Moneybase
Moneybase is a Malta-licensed, EU-passported all-in-one fintech platform offering multicurrency payments, investment trading across 40+ exchanges, and business banking services to 50,000+ consumers, students, and SMBs in Malta and internationally.
- Company typePrivate
- Founded1971
- HeadquartersBirkirkara, Malta
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Moneybase does
Moneybase is the consumer-facing fintech brand of Calamatta Cuschieri Moneybase plc, a Malta-based licensed financial institution whose group heritage dates to 1971, with the Moneybase app launched in 2021 as an extension of the earlier CCTrader platform. The company operates an all-in-one digital finance platform serving over 50,000 customers across consumer, student, joint-account, SMB, and enterprise segments, combining multicurrency payments, investment trading, and business finance management within a single mobile (iOS/Android) and web application backed by four physical branches in Malta and ISO 9001:2015-certified human support available seven days a week.
The platform's core technology comprises a mobile-first, API-enabled architecture with multi-currency wallet infrastructure supporting 24 currencies, real-time trading connectivity to 40+ international exchanges covering 20,000+ instruments (stocks, ETFs, bonds, funds), and SEPA/SWIFT payment rails. Card issuance is enabled through Mastercard Principal Membership via Moorwand Ltd, with tokenized integration into Apple Pay, Google Pay, Garmin Pay, and Xiaomi Pay. The business is regulated by the Malta Financial Services Authority (MFSA) under the Financial Institutions Act and Investment Services Act, holds EU passporting rights, and maintains segregated client funds at AAA-rated EU banks.
Moneybase monetizes through a multi-stream model: freemium personal accounts (free IBAN, free SEPA, 2 free US trades/month up to $2,000), tiered business subscriptions (€9.99/month Small Business, €25/month Growth, €85/month Enterprise with 10% annual discount), commission-based investment trading (US 0.06–0.19%, European €1.25–€7.99), FX conversion spreads (0.25–0.95% by tier), payment transaction fees (SWIFT from €5, chargebacks €30), and card-related revenue. Distribution is digital-first via self-serve mobile/web onboarding with a 48-hour business account opening SLA, supplemented by Malta retail branches. Cross-border payments extend to 189 countries, and strategic emphasis is on expanding the B2B product surface (corporate cards, Xero integration) and upmarket wealth tiers (Premium Club, Elite Club).
Moneybase firmographics
Firmographics- Name
- Moneybase
- Legal name
- Calamatta Cuschieri Moneybase plc
- Website
- https://moneybase.com
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Moneybase is a Malta-licensed, EU-passported all-in-one fintech platform offering multicurrency payments, investment trading across 40+ exchanges, and business banking services to 50,000+ consumers, students, and SMBs in Malta and internationally.
- Ownership category
- akta.pro rank
Moneybase industry classification
Industry- Product category
- Digital Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- Functions Related To Depository Banking, Nec (6099), Finance Services (6199)
- akta.pro primary industry
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
- akta.pro secondary industries
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG), Corporate Cash Management & Treasury Services (FSAMAOAA), Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)
Keywords
Where Moneybase is headquartered
LocationHeadquarters
- HQ city
- Birkirkara
- HQ country
- Malta
- HQ region
- Europe
Offices5 records
Markets served
Moneybase business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Subscription - Business Plans: Monthly subscription fees from business accounts with three tiers: Small Business (€9.99/month), Growth (€25/month), and Enterprise (€85/month). Annual discounts of 10% available.
- Payment Transaction Fees: Fees on payment services including SWIFT transfers (starting €5), chargebacks (€30), assisted transfers (€1), and SEPA/SWIFT investigations (€20).
- Investment Trading Fees: Commission-based trading fees across global exchanges. US stocks: free for first 2 trades/month up to $2,000, then 0.10-0.19% with min/max caps. European stocks: €1.25-€6.99 per trade. No custody or annual fees.
- FX Conversion Spread: Revenue from currency exchange spreads on 24 supported currencies. Business plans have different FX rates: 0.95% (Small), 0.70% (Growth), 0.25% (Enterprise).
- Card Services: Revenue from card-related services including delivery fees and potential interchange fees on Mastercard transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free personal account with essential features |
| Freemium | Monthly | Student account with stipend bonus incentives |
| Freemium | One time | Salary/pension switch bonus up to €80 |
| Subscription | Monthly | Small Business - €9.99/month |
| Subscription | Monthly | Growth - €25/month |
| Subscription | Monthly | Enterprise - €85/month |
| Transaction based/ take rate | Pay-as-you-go | US Stocks - Commission-based |
| Transaction based/ take rate | Pay-as-you-go | European Stocks - Fixed + Percentage |
| Transaction based/ take rate | Pay-as-you-go | ETFs - Commission-based |
| Freemium | Pay-as-you-go | Cash Funds - Zero trading fees |
| Transaction based/ take rate | Pay-as-you-go | Bonds - Malta Stock Exchange |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Moneybase product offering
Product offeringCore offering
Moneybase is an all-in-one digital finance platform offering personal banking (multi-currency IBAN accounts, Mastercard debit cards, SEPA/SWIFT transfers, foreign exchange in 24 currencies), investment trading (20,000+ instruments including stocks, ETFs, bonds, and funds across 40+ global exchanges), and business finance tools (multi-user wallets, corporate cards, payment approval workflows, and Xero integration). It operates via a mobile app, web platform, and four physical branches in Malta, regulated by the Malta Financial Services Authority (MFSA).
