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Personal Accounts

Banking on point.

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

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Why you should get a Moniepoint Personal Account

Get started

Pay with transfer without charges

Better fees, faster network. Pay at all your favourite businesses with the banking solution that they trust.

Pay with transfer without charges

No more failed card transactions

Get a debit card in 48 hours, activate it on your app, and enjoy hassle-free payments.

No more failed card transactions

Manage your Money

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

Manage your Money

A banking experience you control

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

A banking experience you control

Open an account in 5 minutes

Download the appSign upVerify your detailsEnjoy seamless banking

  • 1

    Download the app

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

  • 2

    Sign up

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

  • 3

    Verify your details

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

  • 4

    Enjoy seamless banking

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

Other Benefits

Enjoy secure Banking, with roundthe clock support

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.

Frequently Asked Questions

To open a savings account, simply download the Moniepoint Personal Banking app to get started and follow the prompt.
Opening an account with Moniepoint is free. There is no initial deposit required.
No, there is no minimum balance required.
No, there are no monthly maintenance fees or charges.
No, you can withdraw your money as many times as you like.
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.
Account statements and activity are available through our online banking, mobile apps, email statements, and SMS channels.
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).