Moniepoint Personal Banking – Smart Online Banking for Nigerians
Take control of your money with Moniepoint Personal Banking, the modern online bank built for Nigerians who want fast, secure, and reliable banking.
Whether you’re opening your first bank account or switching from another bank, Moniepoint gives you a powerful mobile banking experience that lets you send money, save smarter, pay bills, and manage your finances from one trusted banking app.
From students and young professionals to families and business owners, Moniepoint is the bank that grows with you.
Your Everyday Online Bank, Right in Your Pocket
Moniepoint is more than a regular banking app — it’s a complete digital bank designed to make everyday payments and savings easy and dependable.
With your Moniepoint bank account, enjoy seamless online banking, mobile payments, and secure access to your money anytime, anywhere in Nigeria.
What you can do with the Moniepoint Personal Banking App
Open a bank account instantly
Create your Moniepoint personal bank account in minutes with no paperwork or branch visits.
Send money & receive transfers fast
Make instant bank transfers with real-time alerts for every transaction.
Unlimited free interbank transfers for ages 16–24
If you’re between 16 and 24 years old, enjoy free transfers until you turn 25 — perfect for students and young earners.
Save smarter and grow your money
Choose savings options that fit your lifestyle:
Save As You Transact (SAYT) – save automatically as you spend.
Target Savings – save towards clear goals.
Flexible Savings – withdraw anytime.
Fixed Deposit – lock funds and earn more
All plans are designed to help you stay disciplined and reach your financial goals faster.
Pay bills easily
Pay electricity, TV, internet, betting, education, and government bills from your phone.
Buy airtime & data
Recharge and enjoy up to 2% cashback on purchases.
Get your Moniepoint debit card
Request your bank card in-app and use it nationwide on ATMs, POS, and online payments.
Secure online banking
Your data and transactions are protected with bank-grade security and monitoring.
24/7 in-app support
Resolve issues, track disputes, and get help whenever you need it.
Bank without internet
Use *5573# to check balance, send money, or block your card offline.
Earn rewards
Enjoy cashback, discounts, and special offers through Moniepoint Rewards.
Why Nigerians Choose Moniepoint
Licensed and regulated by the Central Bank of Nigeria (CBN)
Insured by the NDIC — your savings are protected
Trusted by millions across Nigeria
Reliable for payments, savings, and transfers
Built for personal banking and everyday use
Moniepoint combines the security of a traditional bank with the speed of a digital-first online bank.
How to Open Your Moniepoint Bank Account
- Download the Moniepoint Personal Banking App
- Sign up and verify your details in under 5 minutes
- Start banking instantly. No queues. No paperwork.
Built for Young Nigerians & Digital Natives
Whether you’re a student, NYSC member, freelancer, or first-time account holder, Moniepoint makes banking easy to understand and even easier to use.
With free transfers for users aged 16–24 and smart savings tools, Moniepoint is the perfect mobile banking app for the next generation.
Stay Connected
Helpline: 01 888 9990
Website: www.moniepoint.com
WhatsApp: +234 908 843 0803
Instagram, Facebook, X, YouTube: @moniepointmfb
Address: Plot 7A, Block 4, Admiralty Road, Lekki Phase 1, Lagos, Nigeria
Download Moniepoint Personal Banking Today
Join millions of Nigerians using Moniepoint to send money, save smarter, pay bills, and manage their bank accounts with ease.
Moniepoint — your trusted online bank for a better financial life.