Monitiva

Pay in your destinations like a local, without becoming one.

From your home balance.
No local bank accounts needed.

Beta · November 2026 · Waitlist open
Pay in Mexico
Electricity billJun 1 · Bill payment
~$285CADMX $4,118

Multiple destinations.
One financial home.

Choose the countries where you make payments. Everything else stays inactive.

Live destination

México

Pay local bills, send to any local account, and withdraw cash at retail stores. Everything you need to handle property, family obligations or your snowbird season — paid directly from your CAD balance.

  • Bill PaymentSettled via SPEI to reference numbers.
  • Local PaymentDirect to CLABE
  • Cash PickupAt retail · when you arrive

Coming soon

  • PortugalSEPA + Multibanco + MB Way
  • SpainSEPA transfers
  • ColombiaPSE + Nequi transfers + Bre-B
  • BrazilPIX transfers

Your balance lives local.
Your payments land there.

Your funds stay in Canada until the moment you pay. Conversion and payment are processed together, so your balance never sits abroad.

Your Origin

Your CAD balance,
safeguarded in Canada

Held with a licensed Canadian financial partner. Your balance stays home until the moment you pay.

Your balance

$ 2450.00

CAD · Trust Account · Secured

Your Destination

Three ways to pay
your destination

Each one matches a real need.

  • Bill PaymentPay CFE, predial, internet, water bill.
  • Local PaymentPay fideicomiso fees, contractors, landlord, insurance.
  • Cash PickupPick up cash at thousands of retail locations across Mexico.

See exactly what your payments cost.

No surprises. Just the all-in cost from your CAD balance, exchange rate included.

Bill Payment - CFE

CFE, predial, property manager, internet, water bill.

Pay in Mexico

FX — MXN/CAD

Cost from your CAD

CAD
  • All-in
  • Sent in seconds

No subscriptions. No monthly fees.

Four profiles, one destination.

Pick the one that's yours and we'll show you exactly how Monitiva fits.

Remote property owner managing payments in Mexico

Registered. Supervised. Safeguarded.

They're safeguarded through a trust arrangement, as required by the Bank of Canada's Retail Payment Activities Act.

Operated within a framework of four regulated institutions

Join the priority list.

Closed beta opens November 2026. First in, first served.

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