---
title: "Monee: Loan App in Nigeria"
description: "Apply for short-term loans credited to your wallet, transfer to Nigerian banks, set fixed-term savings earning 6% p.a., pay bills, buy airtime & data."
canonical_url: "https://liners.com/monee"
markdown_url: "https://liners.com/monee.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/monee/screenshot.webp?v=1790938376390"
published_at: "2026-10-02T12:08:41.779Z"
updated_at: "2026-10-05T15:19:48.998Z"
---

# Monee: Loan App in Nigeria

Apply for short-term loans credited to your wallet, transfer to Nigerian banks, set fixed-term savings earning 6% p.a., pay bills, buy airtime & data.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Monéé](/monee)

## Summary

Loans, savings, transfers, and bill payments in one app

A Nigerian mobile finance app for consumers to apply for quick loans, save, transfer funds to bank accounts, and pay bills, plus buy airtime and data.

## Product details

| Field | Value |
| --- | --- |
| Website | https://monee.ng/ |
| Tagline | Loans, savings, transfers, and bill payments in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/monee/alternatives)
- [Reviews](/monee/reviews)
- [Transparency](/monee/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/monee)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)