# Dot Personal Banking App — Do banking with Dot

> Digital banking app for easy account setup, payments, and money management. (iPhone/iPad app by Dot Microfinance Bank Limited.)

- Source: https://appshunter.io/ios/app/dot-personal-banking-app/id1605176010 (this page in markdown: same URL + `.md`)
- Developer: [Dot Microfinance Bank Limited](https://appshunter.io/developer/1605176012)
- Category: Finance
- Price: Free
- Rating: 3.90/5 from 15 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 107 MB
- Languages: American English
- Released: 2022-03-24
- Data updated: 2026-08-21
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/dot-personal-banking-app/id1605176010/reviews.md

## What is Dot Personal Banking App?

Welcome to Dot Microfinance Bank, where managing your money is easy. Our mission is to provide financial services to everyone through technology, making banking a positive experience. With Dot, you'll discover a whole new way to handle your finances.

Key Features:

Quick account setup: Open a functional bank account within minutes, right from your phone. Send and receive money instantly, pay bills, purchase airtime, and earn points you can convert to cash, all from your mobile device.

Reliable debit card: Say goodbye to failed transactions. Easily request, activate, and control your debit card from the app.

Take your bank with you: Dot ensures safe and stress-free access to your money on the go. Handle everyday banking tasks while you're on the move.

Sign up today and enjoy a range of financial benefits.

What you'll enjoy:

Send and receive money: 
With Dot, you can send money to anyone who can receive it, along with instant notifications for incoming funds. More people are choosing Dot as their preferred payment method, whether it's paying for DSTV, GOtv, electricity, or anything else.

Reliable card: 
Request a Dot card for seamless online and offline transactions, and we'll deliver it right to your doorstep. No more visits to the bank.

Bank network monitor: 
Know the network status of the bank you're sending money to, and discover the best and worst times for transactions.

Schedule your transfers: 
Plan your transfers in advance and set them for your convenience.

Sleep like a baby: 
You work hard for your money, and we work even harder to keep it safe. Rest assured that your money is secure with Dot. In case your debit card is lost, you can block it in the app (and unblock it if you find it). Use Private Mode to hide your account balance, and reach out to us for help via in-app chat or messages anytime you need it.

Fully licensed and insured:

We're licensed by the Central Bank of Nigeria, and your deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC), giving you complete peace of mind.

Get started now:

Register an account and start transacting within minutes!

How to open an account:

Opening an account is easy. In less than 5 minutes, get an account that fits your financial needs, with or without a BVN. Simply download the app and follow the instructions.

Discover how to do life with Dot. Get started today!

## Key features

- Quick account setup
- Send and receive money
- Pay bills and airtime
- Reliable debit card management
- Bank network monitor
- Schedule transfers
- Secure access with private mode

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/dot-personal-banking-app/id1605176010/reviews.md

### 1/5 — I need to speak to an agent ASAP.

*2023-10-11, version 1.7.0*

At first, I liked the app, nice graphics and it seemed pretty easy so I even preached about it and advertised it freely to my family and friends. I’m sure now everybody hates me ! How can you decline a transaction and still debit me? No way to contact your agents to ask a for a refund or even take the bother of trying to refund my money, at least other apps do same. And then you allow me register without prior notification that I will have a limit of #500 per day transaction! How then do I pull my savings out if your app keeps rejecting my BVN TOO. I am not happy and I have nothing to do with your bank again. It might mean nothing to you, the money you withheld from me . But that’s my savings and I feel bad, because na me carry my hand download the app without proper enquiries. 👎🏻

### 5/5 — Smooth and reliable

*2022-06-30*

So far very happy with the service! Support quite fast too. Great job guys

**Developer response:** It is delightful to hear such positive words and it’s always a pleasure to serve our users.

### 5/5 — Really good app

*2022-04-05, version 1.0.3*

Pretty seamless onboarding and sign on. In app use is also intuitive

### 1/5 — BVN

*2022-04-01, version 1.0.2*

I’ve lost my BVN registered phone number, so I can proceed with it... you should collect details first before asking for BVN so that you’ll cross check if the person with the BVN is real and it will require a photo of valid means of identication.

### 1/5 — This is worst in terms of app development

*2022-04-01, version 1.0.2*

App really needs to be figured out. Can’t sign up with BVN it’s hitting an error, when you try to sign up without BVN it still hits a glitch. Needs fixing

## Frequently asked questions about Dot Personal Banking App

### How do I open an account with Dot?

Opening an account with Dot is quick and easy, taking less than 5 minutes directly from your phone. You can register with or without a BVN by downloading the app and following the instructions.

### Is Dot Personal Banking App secure?

Yes, Dot prioritizes security. Your money is insured by the Nigerian Deposit Insurance Corporation (NDIC), and you can block your debit card instantly in the app if lost. Private Mode is also available to hide your balance.

### What financial services does Dot offer?

Dot allows you to send and receive money, pay bills (like DSTV and electricity), purchase airtime, and manage a reliable debit card. You can also schedule transfers and monitor bank network status.

### Can I get a debit card with Dot?

Yes, you can easily request, activate, and control a reliable debit card directly through the Dot app. The card is delivered to your doorstep for seamless online and offline transactions.

### What is the bank network monitor feature in Dot?

The bank network monitor feature helps you check the network status of the bank you are sending money to. It also provides insights into the best and worst times for conducting transactions.

### How does Dot handle customer support?

You can reach out for help via in-app chat or messages anytime you need assistance. The app is designed to provide safe and stress-free access to your money.

### Is Dot Personal Banking App available on all devices?

Based on the provided data, Dot Personal Banking App is supported on iPhone and iPod devices. It is not explicitly mentioned if it is available on Android or other platforms.

### How often is Dot Personal Banking App updated?

The latest version of Dot Personal Banking App is 2.19.6, and it was last updated on March 31, 2026. This indicates a regular update schedule, ensuring the app remains current.

## Version history (last 5 releases)

### 2.20.2 — 2026-08-07

Bug fixes and improvements

### 2.20.1 — 2026-07-27

Nug fixes and improvements

### 2.20.0 — 2026-06-12

Bug fixes and improvements

### 2.19.7 — 2026-05-28

Bug fixes and improvements

### 2.19.6 — 2026-03-31

Bug fixes and improvements

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## More apps by Dot Microfinance Bank Limited

- [DOT HMO Mobile](https://appshunter.io/ios/app/dot-hmo-mobile/id1636647619)
- [Dot Business Banking App](https://appshunter.io/ios/app/dot-business-banking-app/id6740813229)

All apps by Dot Microfinance Bank Limited: https://appshunter.io/developer/1605176012

## Related topics

[dot personal banking app](https://appshunter.io/ios/topics/dot-personal-banking-app) · [dot business banking app](https://appshunter.io/ios/topics/dot-business-banking-app)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-21.*