Team Monito

Why You Can Trust Monito

Aug 4, 2020
Affiliate disclosure

We started Monito after we experienced the frustration of losing tons of money on international transfer fees ourselves. Our mission is to empower millions of people around the world to make the best decision about money transfers, and to help our customers save billions in transfer fees.

Industry-Leading Voice

Monito’s expertise is frequently requested by journalists for various media outlets, including TV, radio and newspapers (read about Monito in the press). They often want to hear from an independent voice to help their audience navigate the jungle of money transfer fees and exchange rates.

Monito's co-founders (see full bios below) were asked to make keynote speeches at leading industry conferences such as the Global Money Transfer Summit in London as well as International Money Transfer Conference in Madrid and Istanbul. Monito also organized the first conference about transparency in the money transfer industry at the Swiss Embassy in London, alongside keynote speakers from the WorldBank, DMA and Azimo.

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

Laurent Oberholzer

Laurent is the Co-Founder and Head of Business Development at Monito. A recognized expert with over six years of experience in the banking and money transfer industry, Laurent has been quoted and interviewed in numerous prestigious media outlets such as Forbes, Technologist, The Local, Le Temps, Dukascopy TV and the Swiss National Television (RTS)

A keynote speaker at the International Money Transfer Conference and having personal contacts at all major industry players from Western Union to TransferWise, Laurent has a deep understanding of the dynamics of the money transfer and international payments industry.

Laurent was nominated as one of the Top 100 young personalities shaping the future of Switzerland by L’Hebdo and made the cover of the Young Swiss magazine in 2014. 

Laurent is passionate about understanding all the nooks and crannies of the highly complex international payments industry, and reviewing money transfer companies to help consumers based on actionable insights.

Laurent holds a Master of Science (MSc) in Quantitative Finance with summa cum laude from ETH Zurich and the University of Zurich, as well as a Bachelor’s degree (BSc) in Management and Finance from HEC Lausanne and the University of Hong Kong.

François Briod

François is the Co-Founder and CEO of Monito and has more than six years of experience in the FinTech and Money Transfer industry. A keynote speaker at the Global Money Transfer Summit, at the International Money Transfer Conference, the Transparency in the Remittances Industry Conference at the Swiss Embassy in London, and the Fintech 2.0 conference, François has been quoted as an expert in the Money Transfer industry by various prestigious media outlets, including Forbes, TechCrunch, Business Insider, Le Monde, Le Temps, 20 Minutes, Money International and the Swiss National Television (RTS)

François has received numerous awards for his work, including the best Swiss Fintech Pitch in New York and the Top 100 young personalities shaping the future of Switzerland.

François loves helping consumers navigate the jungle of money transfer fees and exchange rates in a fun and transparent way, with the ultimate goal of saving on unfair transfer fees.

François holds a Master’s degree (MSc) in Information Systems and a Bachelor of Science (BSc) in Business Administration and Management from HEC Lausanne and the Freie Universität Berlin.

Pascal Briod

Pascal is the Co-Founder and Head of Product at Monito. Having regularly sent money abroad for the past 20 years for a non-profit organization he co-founded in Cameroon, Pascal has a deep understanding of the problem encountered by the millions of people around the world sending money across borders. With over six years of experience in the money transfer industry, Pascal has spent countless hours analyzing the services offered by money transfer companies and interviewing their customers to evaluate the user experience of sending money online

Based on this experience, Pascal co-published a paper entitled “Remittances: How reliable are the data?" in the Migration Policy Practice journal distributed by the International Organisation for Migration (IOM). Pascal’s work has been recognized by The Guardian as well as during the Global Forum on Remittances organized by the IFAD. He has been quoted in various media outlets such as Le Temps, Le Monde, and the Swiss National Television (RTS). Pascal’s thought leadership in the topics of Technology, User Experience and Money Transfers is closely followed by hundreds of thousands of readers on and Quora.

A keynote speaker at the Crea Digital Days, FER Geneva and invited to the Global Forum on Remittances, Investment and Development, Pascal was nominated as one of the Top 100 young personalities shaping the future of Switzerland by L’Hebdo in 2015. 

Pascal Briod holds a Master’s degree (MSc) in Development Studies from the Graduate Institute in Geneva and a Bachelor of Science in Human Geography from the University of Lausanne and the Freie Universität Berlin.

Byron Mühlberg

Byron is a Content Writer and Editor at Monito. Having gained international exposure and writing experience across a variety of industries, he has developed a keen eye for subjects relating to personal finance and technology. Primarily through his work as a journalist, where he reported for the likes of NL Times and CPO Magazine, Byron has shaped a personal mission to condense complex information in a manner that can be easily understood and appreciated by all.

Originally from South Africa, Byron holds a postgraduate degree in Journalism from Stellenbosch University, and lived and worked in the Amsterdam, the Netherlands before his most recent move to Switzerland.

Byron Mühlberg, writer at

"Monito is a comparison tool that enables people to find, compare and review money transfer services"

    They Trust Monito


    Best Swiss Startup 2018 - Prix Strategis

    Best Swiss Fintech Pitch 2017 - Venture Leaders Fintech, New York

    Jury's award 2016 - PERL (Prix pour l'Entrepreneuriat Région Lausanne)

    Top 20 European Fintech Startups 2016 - TechTour

    Social Impact Award 2014 - Impact Hub Zurich

    Our Core Values

    We value the diversity each new colleague brings to the team and respect everyone's differences, but we all adhere to a set of four core values.

    These values help us define who we are as a team and guide us in our everyday decisions.

    Focus on Impact

    No impact is too small when it can scale at a global level. We grow with the needs of many in mind.

    Make Sense of Data

    Building knowledge from accurate data is the key to making pragmatic decisions.

    Earn Trust Every Day

    Trust is our biggest asset. Independence and transparency are its safeguard.

    Transcend Frontiers

    We have the audacity to become the change we seek in the world.

    Everyone Wins, Except Expensive Solutions

    With our model, the only losers are banks with excessive fees and bad exchange rates, or the money transfer providers you’ll stop using!

    To ensure our independence, we always use transparent, objective and verifiable criteria in our comparison. No provider can buy their way to the top of our results.

    We include as many providers as possible in our comparison and have partnerships with almost all major and innovative providers.

    We make sure you never pay more than if you went directly to the provider of your choice. We even negotiate special offers for you with many of our partners.

    Learn how to use Monito
    • You save money on your transfer by selecting the cheapest provider on Monito. Our service is 100% free for our customers.

    • The best providers earn new customers without expensive marketing. This helps keep their costs (and prices) low.

    • Monito receives a referral fee from the provider you selected. This enables us to offer our service to you for free.

    Compare your options before your next transfer

    Why Trust Monito?

    You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe.

    Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

    Learn more about Monito
    • Monito is Trusted by 15+ Millions Users across the globe.

    • Monito's experts spend hours researching and testing services

    • Affiliate commissions we may receive never impact our independence.

    Global Impact Finance Ltd
    Rue du Pont 22
    1003 Lausanne

    Affiliate Disclosure
    Instead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.