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: +234 908 843 0803
• 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!