How to transfer funds between wallets

Who this is for: Operators who want to move money between wallets they control — their operator wallet, their accounts' wallets and, for main operators, their sub-operators' wallets. Use it to correct a billing mistake, move a balance that landed on the wrong account, or add a small credit. This feature is called operator adjustment transactions.

Before you start: This feature is enabled by Monta on request. If you don't see New or Transfer funds on the Adjustments page, contact your Monta contact or support to have it turned on for your operator.

What you can transfer

You can move funds in four directions:

The accounts can belong to your operator or to any of your sub-operators. Operator → Operator moves funds between your operator wallet and a sub-operator's wallet. A sub-operator can't move funds to or from its main operator's wallet or accounts.

Adjustments are meant for small corrections and credits, not large or routine payouts. Transfers complete immediately, so check the details before you confirm.

Before you begin

• Your operator must have operator adjustment transactions enabled (see the note above).
• You enter the amount in your operator wallet's currency.
• Every transfer, in any direction, counts against two limits set for your operator: a maximum amount per transfer and a maximum number of transfers per month. You can see both at the top of the Adjustments page.
• Limits are usually modest because the feature is meant for correcting errors. Your operator's exact limits may differ.

How to make a transfer

1. In Hub, go to Finance → Adjustments.
2. Select New.
3. Under Direction, choose Operator → Account, Account → Operator, Account → Account or Operator → Operator.
4. Choose where the money comes from and where it goes:
   • Operator → Account or Account → Operator: select the Account.
   • Account → Account: select the From account and the To account.
   • Operator → Operator: select the From operator and the To operator.
5. Enter the amount.
6. (Optional) Add a note describing the reason. The note is shown on both wallets.
7. Review the preview, which shows what both wallets hold now and after the transfer.
8. Select Transfer funds.

You'll see a confirmation once the transfer is complete. The funds are available in the receiving wallet right away.

Tip: A new transfer can take a few seconds to appear in the History list. If you don't see it, refresh the page after 10–20 seconds.

Reviewing past transfers

The Adjustments page shows:

• Transferred this month — the total moved so far this month in your operator wallet's currency.
• Adjustments this month — how many transfers you've made, in all directions, against your monthly limit.
• Per-transaction limit — the maximum amount allowed in a single transfer.

The History table lists transfers in every direction, with the transaction type, from, to, amount, status, note and who made it. You can search and export this list.

Good to know

• Operator → Operator needs enough funds. The wallet you move money from must hold the amount, or the transfer is rejected.
• Your operator wallet can go negative on Operator → Account. A transfer from your operator wallet to an account isn't blocked if it's more than the wallet holds, so check your balance first.
• There's no undo. To reverse a transfer, refund the transaction or make a transfer in the opposite direction. Each time you confirm creates a new transfer.
• If you reach your monthly limit or go over the per-transfer limit, the transfer is rejected. Contact your Monta contact if you need your limits changed.
• Transfers from an account to your operator wallet made before 30 September 2026 don't appear in the Adjustments history. They still show in your operator wallet's transactions.