Product overview
Moneybase is an all-in-one digital finance platform by Calamatta Cuschieri Moneybase plc, combining personal payments, investment trading, and business finance management. The core Moneybase platform provides payments (SEPA transfers, multicurrency cards, foreign exchange, cross-border payments), while Moneybase Invest offers access to 20,000+ instruments (stocks, ETFs, bonds, funds, cash funds) across 40+ exchanges. Moneybase Business extends the platform with corporate cards, multi-currency wallets, payment approval flows, treasury management (Cash Funds, Treasury Bills), and Xero accounting integration. Supporting products include Student Accounts with stipend bonuses, Joint Accounts for shared finances, and reward programs (Salary Bonus, Mastercard Day cashback, travel discounts). The platform is available on iOS, Android, and web with ISO-certified customer support.
Differentiator
Problem solved
Functional benefit
Brands
- Moneybase Premium Club: A club designed for successful professionals and entrepreneurs ready to elevate their financial experience.
- Moneybase Elite Club
Products and services
- Moneybase Personal Free digital personal account offering multicurrency Mastercard, free SEPA transfers, foreign exchange, free incoming transfers, physical and virtual cards, and investment access via the Moneybase app and web platform. Aimed at individual consumers in Malta and the EU.
- Moneybase Student Account Free digital account for students aged 16+ featuring a free card, €40 stipend bonus on first income, €1,000 free US trade monthly for students 18+, and 4.34% APY on cash funds. Aimed at students in Malta and supported countries.
- Moneybase Joint Accounts Joint account allowing up to 3 Moneybase users to manage shared finances with separate IBANs, individual cards, and real-time transaction notifications. Designed for couples, family members, or friends sharing expenses.
- Moneybase Invest Award-winning multi-asset trading platform providing access to 20,000+ instruments (stocks, ETFs, bonds, funds, cash funds) across 40+ international exchanges, with real-time trading, watchlists, charting tools, extended-hours trading on US markets, and no custody or annual fees. Available to personal and business customers.
- Stocks Trading Stock trading on 10,000+ stocks across 40 international exchanges including US, UK, Germany, France, Italy, Netherlands, Spain, Canada, Japan, Australia, Singapore, Hong Kong, China, India, and South Africa. Two free US stock trades per month up to $2,000 value, with tiered commissions thereafter.
- ETFs Access to 4,000+ Exchange Traded Funds and Exchange Traded Commodities with live trading, one free ETF trade per month, and competitive commissions on US and European ETFs.
- Bonds Access to local and international bonds including Eurobonds, government bonds, corporate bonds, and treasury bills listed on the Malta Stock Exchange and other venues, with nominee and certificated options and no custody fees.
- Funds Access to 9,000+ mutual and international funds from leading fund managers including Credit Suisse, UBS, JPMorgan, with no annual custody fees.
- Cash Funds Low-risk UBS money market funds available in USD, GBP, EUR, AUD, and CHF currencies with 4.34% APY on EUR funds, daily interest compounding, zero entry/exit fees, and same-day settlement.
- Moneybase Business Business finance platform providing global payments, multi-currency wallets, payment approval flows, treasury management, and Xero integration with 48-hour account opening. Available in Small Business (€9.99/mo), Growth (€25/mo), and Enterprise (€85/mo) tiers.
- Moneybase Corporate Cards Physical and virtual corporate Mastercard cards for business spending with admin controls, multi-currency support, and transaction tracking per cardholder. Aimed at Malta-based SMB and enterprise customers.
- Moneybase Cards Multicurrency Mastercard with virtual and physical card options, no FX fees, support for Apple Pay, Google Pay, Xiaomi Pay, and Garmin Pay, and in-app security controls. Issued under Mastercard program management by Moorwand Ltd.
- Foreign Exchange
Quantifiable outcome
- Free SEPA payments with no transfer fees
- +4 more outcomes
Companies that use Moneybase
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
Moneybase technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature5 records
Moneybase partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- XerocoreIntegration allowing Moneybase Business account holders to automatically sync account statements to Xero accounting software. Reduces manual work and maintains accurate financial data with up to 12 months of historical transaction syncing available.
- MastercardcoreMoneybase is a Principal Member of Mastercard International and a program manager with Mastercard. Cards provided by Moorwand Ltd (FCA Reference No 900709). Enables physical and virtual card issuance across all Moneybase products.
- Apple (Apple Pay)coreIntegration allowing Moneybase cardholders to add cards to Apple Wallet for contactless payments on iPhone, Apple Watch, iPad, and Mac. Uses device-specific numbers and unique transaction codes for enhanced security.
