# Moniepoint Personal Banking — Savings account \| Send money

> Nigerian digital bank for savings, payments, and money transfers. (iPhone/iPad app by Moniepoint.)

- Source: https://appshunter.io/ios/app/moniepoint-personal-banking/id6452756675 (this page in markdown: same URL + `.md`)
- Developer: [Moniepoint](https://appshunter.io/developer/1673683607)
- Category: Finance, Business
- Price: Free
- Rating: 4.60/5 from 30,375 App Store ratings · 465 written reviews indexed
- Age rating: 17+
- Requires: iOS 14.0 · 266 MB
- Languages: American English
- Released: 2023-08-08
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moniepoint-personal-banking/id6452756675/reviews.md

## What is Moniepoint Personal Banking?

Moniepoint Personal Banking App – Your Trusted Online Bank in Nigeria

Open a Moniepoint bank account and enjoy secure online banking from anywhere in Nigeria. With the Moniepoint Personal Banking app, you can send money instantly, receive payments, pay bills, buy airtime, and manage your savings account — all in one reliable mobile banking app.

Experience modern digital banking that gives you control of your money. Moniepoint is the online bank made for your progress.

◉ YOUR ALL-IN-ONE ONLINE BANKING SOLUTION
Moniepoint is more than a regular banking app — it’s a complete mobile payment app designed to make personal banking simple. With your Moniepoint bank account, you can manage your money, savings, and bills anytime, anywhere.

Here’s what you can do with the Moniepoint Personal Banking App:

- Open a bank account instantly – create your Moniepoint personal bank account in minutes and start banking online right away.

- Send and receive money fast – enjoy reliable mobile payments and transfers with instant notifications.

- Earn up to 18% interest per annum – grow your savings easily with flexible, fixed, or locked savings plans that match your goals.

- Pay bills conveniently – handle electricity, TV, and internet payments from your phone in seconds.

- Buy airtime and data – recharge easily and get 2% cashback on every purchase.

- Request your Moniepoint debit card – get your bank card delivered within 48 hours and use it on all ATMs and POS terminals nationwide.

- Enjoy secure online banking – advanced encryption keeps your bank account and personal data safe at all times.

- Resolve issues instantly – settle disputes or reach support right from the app.

- Bank offline – use *5573# to send money, check balance, or block your card without internet.

- Earn Moniepoint Rewards – get cashback on transfers, airtime top-ups, and bill payments (for new users).

◉ WHY MILLIONS TRUST MONIEPOINT IN NIGERIA
- Licensed and regulated by the Central Bank of Nigeria (CBN).
- Insured by the Nigeria Deposit Insurance Corporation (NDIC) — your deposits are protected.
- Trusted online bank serving millions of Nigerians.
- Reliable personal banking app for everyday payments and savings.
- 24/7 customer support for all your mobile banking needs.

With Moniepoint, your banking experience is fast, secure, and rewarding. Whether you want to send money, save money, or make payments, the Moniepoint app gives you everything you need in one digital banking platform.

◉ HOW TO OPEN A MONIEPOINT PERSONAL BANK ACCOUNT
1. Download the Moniepoint Personal Banking App on your phone.
2. Sign up to open your bank account in less than 5 minutes.
3. Request your debit card directly in the app — it will be delivered to your doorstep fast.

No paperwork. No branch visits. Just simple online banking made for your progress.

◉ STAY CONNECTED
Helpline: 01 888 9990
Website: www.moniepoint.com
WhatsApp: +234 908 843 0803
Facebook, Instagram, X(formerly Twitter), YouTube: @moniepointmfb
LinkedIn: Moniepoint Nigeria
Address: Plot 7A, Block 4, Admiralty Road, Lekki Phase 1, Lagos State, Nigeria.

Download the Moniepoint Personal Banking app today.
Enjoy secure online banking that lets you send money, save and earn up to 18% interest, pay bills, and manage your bank account easily — all from one trusted mobile payment app. Moniepoint is the online bank built for your financial freedom.

