Monéé

Monéé is a Nigerian mobile financial services app for consumers who want short-term loans, savings plans, wallet transfers, bill payments, and airtime or data top-ups in one place.

Key capabilities include:

• Quick loan application and disbursement: users apply in-app and, when approved, loan proceeds are credited to the wallet.
• Wallet-based money transfers: supports outward transfers from the wallet to other banks and inward transfers from banks to the wallet (the site references using Empire Trust MFB for inward transfers).
• Savings plans: users can set up savings from their wallet, including fixed-term (lockdown) savings; the FAQ cited in the research brief mentions 6% per annum savings interest.
• Everyday payments: users can pay bills (including electricity and cable TV per the research brief) and purchase airtime and data, protected by a transaction PIN for confirmations.

Available on Android (Google Play) and iOS (Apple App Store).

Monéé targets Nigerian smartphone users who need mobile access to loans, savings, transfers, and bill payments, with service availability stated as throughout Nigeria.

Notable in the Nigerian market, it is powered by Citygate Global Investment Limited, which describes itself as a microfinance institution (founded June 2007), positioning the app as a single entry point for common consumer finance tasks on mobile.