Why You Can Trust Monito

We started Monito after we experienced the frustration of losing tons of money on international transfer fees ourselves.

We are now on a mission to empower millions of people around the world to make the best decisions about their money transfers, and to help them save billions in transfer fees.

Our Editorial Standards

At Monito, we deeply appreciate the trust our customers have in us when it comes to their financial matters. We hold ourselves to the highest editorial standards to provide accurate, unbiased, and up-to-date content. Our aim is to empower our readers with the knowledge they need to make informed decisions about their international finances.

Our Principles

• Relatable: We understand the problems our users face: high fees and exchange rates, lack of transparency, and cluttered financial jargon — and we care deeply about solving them in a friendly, scannable, localised, and engaging way.
• Trusted: We build trust into everything we write by calling up customer reps, testing out accounts, poring over T&Cs, providing plenty of examples and alternatives, and filling spreadsheets with fee calculations.
• Savvy: We find hacks and shortcuts to help our customers make the most out of their money, whether it’s withdrawing cash in the local currency while abroad to avoid DCCs or converting money in the Revolut app ahead of your weekend abroad to avoid weekend fees.
• Opinionated: While there’s seldom a “one size fits all” solution to any problem, we’re not afraid to make our opinions clear by letting our readers know what we think they should do when confronted with different questions and concerns.
• Actionable: We share information that can be acted upon, not just thought about. Every word, sentence, and paragraph must serve a clear purpose: to inform our readers with the latest and most up-to-date information to guide their decisions.

Monito Score

Our proprietary Monito Score is a data-driven money transfer review that uses an evaluation based on 30 criteria organised into 4 categories:

1. Trust & Credibility;
2. Service Quality;
3. Fees & Exchange Rates;
4. Customer Satisfaction.

This allows us to offer an objective, trustworthy, and completely unbiased comparison of different money transfer providers. Our strict standards mean that no provider can buy their way to the top of our results.

AI Policy

In addition to the Monito Score and our comparison engine, we write extensive provider reviews and money transfer guides in 11 languages. Here at Monito, real humans write each and every one of our guides. While many major content producers in the industry are using AI to write articles, our experts continue to hand-test products, conduct thorough research, and write clear recommendations for each use case.

We understand the potential of AI technology, but we have seen it make poor recommendations too — largely because it lacks the data and human experiences that we have nurtured for over 10 years. This is why we commit to producing the highest quality money transfer information available around the world for humans, by humans.

Our Editorial Team

Meet our leadership:

• François Briod: François, Monito's Co-Founder and CEO, is an acclaimed keynote speaker in the money transfer industry. He has been guiding readers through complex fees for over 10 years.
• Laurent Oberholzer: Co-Founder and Head of Business Development, Laurent has been interviewed in numerous media outlets, and graduated summa cum laude from ETH Zurich in Quantitative Finance.
• Pascal Briod: Co-Founder and Head of Product at Monito, Pascal is a published author on international remittances and a UX design expert, who has interviewed countless customers about their transfers.

Meet our international team of writers:

• Byron Mühlberg: Former journalist, Byron is passionate about the convergence of personal finance and technology and seeks to present intricate details in a digestible manner.
• Cecilia Gibson: Cecilia, a journalist and digital marketing expert, assists Portuguese readers with navigating exchange rates and saving on remittances.
• Gabrielle Lorion: Gabrielle, French Monito's French writer with a degree in finance, strives to make personal finance management accessible to all.
• Jan Watermann: As a digital nomad, Jan is an expert in cross-border money transfers and globalisation. He shares his knowledge toward German-speaking regions.
• Jarrod Suda: Jarrod brings his experiences in the US, Japan, and Switzerland to Monito's English-speaking readers. He graduated from UC Berkeley in 2016 and is certified in financial valuation analysis.
• Lorenzo Baldassarre: Lorenzo is an Italian content writer for Monito. He lives in Rome, has travelled extensively and is passionate about finance and its digital transition.
• Madi Morales: Madi, a research expert and writer by vocation, shares her knowledge on a large scale as Monito's writer in Spanish.
• Mariia Ivankina: Mariia moved from Russia to the UK in 2020. Understanding first-hand the hurdles to opening an account overseas, she writes with Monito in Russian.
• Melike Turran: Melike has been living a digital nomad life for many years. She shares her knowledge in international money transfers with Monito readers in Turkish.
• Monika Macur: Monika is a digital nomad who shares her knowledge and expertise on international money transfers, fin-tech, and neobanking with Polish Monito readers.
• Nataliya Kurovtseva: Nataliya, with a Master's in Accounting and experience in the Ukrainian Parliament's Finance Committee, writes about finance in Ukranian.

Our YouTube Channel

After launching our first video in December 2021, our YouTube channel gained over 6K subscribers (in 12 months!) and has garnered well over 1 millions views and counting. We apply the exact same high editorial standards to our video content as we do to our written guides.

Meet our video creator and editor:

• Jonny Pease: Jonny combines his expertise in business and finance with his extensive experience as a successful content creator to provide accessible video content in English.

Discover a wealth of knowledge on international money transfers, digital banking, and more by visiting Monito's rapidly growing YouTube channel:

Monito Is an Industry-Leading Voice

Media outlets frequently seek Monito's independent expertise to help their audience navigate the complicated world of money transfer fees and exchange rates (read about Monito in the press).

Monito's co-founders have also been keynote speakers at industry conferences such as the Global Money Transfer Summit and International Money Transfer Conference in Madrid and Istanbul, while Monito organised the first transparency conference in the money transfer industry at the Swiss Embassy in London with keynote speakers from the WorldBank, DMA, and Azimo.

• The International Organization for Migration (IOM) signed a memorandum of understanding with Monito (formerly known as TawiPay) on enhancing transparency in the Remittances Market.
• FRC, a leading consumer association in Switzerland, is encouraging its members to compare fees on Monito when it comes to sending money abroad.
• The Swiss’ State Department of Economic Affairs supports Monito’s mission to bring transparency in the money transfer industry.

• WorldRemit recognizes Monito as a detailed site that provides thorough information on the best money transfer providers based on transfer type, destination, amount, speed, and fees.
• Remitly acknowledges Monito as a leading voice in the money transfer industry that recommends providers based on low fees, excellent customer service, and credibility.
• Wise partners with Monito to bring transparency to the money transfer industry through easy-to-understand illustrations of pricing and explanations about hidden fees.

Contact Us

Got questions? Want to send us feedback? We're all ears. Contact us at info@monito.com.