionPay terminal | POS terminal (expensive) | No |
* Based on publicly available information. Rates may change.
Choose MoniAccept payments instantly. No terminal fees. QR code on your counter, money in your account.
Send allowance, split costs, pay the babysitter — all instant, all from your phone.
Invoice customers, track cash flow, and accept payments without expensive POS systems.
Send money home to Suriname. No middlemen, no hidden fees, arrives in seconds.
Moni is launching soon in Suriname. Join the waitlist and be among the first to experience instant payments.
We'll notify you when Moni launches. No spam, ever.