Moniepoint Personal Banking

Moniepoint

KEY FEATURES OF MONIEPOINT PERSONAL BANKING

About this app

Looking for a fast, reliable online banking app in Nigeria? Moniepoint Personal Banking gives you instant money transfers, free virtual cards, affordable physical debit cards, and high-yield savings accounts designed for your everyday lifestyle.

Join millions of Nigerians who trust Moniepoint for smart, secure mobile banking.

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KEY FEATURES OF MONIEPOINT PERSONAL BANKING

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Instant & Reliable Money Transfers

• Enjoy fast money transfers with 99.9% uptime that never leave you stranded.
• Send money seamlessly to any commercial bank, microfinance bank, or mobile money wallet in Nigeria.
• Zero-fee monthly transfers for eligible young adults and students (ages 16–24).
• Get instant debit and credit transaction alerts directly on your phone.

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Free Virtual Cards & Instant Physical Debit Cards

• Free Virtual Cards:
- Generate a secure virtual card in 1 minute with ₦0 issuance fee.
- Enjoy 100% free card maintenance with zero monthly or annual fees.
- Shop safely online, pay for digital subscriptions, and manage web checkouts with ease.
• Physical ATM Debit Cards:
- Get a durable physical debit card for only ₦1,000.
- Fast Doorstep Delivery: Delivered directly to your home within 48 hours for just ₦1,700.
- Free Agent Pickup: Collect your card instantly from any Moniepoint sales agent close to you.
- Works seamlessly across all ATMs, POS terminals, and web checkouts nationwide.
- In-App Controls: Freeze, unfreeze, reset PIN, and set spending limits with one tap.

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High-Interest Savings & Daily Returns

• Earn up to 20% annual interest on your savings with daily interest alerts.
• Save As You Transact (SAYT): Automatically save a percentage every time you spend or transfer money.
• Target Savings: Build disciplined savings funds for house rent, school fees, or personal goals.
• Flexible Savings: Save for emergencies and withdraw anytime.
• Fixed Deposit Accounts: Lock funds securely and lock in guaranteed high returns.

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Offline USSD Banking (*5573#)

• Bank without data or an internet connection.
• Dial our *5573# USSD banking code from any mobile phone to transfer money, buy airtime, and check account balances anytime.

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Airtime, Data & Utility Bill Payments

• Pay electricity bills, cable TV subscriptions (DStv, GOtv, StarTimes), and internet data bundles in seconds.
• Recharge airtime across all major networks (MTN, Airtel, Glo, 9mobile) with instant cashback rewards.

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Salary Accounts, Student Banking & Quick Credit

• Open a salary account and receive payments with zero delays.
• Access quick emergency cash and flexible overdraft solutions.
• Tailored for students, NYSC corps members, freelancers, and salary earners.

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SAFE, SECURE & FULLY REGULATED

🔒 Bank-Grade Security & Deposit Protection
• Moniepoint Microfinance Bank is fully licensed by the Central Bank of Nigeria (CBN).
• All customer deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC).
• Protected with biometric fingerprint/facial login, 2FA, and 24/7 automated fraud monitoring.

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24/7 CUSTOMER CARE & SUPPORT

We are always available to help you with your account:
• In-App Live Chat: Available 24/7 directly within the app
• Helpline: 01 888 9990
• Website: www.moniepoint.com
• WhatsApp: [phone]
• Social Media: @moniepointmfb
• Address: Plot 7A, Block 4, Admiralty Road, Lekki Phase 1, Lagos, Nigeria


Download Moniepoint Personal Banking today — the smart online bank that works when you need it!

Ratings and reviews

Moniepoint knows how to be better. I love the fact that its always getting better with upgrades. No doubt moniepoint is made for the people. I want to suggest that perhaps the acount balance grey backgroud can be made blue so that it portrays the brand colour and allow anyone who sees it know that its moniepoint's app. Unlike the present colour that its only people who use the app that knows its moniepoint. I look forward to the change. All in all, Weldone developers!

Excellent Banking App! Moniepoint has made banking fast, easy, and reliable. Transfers are processed almost instantly, the app is user-friendly, and I rarely experience downtime. The security features give me confidence that my money is safe, and customer support is responsive whenever I need help. I also love the seamless bill payments and airtime purchases. Overall, it's one of the best banking apps I've used. Highly recommended!

Moniepoint is a good banking platform. However, It's always very difficult to login one's account on a new device. You just have to keep smiling and laughing like a mad man. 😀 Why not change the settings to pictures only, instead of asking someone to smile. This process takes so long before the App will capture one's face. It's so frustrating sometimes. The whole process start all over if someone moves the face elsewhere. Till now, I'm still unable to login to my account. Do something about it.

What’s new

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!