- Google (Google Pay)coreIntegration enabling Moneybase card payments via Google Wallet on Android devices. Uses encrypted virtual account numbers to protect real card details during transactions.
- UBScoreUBS provides money market/cash funds through Moneybase platform. UBS is described as the world's leading only truly global wealth manager with USD 5.9 trillion in assets under management. Cash funds include EUR, USD, GBP, AUD, and CHF options with daily interest accumulation.
- SEPA (Single Euro Payments Area)coreSEPA participant enabling free bank transfers across 34+ countries in EU and EEA. Allows Moneybase users to make instant euro payments with no transfer fees.
- Moorwand LtdcoreCard-issuing partner providing Mastercard cards. Moorwand Ltd is FCA registered (Reference No 900709) and a Principal member of Mastercard International.
- Travel Brands (Booking.com, Qatar Airways, easyJet, Heathrow Express)minorTravel reward partners offering exclusive discounts and cashback for Moneybase Mastercard holders using the card for travel bookings.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Moneybase competitors and assessment
Company assessmentDirect peers
- N26: Berlin-based EU neobank with multi-currency accounts, cards, and trading partnerships — overlaps with Moneybase's consumer banking and payments core.
- Trading 212: UK/Bulgaria-based zero-commission multi-asset trading app with ISA/CFD accounts — comparable on retail trading UX and EU distribution for active investors.
- eToro: Israel/UK multi-asset platform with social trading, stocks/ETFs/crypto, and a Moneybase Mastercard-like card — comparable on multi-asset trading breadth and EU retail positioning.
- Bunq: Dutch EU neobank offering multi-currency accounts, business banking with payment approvals, and card products — directly comparable to Moneybase's personal and business banking stack.
- Revolut: London-headquartered EU neobank offering multi-currency accounts, SEPA/SWIFT payments, cards, investments, and business banking across 35+ countries — the most direct comparable on Moneybase's all-in-one consumer + business proposition.
- Wise: UK-listed cross-border payments specialist with multi-currency accounts and a multicurrency card; overlaps directly with Moneybase's FX, SEPA/SWIFT, and remittance product set.
- Trade Republic: Berlin-headquartered EU broker offering stocks/ETFs trading plus interest-bearing cash and savings products — directly comparable to Moneybase Invest's retail trading and cash funds offering.
Broad incumbents
- DEGIRO: Amsterdam-headquartered low-cost European broker (part of flatexDEGIRO) — comparable as a larger incumbent in EU multi-asset brokerage, though lacking Moneybase's payments and business banking layers.
- Interactive Brokers: US-listed global multi-asset broker with extensive market access and professional-grade tooling — a broader incumbent that competes with Moneybase Invest for active EU traders seeking broad market coverage.
Regional players
- Satispay: Italy-headquartered mobile payments network expanding across Southern Europe — relevant regional comparable for Moneybase's Mediterranean/Southern European consumer payment ambitions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Moneybase social profiles
Digital presenceMoneybase compliance and trust
Trust signalCompliance8 records
Moneybase financial estimates
Financial estimateRevenue estimate
Valuation estimate
Moneybase leadership team
Management profileNumber of profiles
Profiles2 records
Moneybase subsidiaries and ownership
Company hierarchySubsidiaries3 records
Moneybase funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Moneybase M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Moneybase
What does Moneybase do?
Moneybase is an all-in-one digital finance platform offering personal banking (multi-currency IBAN accounts, Mastercard debit cards, SEPA/SWIFT transfers, foreign exchange in 24 currencies), investment trading (20,000+ instruments including stocks, ETFs, bonds, and funds across 40+ global exchanges), and business finance tools (multi-user wallets, corporate cards, payment approval workflows, and Xero integration). It operates via a mobile app, web platform, and four physical branches in Malta, regulated by the Malta Financial Services Authority (MFSA).
When was Moneybase founded?
Moneybase was founded in 1971. It employs 11 to 50 people.
Where is Moneybase based?
Moneybase is headquartered in Birkirkara, Malta, in the Europe region.
How does Moneybase make money?
Five revenue lines are on record. Subscription - Business Plans are the primary driver. The others are payment Transaction Fees, investment Trading Fees, FX Conversion Spread and card Services.
Who are Moneybase's main competitors?
Direct peers on record are N26, Trading 212, eToro, Bunq, Revolut, Wise and Trade Republic. Broad incumbents are DEGIRO and Interactive Brokers. Satispay is listed as a regional player.
Does Moneybase have an API?
Yes. The Moneybase API provides developers functionality including the ability to get balances, get holdings, place orders and much more. Access to secret keys required for the API can be obtained from customer support. Documentation available at developers.moneybase.com. Developer documentation is at developers.moneybase.com/trading.
What industry is Moneybase in?
Moneybase's product category is Digital Banking. Its primary akta.pro industry code is FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P), with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 5221 and its SIC code is 6099.