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Monica - Pay, Send, Bills

Monica - Pay, Send, Bills

Everything Money and Bills

15K ratings
359 reviews
💰 Finance
Free

Details

Released
March 17, 2023
Updated
June 22, 2026

Features

Developer

MONICA TECHNOLOGIES LIMITED
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About

Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.

✓Tag & Scan to Pay
✓Shop with Discounts
✓Pay Bills with Ease
✓Virtual Dollar Card
✓Free Bank Withdrawals
✓Send Money Instantly
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What users say about Monica

Reviews of Monica are mixed: the Finance app is rated 4.6/5 from 15K App Store ratings. What users like most: fast and reliable, trusted and secure. Top complaints: withdrawal issues, poor customer service. Summarized from real user reviews.

Positive things

  • 🚀Fast and reliable
  • 💯Trusted and secure
  • 👍User-friendly interface
  • 💰Good exchange rates

Negative things

  • 🐛Withdrawal issues
  • 🤖Poor customer service
  • 💰High transaction fees
  • 🔒Account access problems
See all reviews

What's New in Monica

85.8

June 22, 2026

- Statement of Account. - Shake to Transfer. - Automated instant bank settlement. - New improved user interface. - Faster load time. - Improved security/compliance (SEC). - Faster bank transfers. - Improved Liveness capture. - Major bug fixed.

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User reviews

Most RecentHighest RatedLowest Rated

I have been trying to get my money and you guys are still holding it

What going on with you guys
KKarriesann

Disappointed

Monica you guys are useless I tried to withdraw since I haven’t seen my money and I did it twice two different withdrawals to different banks I haven’t received even one
It’s over 24 hours now so bad
IMI hate Monica

Accounts lost

Is so bad that if you lost your account it can’t be reactivated because the NiN and bvn can’t be used twice then how can someone have another account when facing all this problem
CChikamso7265

Israel

Hello this is Israel I have been using this app since 2024 and it’s the best app to receive bitcoin, fast and reliable so now I’m having some issues on my login which is the 2FA Google auth verification code and I don’t see it on my phone again since I change it so I just need help now to disable the 2FA since Saturday so that I can be able to login
Show more
SStone7644

Good

Good
OOlaniyi22
See 354 more reviews

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(2)

Free
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User experience

🐞

Reported Bugs

4 issues

Delayed fund transfers

Bug

Wallet address changes without notice

Bug

App crashes and freezes

Bug

Incorrect transaction amounts

Bug
✨

Requested Features

4 requests

Expand bank transfer options

Feature

Improve in-app notifications

Feature

Add multi-currency support

Feature

Enhance security features

Feature

FAQ

What does Monica do?

Monica is a comprehensive financial companion designed to simplify your spending and personal money management. It allows you to pay bills, send money instantly, shop with discounts, and manage your finances on the go.

What are the key features of Monica?

Key features include Tag & Scan to Pay, shopping with discounts (5% on airtime and 1000+ gift cards), easy bill payments for utilities, instant money transfers within the network, a virtual dollar card for global shopping, and free bank withdrawals.

Is Monica free to use?

Based on the provided information, the app is free to use. There are no mentions of subscription fees, paid features, or in-app purchases, and it does not appear to be ad-supported.

How does Monica ensure security?

The app emphasizes top-notch security to ensure your funds are super secure. It facilitates instant and reliable transactions, allowing you to manage your money with peace of mind.

What are common use cases for Monica?

Common use cases include paying electricity and data bills, sending money to friends or family, making purchases with discounts, shopping internationally using the virtual dollar card, and topping up betting wallets.