What makes Moneva different from a bank?

Moneva is a self-custodial neobank built on stablecoin rails. You get the familiar account, payments and transfer features you expect, but you always hold your own funds, with no bank sitting in the middle.

Is Moneva self-custodial, and who controls my money?

You do. Your funds live in a smart-account wallet that only you can authorize, secured by a passkey on your device. Moneva can never move, freeze, or access your money without you.

Do I need to know anything about crypto to use Moneva?

No. Connect with your Apple or Google account, create a passkey, and your secure account is set up for you in the background, with no seed phrases to write down and no chains or gas to think about. It works like the banking app you already know.

Can I send money internationally?

Yes. Send to bank accounts in 100+ countries, settled in about ten minutes and converted at rates close to the mid-market.

How do the USD, EUR, GBP and Naira accounts work?

Your USD, EUR, GBP and Naira details let you receive money like a local. What arrives is converted into USDC, a fully backed dollar stablecoin that you hold yourself, so your balance stays stable and can move instantly, anywhere. Which local account details you can open depends on your residency, and we add more currencies and corridors as we expand.

What happens if I lose my phone?

Your money is safe. There is no seed phrase to lose, and your funds never sit on the device, they live in a smart-contract account that only you control. Sign back in with your passkey, or your linked login, on a new phone to restore access, and you can register the new device as a signer. An optional recovery method means you can get back in even if your phone is lost.

What happens to my money if Moneva goes away?

Your funds are yours, not ours. They sit in your own smart-account wallet on public rails, so unlike money held by an exchange or a bank, they cannot disappear if Moneva does. You keep full control either way.

Can my money be frozen, and is it safe?

Moneva can never freeze, move, or seize your funds. Only you can authorize a transaction with your passkey, and your balance lives in a wallet that only you control.

What does Moneva cost, and are there hidden fees?

No hidden fees. You see the exact cost of every conversion, transfer and payout before you confirm, and our FX sits close to the mid-market rate.

Do I need to verify my identity?

Not to get started. You can create your account and hold funds with just your Apple or Google sign-in and a passkey, with no ID check up front. A quick identity check is only needed when you send money internationally or open virtual currency-account details, and it is handled securely by our licensed partners.

How long does it take to send money to the UAE?

Most transfers to the UAE settle in about ten minutes. Exact timing depends on the recipient's bank and local rail hours. Moneva shows the expected delivery time before you confirm.

What does it cost to send money to the UAE?

On a recent $1,000 transfer, the fee was around 0.7% (about $7.29). Rates and fees move, so the app always shows the live fee and the exact dirham amount before you confirm.

Do I need to verify my identity?

Yes. Identity verification is required for international sends. The payout to the UAE runs through licensed payment partners, and they require a one-time identity check to meet their regulatory obligations. Moneva guides you through it.

How does the recipient get paid?

The recipient receives dirhams directly in their UAE bank account. You enter their bank details when you set up the transfer.

Your funds sit in a self-custodial account that only you control until you send. Moneva is self-custodial software, not a bank or custodian, so it never takes custody of your money. Once you authorize a transfer, the payout is processed by licensed partners and is designed to be final, so check the recipient details first.

Send money

Send money to the UAE in minutes

Moneva lets you send money to the United Arab Emirates from a self-custodial account on stablecoin rails. You hold dollars as USDC that only you control, and the recipient receives dirhams in their UAE bank account in about ten minutes. You see the fee and the exact dirham amount before you confirm.

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How to send money to the UAE

1
Create your account
Sign in with Apple or Google and a passkey. There is no seed phrase to write down and nothing to lose.
2
Add funds
Top up your self-custodial account with USDC. Your dollars stay under your control the whole time.
3
Enter the recipient
Add the recipient's UAE bank details, such as an IBAN, and the amount you want to send.
4
Confirm and send
Moneva shows the fee and the exact dirham amount the recipient will receive. Authorize the transfer with your passkey.
5
Done in about ten minutes
The recipient receives dirhams in their UAE bank account, typically in around ten minutes.

A recent transfer, in real numbers

On a recent $1,000 transfer to the UAE, Moneva delivered about AED 3,646.22 at a fee near $7.29 (around 0.7%), settled in about ten minutes.

Source: Moneva's live rate comparison. Rates move; the app shows the live figure before you confirm.

Why send to the UAE with Moneva

Fast

Most transfers to the UAE settle in about ten minutes, not days.

Self-custodial

Your funds stay in an account only you control until you choose to send. Moneva is software, not a custodian.

Transparent

You see the fee and the exact dirham amount up front, before you confirm. No surprise charges after the fact.

Receive like a local

Moneva gives you UAE payout plus your own USD, EUR, and GBP account details, so money moves the way you need it to.

Send money to the UAE: FAQ

How long does it take to send money to the UAE?: Most transfers to the UAE settle in about ten minutes. Exact timing depends on the recipient's bank and local rail hours. Moneva shows the expected delivery time before you confirm.
What does it cost to send money to the UAE?: On a recent $1,000 transfer, the fee was around 0.7% (about $7.29). Rates and fees move, so the app always shows the live fee and the exact dirham amount before you confirm.
Do I need to verify my identity?: Yes. Identity verification is required for international sends. The payout to the UAE runs through licensed payment partners, and they require a one-time identity check to meet their regulatory obligations. Moneva guides you through it.
How does the recipient get paid?: The recipient receives dirhams directly in their UAE bank account. You enter their bank details when you set up the transfer.
Is my money safe?: Your funds sit in a self-custodial account that only you control until you send. Moneva is self-custodial software, not a bank or custodian, so it never takes custody of your money. Once you authorize a transfer, the payout is processed by licensed partners and is designed to be final, so check the recipient details first.

Ready to send money to the UAE?

Join the waitlist See how it works

Send money to the UAE in minutes

How to send money to the UAE

Create your account

Add funds

Enter the recipient

Confirm and send

Done in about ten minutes