# Moniepoint

> Moniepoint is a financial services platform providing retail banking, business banking, merchant point-of-sale (POS) systems, working capital loans, offline banking, debit cards and payments infrastructure across emerging markets.

## Business Banking & Operations

- [Business Banking Account](https://moniepoint.com/ng/business): Offers fully registered business bank accounts for SMEs to send and receive payments, access working capital loans, get a reliable POS terminal with 99.9% uptime, and separate business from personal finances.
- [CAC Business Name Registration](https://moniepoint.com/ng/cac-business-name-registration): Enables business owners to apply for and complete Corporate Affairs Commission (CAC) business name registration directly within the Moniepoint app.
- [Point of Sale (POS) Terminals](https://moniepoint.com/ng/business/point-of-sale-terminal): Delivers portable physical hardware for accepting card payments and bank transfers with instant on-terminal receipt confirmation without needing app access, enjoying instant account settlement and 48-hour doorstep delivery.
- [Moniebook](https://moniepoint.com/moniebook): Provides a POS and business management software suite for inventory control, automated bookkeeping, and multi-location retail tracking.
- [Expense Cards](https://moniepoint.com/ng/business/expense-card): Issues business debit cards ordered directly on the app with 48-hour doorstep delivery or local agent pick-up, featuring virtual card options and secure app-only credential access.

## Personal Banking & Cards

- [Personal Banking Account](https://moniepoint.com/ng/personal): Provides individual users with high-reliability bank accounts for instant fund transfers, bill payments, airtime top-ups, and debit card access.
- [Instant Debit Cards](https://moniepoint.com/ng/personal/instant-debit-card): Offers Verve physical debit cards ordered via the app with 48-hour doorstep delivery or agent pick-up, as well as instant free virtual cards for tap-to-pay and online payments across 100,000+ merchants with Enhanced card security by keeping sensitive card numbers, names, and CVVs strictly hidden on physical cards and accessible only within the Moniepoint app.
- [USSD Banking (*5573#)](https://moniepoint.com/ng/moniepoint-ussd): Enables offline financial services over feature phones via *5573# for balance inquiries, transfers, airtime top-ups, and emergency account blocking.

## Wealth Management & Savings Plans

- [Business Savings Plans](https://moniepoint.com/ng/business/savings): Offers a diverse range of flexible and fixed savings options allowing SMEs to earn high-yield interest on idle operational reserves and corporate capital.
- [Personal Savings Plans](https://moniepoint.com/ng/personal/savings): Offers a diverse range of flexible and fixed savings options for individuals to save toward personal goals and automated targets backed by high competitive interest rates and NDIC insurance.
- [Save As You Transact (SAYT)](https://moniepoint.com/ng/savings/save-as-you-transact): Earns 10% annual interest by automatically setting aside a customized fixed amount or percentage from selected or all debit transactions.
- [Flexible Savings](https://moniepoint.com/ng/savings/flexible-savings): Yields 10% annual interest with full flexibility to configure deposit schedules and amounts, featuring instant penalty-free withdrawals at any time.
- [Target Savings](https://moniepoint.com/ng/savings/target-savings): Provides 12% annual interest for goal-driven savings, offering customizable schedules with penalty-free access to up to 50% of savings once before maturity.
- [Fixed Savings](https://moniepoint.com/ng/savings/fixed-deposit): Delivers up to 20% annual interest on long-term lump-sum deposits with the option to collect interest upfront or upon maturity.

## Credit Services

- [Working Capital Loans](https://moniepoint.com/ng/business/working-capital-loans): Grants collateral-free business loans, overdrafts, and inventory financing with flexible repayment tenures for registered merchants.


## Corporate, Careers & Compliance

- [Careers at Moniepoint](https://moniepoint.com/careers): Lists global open job positions, engineering roles, organizational culture, and career opportunities across Moniepoint's engineering, operations, and business teams.
- [Moniepoint Microfinance Bank](https://moniepoint.com/ng/mfb): Serves as the regulated banking entity licensed by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC).
- [Security & Compliance Platform](https://moniepoint.com/ng/security): Houses PCI-DSS certifications, privacy policies, anti-fraud controls, and regulatory verification standards protecting customer assets.