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Monibac

Monibac

Get access to loans on Monibac

61 ratings
23 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • June 1, 2023
  • December 2, 2025

Features

Developer

Prime Zone Limited
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About

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

✓Collateral-free loans
✓Earn interest on savings
✓Loans up to 150% of savings
✓Transparent loan terms
✓Monthly repayment reminders
✓Lock savings for interest
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What's New in Monibac

1.6.4

December 2, 2025

Group savings bug fix

User reviews

Most RecentHighest RatedLowest Rated

My money

Why can I withdraw my money
This project is a scam please avoid it
Calcium111Calcium111

Scam!!!!

Why can’t I withdraw my money ???? I have been trying for weeks now and it’s not working!!!!!
I need my money back!!!
bug veeebug veee

Fishy

What is all this why can’t I send to any other back on Monibac user it is unacceptable do something about it
WilonsjoyWilonsjoy

Unable to make withdrawal

Thought of saving for the future due to the high rates of interest but afterwards I tried to withdraw my money from the account but was unable after several days and weeks. Customer support don’t exist. I won’t recommend anyone to download it 🤦🏽😡😡
CouncileCouncile

Possible fraud

I sent money to another Monibac account and was debited without crediting the other account , and I can’t even contact any customer care
Sammy21212Sammy21212
See 18 more reviews

FAQ

What does Monibac do?

Monibac is a finance app that provides users with access to collateral-free loans and allows them to save money while earning interest. Users can easily deposit, withdraw funds, and receive reminders for loan repayments.

How can I get a loan from Monibac?

To be eligible for a loan, you must be over 18, live in Nigeria, and have saved on the platform for at least three months. After three months, you can request a loan of up to 150% of your total savings. Loan approval involves completing KYC documents and e-signing an agreement.

What are the costs associated with Monibac?

There are no charges on deposits or loans. The app offers loan interest rates based on tenure, with 9% for 90 days and 15% for 180 days. The APR ranges from 30.4% to 36.5%.

What are the eligibility requirements for Monibac?

To use Monibac, you must be over 18 years old, reside in Nigeria, and have maintained savings on the platform for a minimum of three months. These criteria ensure responsible lending and access to financial services.

How does saving work on Monibac?

You can save money on Monibac and earn interest. For example, saving for 3 months yields 3% of your savings, while saving for 6 months yields 5%. You can also lock your savings for specified periods to earn additional returns.