MonacoEUREuro
The euro in Monaco is the official currency, even though the principality is not part of the European Union: it obtained this right through a separate agreement and even mints its own coins. The difficulty here is not with the exchange rate. The principality's banks work mainly with affluent private accounts, financial oversight is strengthened, and incoming payments from Russia are examined more carefully than usual - which is why the route is confirmed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
The official currency is euros (EUR). The principality is not part of the European Union, but uses euros under a currency agreement with the EU and has the right to issue its own euro coins, which circulate equally with coins from other eurozone countries and are of particular interest to collectors. Monaco is the second-smallest independent state in the world after Vatican City, with a territory of approximately 2 sq. km, some of which was created through land reclamation and shoreline expansion. Bank transfers use IBAN with the code MC, 27 characters in length; international transfers also require the bank's SWIFT/BIC code.
The principality's banking sector is oriented primarily toward private banking and serving affluent clients, so incoming international payments undergo thorough checks on the source of funds, the basis of the transaction, and the parties involved. In recent years, financial oversight in Monaco has been strengthened, so transfers from Russia carry a particularly high probability of additional compliance requests. Monaco applies sanctions restrictions against Russia following a model aligned with European measures, so the availability of a particular route depends on the receiving bank, the correspondent chain, and the results of sanctions and AML/KYC compliance. The official language is French; Monégasque, Italian, and English are also widely used, and bank details are presented in Latin characters. Monaco operates in UTC+1 timezone in winter and UTC+2 in summer, so it is 2 hours behind Moscow in winter and 1 hour behind in summer. ATM24 checks the receiving bank, compliance, and available route in advance before confirming the application. The timeframe for international SWIFT transfers is 2–5 business days. ATM24 commission is from 0.9%.
The card network of the principality is shared with France, and there are no distances within Monaco itself. In the application, enter the 16-digit card number and cardholder name in Latin characters. The transfer will be in euros, so the recipient has nothing to exchange. Whether the payment will go through by card is verified in advance
An account number in the principality starts with MC and consists of 27 characters. You need the principality's IBAN, the bank's SWIFT code, and the recipient's name in Latin characters. It's worth recounting the length: an extra or missing character will return the payment. For a large amount, the bank will almost certainly ask about the basis for the payment
Delivery of cash euros for those who need money right away and without an account. The principality is compact: any cash pickup location is never far away. This option is helpful when the recipient does not have their own account in Monaco. The available cash amount is confirmed when submitting the application
Monaco account details use IBAN format MC with 27 characters, the bank's SWIFT code, and the recipient's name in Latin characters. The currency is euros, so there is no exchange risk. What really matters is something else: the principality's banks work primarily with private affluent accounts and scrutinize incoming payments from Russia more carefully than usual, and sanctions restrictions are applied following the EU model. Route and amount are confirmed before payment.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009256per 1 RUB
10 000 ₽ = 92.56 EURUSD EUR
0.8298per 1 USD
100 $ = 82.98 EURUSDT EUR
0.8298per 1 USDT
100 USDT = 82.98 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 82.98 EUR |
| 300 USDT | 249 EUR |
| 500 USDT | 415 EUR |
| 1 000 USDT | 830 EUR |
| 5 000 USDT | 4 149 EUR |
Where recipients usually get the money in Monaco
Société Générale Monaco — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
BNP Paribas Monaco — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Crédit Foncier de Monaco — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
CFM Indosuez Wealth — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Barclays Monaco — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
Monaco is not part of the European Union, but uses euros (EUR) under a currency agreement and has the right to mint its own euro coins.
Card Systems
Visa and Mastercard are used through French banking infrastructure. The country uses euros. BNP Paribas Monaco and CIC Banque de Monaco are the largest banks. The level of cashless payments is very high, contactless payments are ubiquitous.
Financial Regulator
Commission de Controle des Activites Financieres (CCAF) is Monaco's financial regulator. It works closely with Banque de France and the ECB. Monaco applies the EU sanctions regime.
Interbank Transfers
Bank transfers use IBAN with the code MC, 27 characters in length; international transfers also require the bank's SWIFT/BIC code.
Payment Applications
PayPal, Revolut, and Wise are the primary tools for international transfers and online payments. BNP Paribas Monaco App and CIC Monaco App for bank customers. Apple Pay and Google Pay are standard.
Specifics for ATM24
Monaco applies sanctions restrictions against Russia following the model of European measures.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Only methods present in both the country description and the current route are shown.
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We've gathered answers about euros in the principality, its special status, and what the principality's bank will ask about incoming payments.
To arrange a EUR payout in Monaco, ATM24 first checks the receiving channel for the Monaco EUR bank route. The route is confirmed before payment, including Crédit Agricole Monaco, Société Monégasque de Banques et de Métaux Précieux, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Monaco in EUR on the Monaco EUR bank route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, BNP Paribas Monaco may require a different set of details than Banque Richelieu Monaco, so card and account routes are confirmed separately. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
For Monaco, ATM24 can review a EUR payout through banks such as Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
To prepare a EUR payout in Monaco, start with the exact recipient name and receiving route. ATM24 checks BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
A money transfer to Monaco in EUR can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Société Monégasque de Banques et de Métaux Précieux or Banque Richelieu Monaco. Documents or bank review can extend the processing time. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
The fee for sending money to Monaco with payout in EUR is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through BNP Paribas Monaco or Société Monégasque de Banques et de Métaux Précieux, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
Yes, ATM24 can calculate a transfer to Monaco in EUR where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the Monaco EUR bank route, payment currency, exchange conditions, bank details such as Crédit Agricole Monaco or Société Monégasque de Banques et de Métaux Précieux, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
For Monaco, the minimum EUR transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Crédit Agricole Monaco, BNP Paribas Monaco, recipient details, payout method, and document requirements before payment. A route through BNP Paribas Monaco may have different limits than a card or non-bank payout. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
A large EUR payout to Monaco can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
For a 1000 USD transfer to Monaco, the live EUR estimate depends on the current ATM24 route: 829.84 EUR. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Crédit Agricole Monaco or BNP Paribas Monaco. The final EUR amount is fixed before payment. Bank-route examples for Monaco: Crédit Agricole Monaco, BNP Paribas Monaco, Société Monégasque de Banques et de Métaux Précieux, Banque Richelieu Monaco, and BANK JULIUS BAER (MONACO) S.A.M.
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