## Key features

- Open bank account instantly
- Send and receive money fast
- Earn up to 18% interest on savings
- Convenient bill payments
- Buy airtime with cashback
- Request debit card
- Secure online banking

## Chart rankings

- #168 in Top Free · Finance (US App Store)

## What do users think of Moniepoint Personal Banking?

Overall sentiment: negative

**Pros**

- 🚀 Fast transactions
- 👍 Smooth onboarding
- 🔒 Secure banking
- 💡 Innovative features

**Cons**

- 🐛 Login issues
- 🐛 Transfer failures
- 🔒 Account restrictions
- 💸 Unexpected charges

**Commonly reported bugs**

- App crashes on login
- Delayed money transfers
- Account verification delays

**Most requested features**

- Hide account balance option
- Expand supported payment platforms
- Improve customer support responsiveness

## Recent user reviews (10 of 465)

All indexed reviews: https://appshunter.io/ios/app/moniepoint-personal-banking/id6452756675/reviews.md

### 1/5 — Ibrahim

*2026-08-22, version 1.73.0*

I can’t lie this app is not a good one  cause tell me why someone will want to withdraw money for emergency and the app is saying error to load account balance I need to change bank to Opay I guess they are doing good I am feeling stressed since yesterday

### 5/5 — Good bank app

*2026-08-17, version 1.72.0*

I like it

### 5/5 — Appreciate letter

*2026-08-17, version 1.72.0*

Thank you so much

### 5/5 — Money

*2026-08-17, version 1.72.0*

Best app 💯

### 1/5 — Bank

*2026-08-12, version 1.72.0*

Why did my Moniepoint is not updating

### 5/5 — Best app to save money

*2026-08-11, version 1.72.0*

Best app to save money

### 1/5 — Nonsense app ..do not download and waste your energy

*2026-08-11, version 1.72.0*

This app is actually the worse I’ve used in a while ..recently downloaded and set it up ..even put in my money ..but I can’t send money for some unknown reason ? Really bad app don’t bother downloading

### 1/5 — Why can’t I borrow back because of 0.15 and they won’t let me pay the 0.15

*2026-08-10, version 1.72.0*

Why can’t I borrow back because of 0.15 and they won’t let me pay the 0.15

### 5/5 — Cast back

*2026-08-10, version 1.72.0*

Accurate

### 1/5 — Debit

*2026-08-09, version 1.72.0*

Why have you debited 20k from my account

## Frequently asked questions about Moniepoint Personal Banking

### What can I do with the Moniepoint Personal Banking App?

You can open a bank account instantly, send and receive money fast, manage your savings with up to 18% interest per annum, pay bills conveniently, buy airtime and data with cashback, and request a debit card. The app also offers secure online banking and offline banking options via USSD.

### How do I open a Moniepoint personal bank account?

To open an account, download the Moniepoint Personal Banking App, sign up, and complete the process in under 5 minutes. You can then request your debit card directly within the app for fast delivery.

### Is Moniepoint a secure banking app?

Yes, Moniepoint is licensed and regulated by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC). It uses advanced encryption to keep your bank account and personal data safe.

### What are the benefits of using Moniepoint for savings?

You can earn up to 18% interest per annum on your savings with flexible, fixed, or locked savings plans designed to match your financial goals. This allows your money to grow while being securely managed.

### Can I use Moniepoint without internet access?

Yes, you can bank offline using the USSD code *5573#. This allows you to send money, check your balance, or block your card even without an internet connection.

## Version history (last 5 releases)

### 1.73.0 — 2026-08-17

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

### 1.72.0 — 2026-08-04

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

### 1.71.0 — 2026-07-20

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

### 1.70.0 — 2026-07-06

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

### 1.69.0 — 2026-06-16

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

## Apps similar to Moniepoint Personal Banking

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [OPay-Beyond Banking](https://appshunter.io/ios/app/opay-beyond-banking/id1463776084) | 4.5 (96,630) | Free | Finance |
| [Kuda - Free transfer & payment](https://appshunter.io/ios/app/kuda-free-transfer-and-payment/id1467373738) | 4.7 (131,952) | Free | Finance |
| [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,334) | Free | Finance |
| [Monzo Bank - Mobile Banking](https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659) | 4.7 (5,635) | Free | Finance |
| [U.S. Bank Mobile Banking](https://appshunter.io/ios/app/us-bank-mobile-banking/id458734623) | 4.8 (2,082,851) | Free | Finance |
| [Revolut: Send, spend and save](https://appshunter.io/ios/app/revolut-send-spend-and-save/id932493382) | 4.7 (71,300) | Free | Finance |

## More apps by Moniepoint

- [Moniepoint Business Banking](https://appshunter.io/ios/app/moniepoint-business-banking/id1661134941)
- [Monnify Merchant](https://appshunter.io/ios/app/monnify-merchant/id1673683275)
- [Moniebook Register](https://appshunter.io/ios/app/moniebook-register/id6749378354)

All apps by Moniepoint: https://appshunter.io/developer/1673683607

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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 2026-08-26.*