Monterra is a strategic holding, incubation, and M&A group focused on building, acquiring, and scaling fintech, embedded finance, payments, and regulated financial infrastructure businesses across Europe, Switzerland, the UK, and emerging markets.
Monterra is a holding, incubation, and M&A group. We build fintech businesses from the ground up, acquire regulated financial infrastructure companies, and scale them across Europe, Switzerland, the UK, and emerging markets.
We are not a consultancy, an accelerator, or a fund. We are operators and long-term owners who take governance seriously and build for durability.
We identify and acquire regulated fintech, payments, and embedded finance businesses with strong fundamentals and clear growth trajectories.
We incubate financial infrastructure businesses from inception — providing capital, infrastructure, and governance to take regulated ideas to market.
We bring capital, governance, and strategic support to help each entity expand into new markets, deepen regulatory relationships, and build lasting competitive advantage.
To be the defining incubation and acquisition group for regulated financial infrastructure across Europe, Switzerland, United Kingdom and MENA.
Long-term capital and ownership. We provide patient, committed capital to the businesses we build and acquire — with no pressure for premature exits.
Governance and compliance infrastructure. We embed institutional-grade governance frameworks into every entity from day one — covering regulatory compliance, risk management, board oversight, and financial reporting.
Strategic M&A and deal execution. We identify, evaluate, and acquire regulated fintech and financial infrastructure businesses through disciplined, proprietary deal sourcing.
Financial Infrastructure Focus. Our group is built around the infrastructure layer of financial services: payment rails and networks · embedded finance and banking-as-a-service · digital wallets and cash access · cross-border payments and settlement · regulatory licensing and compliance · core banking and financial APIs.
A clear ownership lineage from parent entity through to each regulated portfolio company.
Four interconnected disciplines define how Monterra builds, acquires, governs, and scales regulated financial infrastructure businesses.
We build regulated financial businesses from the ground up — providing founding capital, operational infrastructure, regulatory guidance, and governance frameworks from day one.
We identify, evaluate, and acquire regulated fintech and financial infrastructure businesses through disciplined, proprietary deal sourcing — prioritising governance-ready management and proven unit economics.
Board-level oversight, risk management, and regulatory compliance embedded into every entity — ensuring institutional credibility, transparent reporting, and long-term operational integrity.
We provide shared infrastructure, strategic support, and cross-portfolio synergies — helping each entity access payment rails, licensing pathways, banking relationships, and new markets efficiently.
SEPA Cyber Tech has rebranded as Finhub and launched a full-suite financial platform offering core banking, multi-currency accounts, card issuing and payment processing across SWIFT, SEPA and ACH networks.
Read More →Sonect's free cash-access solution has expanded across Italian lottery terminals and is now primed for the UK market, enabling cash withdrawals through retail points without traditional ATMs.
Read More →Watch how Sonect's shared cash-access network operates across thousands of retail locations, enabling instant withdrawals, deposits and peer-to-peer cash transfers without traditional ATMs.
Watch Now →Whether you are an investor, an acquisition target, a potential partner or a candidate — we welcome direct, substantive conversations.
Our group headquarters are in London, UK and Zurich, Switzerland. We maintain offices and team members across our portfolio company locations in Europe, MENA and Africa.
This Cookie Policy explains how Monterra ("we", "us" or "our") uses cookies and similar tracking technologies when you visit our website at monterragroup.net. It should be read alongside our Privacy Policy.
By continuing to browse this site, you consent to the use of cookies in accordance with this policy. You may withdraw or adjust your consent at any time using the preferences panel below.
Cookies are small text files placed on your device by websites you visit. They are widely used to make websites work efficiently, to remember your preferences, and to provide information to website owners. Cookies may be session cookies (deleted when you close your browser) or persistent cookies (which remain on your device for a set period or until deleted).
| Category | Purpose | Basis |
|---|---|---|
| Strictly Necessary | Enable core website functionality — navigation, security, session management, and load balancing. The site cannot function properly without these. | Always active — no consent required |
| Preferences | Remember choices you have made (e.g. cookie consent status, language, display settings) so they persist across visits. | Consent |
| Analytics | Help us understand how visitors interact with the site — which pages are visited, how long sessions last, and where visitors come from. Data is aggregated and anonymised. | Consent |
| Marketing | Used to deliver relevant content and measure the effectiveness of communications. We do not currently use marketing cookies on this site. | Not in use |
| Cookie Name | Type | Duration | Purpose |
|---|---|---|---|
| cookie_consent | Preference | 12 months | Stores your cookie consent choice ("all" or "necessary") to avoid prompting on every visit. |
| _ga | Analytics | 2 years | Google Analytics — distinguishes unique users by assigning a randomly generated number as a client identifier. |
| _ga_* | Analytics | 2 years | Google Analytics 4 — used to persist session state. |
| _gid | Analytics | 24 hours | Google Analytics — distinguishes users across sessions within a single day. |
We may use third-party services that set their own cookies. These services include:
We do not use social media tracking pixels, advertising networks, or retargeting cookies on this website.
You may manage your cookie preferences at any time using the options below. You can also control cookies through your browser settings — most browsers allow you to refuse cookies, delete cookies already stored, or be notified when a cookie is set. Please note that disabling certain cookies may affect the functionality of this website.
Cookies are retained only for the duration specified in the table above. Analytics data collected via Google Analytics is retained for a maximum of 26 months before automatic deletion.
We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our data practices. When we make material changes, we will update the "Last updated" date at the top of this document. We encourage you to review this policy periodically.
If you have any questions about our use of cookies, please contact our Data Protection team at privacy@monterragroup.net or write to us at: Monterra, Rue du Rhône 14, 1204 Geneva, Switzerland.
Your current preference: —