Personal Finance Money transfer

MONETA foreign payment from the Czech Republic: How much it will cost you and how to send it

Olesya Mets
Olesya Mets
17.04.26
Read time 3 minutes

These days, people are sending money abroad more and more frequently, whether that’s to pay for a hotel abroad or send their kids pocket money for their Erasmus exchange year. Is it your turn? Find out how much an international payment costs with MONETA bank, how long it takes, and how to send it.

We're also introducing the Wise account which allows you to have local account details in 9+ currencies, including EUR, USD, and GBP — all in one place. You can convert your money at the mid-market rate, and we'll show you the fees upfront.

Save with Wise 💰

MONETA international payments: How much do they cost?

🔍 This quick example will show you that the most important factor is the exchange rate.

If you send 1,200 EUR to Italy with MONETA, you'll spend 952 CZK more than with Wise. And that's solely due to the exchange rate – the SEPA payment itself is free with MONETA.

ProviderYou'll pay¹Exchange rate 1 EUR
MONETA Money Bank30,163 CZK25.136 CZK²
Wise29,211 CZK24.230 CZK

Data valid on the day of the article’s creation.

MONETA international payments – fees

The cost of an international transfer depends on where you're sending money and in what currency.

MONETA SEPA payments

As with most other banks, SEPA payments are free with MONETA.¹ The European Union mandates that payments in EUR within the European Economic Area should not cost more than domestic transfers.

MONETA international payments

If you’re sending money outside the EEA or in a currency other than EUR, you'll pay 1% of the amount sent. Regardless of the sum, the minimum fee is 220 CZK. The maximum fee is 1,500 CZK.¹

Watch out for MONETA's exchange rates

The exchange rate used by MONETA Money Bank affects international payments more than the transfer fees. Each bank sets its own rates, and to profit from the exchange, many add a margin to the market rate. On the Czech market, MONETA is one of the banks with a higher exchange rate margin – so always make sure to check how much you'll ultimately pay before making a transfer.

Save on transfers with Wise thanks to the mid-market rate

Open your Wise account for free, quickly and easily. All you'll need is your ID and a mobile device – there's no need to visit a bank office.

With the Wise Account you can:

  • Hold 40+ currencies and convert between them at the mid-market rate. We will show our conversion fees upfront
  • Get local account details in up to 9 currencies, including EUR, GBP, and USD
  • Receive balance cashback on EUR, GBP and USD held in your account
  • Order a Wise debit card which you can use with our Smart Conversion technology
  • Set up Auto Conversions based on your desired rate in the Wise app or use our Wise Rate Tracker to request exchange rate notifications directly to your email
  • Create Wise virtual cards, and save on online shopping
  • Get instant notifications of all your transactions via the Wise app. If you lose your card, you can easily cancel it in the app to keep your money safe

Open your Wise account
for free 🚀

How long does a MONETA international payment take?

A SEPA payment sent from MONETA Money Bank should arrive in the recipient's account by the next business day.² Other transfers should arrive by the fourth business day at the latest.³

Guide to MONETA international payments

How do you send money abroad with MONETA? Essentially the same way you'd send a regular payment – with the difference that you'll usually enter the account number in the international IBAN format. Along with the exact name of the recipient's account, this is all you need for a SEPA payment. For other international payments, you'll also need the BIC/SWIFT code and other details, depending on the destination country.⁴

How to send a payment:

  1. Log in to your Internet Bank or Smart Bank.
  2. Select the "Pay" option and then "International Payment."
  3. Fill in the account name and account number in IBAN format. The system will recognize whether it's a SEPA or an international payment based on this.
  4. Fill in the required fields and check them carefully.
  5. Authorize the transaction as you normally would.
  6. Payment sent.⁵

You can also submit an international payment order directly at a branch. However, be prepared for an extra 150 CZK fee for a SEPA payment.¹

MONETA incoming payments from abroad

Are you expecting to receive money from abroad? Good news – MONETA doesn't need you to do anything on your end. Simply provide the sender with the correct details, mainly:

  • Your international account number (IBAN).
  • Your bank's SWIFT code. For MONETA Bank, it’s AGBACZPP.⁵

Where to find your IBAN?

With MONETA, you can see your IBAN in the online banking system:

  • In Internet Bank, click on the gear icon; your account details, including your IBAN, will appear.
  • In Smart Bank, click on your account, then on the "More" icon, and then on "Details." Your IBAN will show up there.

MONETA also lists your IBAN on your regular bank statement. If you still can't find your IBAN, visit a branch or contact MONETA customer service.⁶

MONETA – contacts and customer support

If you need assistance, you can contact MONETA Money Bank in one of the following ways:

Call via Smart Bank:

  • In the Smart Bank mobile app, select the "More" section and then "Useful Information." Then click on the "Contact Us" button and call customer service.
  • By calling your bank through the app, you’ll get to avoid the identification process.

Message via an online form:

  • If you wish to file a complaint or claim, use MONETA's online form.

Infoline:

  • Number: 224 443 636
  • You can call between 8:00 AM and 8:00 PM on weekdays. On weekends, call between 8:00 AM and 4:30 PM.

Now you know everything about how international payments work with MONETA. Don’t forget to always pay attention to the exchange rate!

Learn more about the
Wise account 🔎

Sources:

  1. MONETA Bank – Fee Schedule
  2. MONETA Bank – Exchange Rate List
  3. MONETA Bank – Product Terms and Conditions
  4. MONETA Bank – Sending money to a foreign account
  5. MONETA Bank – How to send money abroad
  6. MONETA Bank – How to find your IBAN
  7. MONETA Bank - Contact

Sources checked on 24. 2. 2026.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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