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ExpressPay vs Monobank
ExpressPay and Monobank are both payment receiving platforms. On a $1,000 payment you keep about $975–$985 on ExpressPay and $990 on Monobank, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $975–$985 on ExpressPay and $990 on Monobank, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only ExpressPay offers Mobile money. Only Monobank offers Card-to-card and ATM.
- ExpressPay is the older platform — founded in 2012, 5 years before Monobank (2017).
- ExpressPay is based in Ghana, Monobank in Ukraine.
Which should you choose?
Choose ExpressPay if…
- You want to withdraw via Mobile money.
- You prefer a long track record (since 2012).
Choose Monobank if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via Card-to-card and ATM.
Side by side
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ExpressPay
Collect payments via cards and all mobile-money networks.
Visit
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Monobank
Open a sole-proprietor account to receive client payments, including SWIFT and SEPA.
Visit
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Transfer fees capped ~GHS 10, merchant 1.5-2.5% | Free P2P own funds, ~1% to foreign cards |
| Withdraw via | Mobile money, bank transfer | Card-to-card, bank transfer, ATM |
| Availability | Ghana | Ukraine |
| Local to | Ghana | Ukraine |
| Founded | 2012 | 2017 |
| Headquarters | Accra, Ghana | Kyiv, Ukraine |
| Popularity | 43 views · 0 likes | 39 views · 0 likes |
Frequently asked questions
Which is cheaper, ExpressPay or Monobank?
On a $1,000 payment you keep about $975–$985 on ExpressPay and $990 on Monobank, before withdrawal or currency-conversion costs.
Where are ExpressPay and Monobank available?
ExpressPay: Ghana. Monobank: Ukraine.