Moniepoint Personal Banking

Moniepoint Personal Banking is a mobile banking app built for Nigerians who want fast, secure, and reliable control over their money. Open a bank account in minutes, send instant transfers, save smarter, and pay bills—all from one trusted banking app with no paperwork or branch visits required.

Manage your everyday finances with a complete digital banking experience. Send money and receive transfers with real-time alerts, pay electricity, TV, internet, and education bills directly from your phone, and buy airtime and data with up to 2% cashback. The app works online and offline—use *5573# to check your balance, send money, or block your card without an internet connection.

Choose savings options that match your goals and lifestyle. Save As You Transact automatically rounds up your spending into savings, Target Savings lets you work towards clear financial goals, Flexible Savings allows you to withdraw anytime, and Fixed Deposit locks your funds to earn more interest. All accounts are designed to help you stay disciplined and reach your financial targets faster.

Users aged 16–24 get unlimited free interbank transfers until they turn 25—a major benefit for students and young earners. Request your Moniepoint debit card in-app to use nationwide on ATMs, POS terminals, and online payments. Earn rewards through cashback, discounts, and special offers on qualifying transactions.

Your account is protected by bank-grade security and monitoring, licensed and regulated by the Central Bank of Nigeria, and insured by the NDIC so your savings are fully protected. Get help anytime with 24/7 in-app support to resolve issues, track disputes, and answer your questions.

Moniepoint Personal Banking combines the security of a traditional bank with the speed and convenience of a digital-first platform. Students, freelancers, NYSC members, young professionals, families, and business owners all benefit from smart savings tools, instant payments, and reliable account management. Download Moniepoint Personal Banking today and join millions of Nigerians banking smarter.