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backEvery time you complete a survey, leave a comment, or speak with our support team, we listen, and we act. Recently, we realised we haven’t shown you how we turned your feedback into valuable insights for new features.We are thrilled to share our Q1 2026 Product Update with you. From faster loans to cards that work everywhere, here is a comprehensive breakdown of everything we built for you in Q1.
Cards You Can Truly Control
You asked for cards that last longer, work on your favourite sites, and are easier to manage. We created one.
5-Year Expiry Dates: We’ve extended your card's validity from 3 years to 5 years.
Global Acceptance: Your Moniepoint cards are now fully usable on international sites, including Glovo, Google, Temu, Udemy, YouTube, and Netflix.
Total Control: You can now choose where your card works. Toggle access for Web, POS, or ATM directly from your app.
In-App Management: You can block your card, change your PIN, and control your spending limits right on your app.
Faster Delivery: Need a physical card? You can now get one delivered to your home within 48 hours, or pick one up instantly from any Moniepoint agent.
Savings That Work For Your Goals
Our research showed that 70% of you save towards specific goals. We revamped our savings plans to help you achieve your goals faster.
Target Savings: We've officially launched a plan dedicated to helping you save toward personal milestones.
Personalised Recommendations: Your savings dashboard now features tailored recommendations that suit your unique profile and financial activities.
Daily Interest Notifications: Watch your money grow! We’ve introduced daily notifications so you can see your interest accruing every single day.
Cashbacks & Better Rewards
You told us every Naira counts. We’ve overhauled our rewards system to put more money back in your pocket.
Unlimited Transfer Cashbacks. Airtime & data rewards and dining cashbacks for our 16-24-year-old users: An unlimited N10 cashback on all interbank transactions, 2% cashback on all airtime and data transactions (e.g., buy N500 airtime and get N10 back). Additionally, there is a 3.5% cashback on every data purchase and up to 10% cashback when you pay at select restaurants that use Moniepoint terminals.
Honeymoon Rewards for New Users: New personal banking customers get N10 cashback on their first 3 daily interbank transfers, and 10% cashback on their first weekly airtime and bill payments (valid for their first 90 days).
Bigger Referral Bonuses: We doubled our MFB referral reward from N4,000 to N8,000 for 6 months based on your referee's inter-bank transfers. Plus, via Monieworld, you can now refer friends in the UK and earn N10,000 once they complete at least £100 in transactions.
Business Reward Hub: Business owners now have a revamped dashboard that clearly shows which transactions are earning rewards and makes it easy to calculate their cashback.
Faster Payments & Bulletproof Reliability
When you send money or pay a bill, you need to know exactly what is happening.
Network Instability Alerts: During outward transfers, we now notify you in the transfer flow if the beneficiary bank's network is currently unstable, giving you the option to switch to a Moniepoint-to-Moniepoint transfer.
Clearer Transaction Status: If a beneficiary is not credited, you can now check the exact, detailed status of the transaction directly on your history page.
Biller Downtime Notifications: No more guessing if an electricity or TV provider is down. You can now request a notification to be alerted the second a biller's service is back online.
Revamped Airtime UX: We’ve reduced the number of steps to buy airtime or data. It now takes just 3 simple steps to buy for yourself and 4 steps to buy for others, along with a new feature that makes it easy to select recent beneficiaries.
Empowering Business Owners
Access to capital and operational control are the lifeblood of your business.
Simplified Business Loans: We completely overhauled the loan request journey, removing unnecessary steps to reduce the overall time it takes to apply.
Easier Guarantor Requirements: We noticed that many customers couldn't complete their applications due to strict guarantor rules. Now, business loans under N5 million require only one guarantor instead of two.
Direct Supplier Financing: Available to everyone in the app, you can now inform your loan officer to pay your suppliers directly, ensuring your shelves stay stocked.
POS Self-Service Reporting: Sick of waiting for support when your terminal acts up? You can now report hardware, software, or transaction issues and request a fix or a swap directly via the terminal itself, no phone calls required.
Smoother Access for Everyone
USSD Directory: For our offline and low-bandwidth users, we built a searchable, structured directory of USSD codes with step-by-step flows to make offline bill payments and transfers secure and frustration-free.
Smarter Onboarding: We’ve implemented real-time validation and assisted suggestions to prevent low-quality or fake address inputs during onboarding, significantly improving verification success rates.
Ready to experience the difference? We built these features because you asked for them. If you haven't used your Moniepoint app in a while, there has never been a better time to log back in and experience a faster, clearer, and more rewarding platform.
Update your app today on Google or Apple Play Store to see the difference for yourself. Thank you for helping us build a better Moniepoint!
