Best Personal Monie Point Apps

27+ iOS apps curated and reviewed

3.9 avg rating
20 free apps
Updated June 2026

Looking for free personal monie point apps? 20 of our 27+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Personal Monie Point

Moniepoint Personal Banking#1

Moniepoint Personal Banking by Moniepoint Inc

Savings account | Send money
Editor's Choice
💰 Finance
4.6😞(29K ratings)
Free
Moniepoint Personal Banking screenshot 1
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Moniepoint Personal Banking screenshot 3
Moniepoint Personal Banking screenshot 4
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Moniepoint Personal Banking screenshot 6

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

What We Love

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

Room to Improve

  • 🐛 Login issues
  • 🐛 Transfer failures
  • 🔒 Account restrictions
Moniepoint Business Banking#2

Moniepoint Business Banking by Moniepoint Inc

Mobile bank account|POS|Loans
Strong Contender
💰 Finance
4.6😞(15K ratings)
FreeAds
Moniepoint Business Banking screenshot 1
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Moniepoint Business Banking screenshot 3
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Moniepoint Business Banking screenshot 6

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

What We Love

  • 🚀 Fast transactions
  • 🔒 Secure app
  • 👍 Reliable service
  • 👍 Useful for business

Room to Improve

  • 🐛 Frequent app crashes
  • 🐛 Login issues
  • 🐛 Network connectivity problems
Kuda - Free transfer & payment#3

Kuda - Free transfer & payment by Kuda Technologies Limited

Pay, save & invest money
Worth Considering
💰 Finance
4.7😞(133K ratings)
Free
Kuda - Free transfer & payment screenshot 1
Kuda - Free transfer & payment screenshot 2
Kuda - Free transfer & payment screenshot 3
Kuda - Free transfer & payment screenshot 4
Kuda - Free transfer & payment screenshot 5
Kuda - Free transfer & payment screenshot 6

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

What We Love

  • 🚀 Easy to Use
  • 👍 Ease of use
  • 🚀 Exceptional Service
  • 🚀 Smooth Banking

Room to Improve

  • 🐛 Locking Users Out Through Forced Updates
  • 🐛 Face ID Not Working
  • 🐛 Debit But Not Credited

More Personal Monie Point apps to explore

4
OPay Business
OPay Business
OPay Business
by OPAY DIGITAL SERVICES PTE. LTD.
Free

This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

Omnichannel payment collectionUnique account for transfersPOS application and management
💰 Finance
(337)
free
5
myMTN NG
myMTN NG
myMTN NG
MTN
Free

This app provides MTN Nigeria customers and non-customers access to a wide range of MTN products and services. It offers a streamlined shopping experience for managing accounts, purchasing airtime and data, and accessing lifestyle content like news and entertainment.

Login with social media or MTN numberBuy or borrow airtime and dataReal-time account balances
📊 Productivity
(14K)
free
6
PocketApp: Send & Manage Money
PocketApp: Send & Manage Money
PocketApp: Send & Manage Money
Abeg Technologies
Free

This app allows users to send, receive, and manage money through three distinct digital wallets: personal, business, and group. It facilitates quick transfers, bill payments, online store creation, and group expense management, all while ensuring funds are insured and the service is licensed.

Send and receive money instantlyManage personal, business, and group financesCreate an online store with zero commission
💰 Finance
(8.8K)
free
7
GTWorld
GTWorld
GTWorld
by GUARANTY TRUST BANK PLC
Free

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Open new accounts with selfie verificationBiometric and facial recognition loginIncognito mode to hide balances
💰 Finance
(42K)
free
8
FCMB Mobile
FCMB Mobile
FCMB Mobile
by FIRST CITY MONUMENT BANK PLC
Free

Manage personal and business finances conveniently and securely. This app offers real-time account and card management from anywhere, anytime, with a user-friendly interface.

Personal finance managementBusiness finance managementAccount management
💰 Finance
(1.2K)
free
9
Access More
Access More
Access More
by Access Bank Plc
Free

This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.

