Banking on point

Spend, pay bills and manage your personal finance, just like over a million businesses - with a bank that always works.

Open an Account
Fully backed to fully bank you
Insured by
Regulated by
Over a million people trust us with their business finance

Open an account in 5 minutes

Step One

Download the app

Visit the Playstore or App Store to download the Moniepoint app and get started.

Step Two

Sign up

Provide your email and phone number and verify your phone number with an OTP.

Step Three

Verify your details

Select username & password. Provide your BVN and KYC details and start face & ID verification.

Step Four

Enjoy seamless banking

Fund your account and make transactions - transfer, buy airtime or pay bills.

Everyone says they’re
“revolutionising” banking.
We just offer you a
Bank that works.
Pay with transfer at our
merchants without charges
Need to pay some bills, pay a business or send money to a friend? Moniepoint transfers go through every time. We mean it.
Better fees, faster network. Pay at all your favourite businesses
with the banking solution that they trust.
A banking experience you control

Manage your finance from your mobile phone. Make transfers, pay your bills, and purchase airtime, all with the touch of a button.

No more failed card transactions

Request a debit card and have it delivered in under 72hrs. Activate from your mobile phone, and never experience a failed card payment again.

Manage your Money

Save, request a salary advance, and get insight on your spending, all with your Moniepoint account.

Enjoy secure Banking, with round
the clock
As secure as you expect.

Moniepoint uses up-to-date cybersecurity technology to protect your information and prevent unauthorised use

Protection and peace of mind

Your funds are insured for up to N250,000 by the Nigerian Deposit Insurance Corporation.

Anytime, anywhere, support

We’re always here to talk. Reach our support team however you need to - by phone, email, in the app, or check out the Help Center.


How can I open a savings account with your bank?

To open a savings account, simply download the Moniepoint Personal Banking app to get started and follow the prompt.

What is the minimum initial deposit required to open a savings account?

Opening an account with Moniepoint is free. There is no initial deposit required. .

Does the Moniepoint Personal Bank Account have a minimum balance requirement?

No, there is no minimum balance required.

Are there any monthly maintenance fees associated with the savings account?

No, there are no monthly maintenance fees or charges.

Are there any restrictions or penalties for withdrawing money from my account?

No, you can withdraw your money as many times as you like.

Can I set up automatic transfers or direct deposits into my savings account to help with saving?

Yes, you can typically set up automatic transfers or direct deposits into your Moniepoint savings account to help with your savings goals. This can be a convenient way to save regularly.

What are the options for receiving statements and monitoring account activity?

Account statements and activity are available through our online banking, mobile apps, email statements, and SMS channels.

Is my money safe with Moniepoint?

Moniepoint Microfinance Bank is authorized and regulated by the Central Bank of Nigeria to offer banking services. Deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC).

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