Quick account openingPersonalized dashboards and themesInvestment services
💰 Finance
(115K)
free
10
FirstMobile App
FirstMobile App
FirstMobile App
by First Bank of Nigeria Limited
Free

This official mobile banking app offers convenient access to financial and non-financial transactions for account holders. It features a DIY enrollment process, allowing new customers to open accounts and existing customers to register without visiting a branch.

Financial transactionsNon-financial transactionsDIY enrollment
💰 Finance
(1.7K)
free
11
Olosho App
Olosho App
Olosho App
Olosho Dating App
Free

Connect with singles in your area for dating, friendship, or finding love. This app offers free chat, photo sharing, and voice messages. Discover who's interested in you and explore profiles to find your perfect match.

Meet singles nearbyFree chat and messagingSend photos and voice messages
🌟 Lifestyle
(5.6K)
free with in-app purchases
12
Raven: Fastest Payments
Raven: Fastest Payments
Raven: Fastest Payments
Fastest transfers and payments
Free

This app offers a digital banking experience with low transaction fees, bulk transfers, and bill payments. It also provides high interest on savings, virtual cards, and 24/7 customer support for individuals and businesses in Africa.

Low transaction feesBulk transfersSpending insights
💰 Finance
(1.8K)
free
13
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
14
ALAT
ALAT
ALAT
Digital Bank, Bills, Airtime
Free

This digital banking app offers a comprehensive suite of financial services, including bill payments, money transfers, savings options, and access to loans and insurance. It provides secure login, transaction tracking, and card management features for a seamless banking experience.

Digital banking servicesBill payments and schedulingLocal and international money transfers
💰 Finance
(2.3K)
free
15
EasyLoans: Compare Loans
EasyLoans: Compare Loans
EasyLoans: Compare Loans
Compare and Discover Loans
Free

Easily compare a wide range of financial products including home, vehicle, personal, and business loans from various institutions. This platform helps you check eligibility, compare offers with interest rates and tenures, and even fill out loan applications online.

Compare Home LoansCompare Vehicle LoansCompare Personal Loans
💰 Finance
(398)
free
16
V by VFD
V by VFD
V by VFD
Powered by VFD MFB Ltd.
Free

This digital banking app offers 24/7 access to banking, lifestyle, and investment features. It simplifies financial management with tools for budgeting, account management, and instant transactions. Enjoy easy account opening, card management, and investment opportunities with high returns.

Easy account openingInstant transactions and bills paymentHigh-rate investments
💰 Finance
(969)
free
17
Firstmonie Wallet
Firstmonie Wallet
Firstmonie Wallet
First Bank Nigeria
Free

This mobile money service allows users to send and receive funds, purchase airtime, and pay bills directly from their phone. It offers convenient access to a mobile wallet, enabling transactions without a traditional bank account.

Send and receive moneyBuy airtime and dataPay bills and subscriptions
💰 Finance
(62)
free
18
MTN MoMo
MTN MoMo
MTN MoMo
MoMo
Free

Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.

Send money to friends and familyTop up airtimePurchase bundles
💰 Finance
(554)
free
19
Monnify Merchant
Monnify Merchant
Monnify Merchant
by Moniepoint Inc
Free

This app provides businesses with a payment gateway to accept recurring or one-time payments from customers. It offers a simplified mobile interface for managing transactions, settlements, and business accounts, aiming for higher success rates in Nigeria.

Accept recurring and one-time paymentsManage customer paymentsView transactions and settlements
💰 Finance
(2)
free
20
Persona: AI Beauty Editor
Persona: AI Beauty Editor
Persona: AI Beauty Editor
Face Retouch & Makeup Filters
Free

Enhance your photos and videos with AI-powered beauty tools. Smooth skin, change hairstyles, tune your figure, and refine facial features with professional editing controls and unique artistic effects.

Face beauty filtersHair upgrades and hairstylesBody shaping and tuning
📷 Photo & Video
(41K)
free with in-app purchases