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Trade crypto for cash, pay bills, and spend online in one app
Monica
A Nigerian fintech app for individuals to convert crypto to Naira, transfer to 30+ banks, pay bills, buy airtime/data, and use virtual dollar cards.
Monica Product Overview
Is Monica Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigeria crypto users
- USDT to naira cashouts
What It Does Well
- Crypto to naira swaps
- Fast bank payouts
Things to Check
- Supported coins list
- Bank payout speed
About Monica
Monica is a Nigerian fintech app for individuals who want to convert cryptocurrency to Naira, make everyday payments, and move money to Nigerian bank accounts quickly.
Key capabilities include:
- Crypto-to-Naira conversion with support for major assets such as Bitcoin (BTC), Ethereum (ETH), USDT, SOL, BNB, TRON, and USDC, with bank payouts typically within 5 to 40 minutes and withdrawals to 30+ Nigerian banks.
- Bank transfers that send money to Nigerian bank accounts in under 2 minutes, available 24/7, with 0% fees on transfers.
- Bills and top-ups, including airtime, mobile data, and utility payments such as electricity, TV, and internet, plus access to 1,000+ gift cards.
- Virtual dollar card creation and funding for online payments where Visa or Mastercard is accepted.
Available on Web, Android, and iOS.
Built for Nigerian consumers, including freelancers, remote workers, and everyday users who receive crypto, need fast NGN settlement, and want an alternative to P2P crypto trading.
Notable in Nigeria for its emphasis on SEC compliance, AML policy, and avoiding P2P counterparty risk, alongside reported traction such as ₦400B+ in payouts, $350M+ converted to Naira, and 500k+ users.
Monica Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
Pricing & Fees
Variable pricingPricing varies: "0% on conversion and 0% on bank withdrawal." "The only cost is the onchain network fee for sending your crypto, which goes to blockchain validators, not Monica."
As of Oct 5, 2026, Monica is rated 4.6 on the App Store from 14.7K reviews and 4.5 on Google Play from 13.5K reviews with 100K+ installs.
Recent Reviews for Monica
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work3.8
Great · 2 reviews
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How is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
Lisa Melz
NG · 1 review
Jun 27, 2026
Monica is the #1 app for me. I was able to convert my USDT to Naira instantly with zero transfer fees and at the best rates. The app is fast, safe and reliable. Guess what? I also paid for my Netflix subscription by purchasing gift card on the app and it works perfectly. To top it all, the Monica referral bonus is a plus. Imagine getting N3,000 every time for each of my referrals. Nothing beats this at all. Monica is the best and stands out from other apps every time and everyday. If you haven’t joined the Gheng yet, do it right now!
Esther Suwari
FR · 1 review
Jun 27, 2026
Monica makes crypto conversion very seem less for me i wasn’t a crypto person but using monica has made crypto very easy it’s also a user friendly app good rates and active customer support.
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Upcoming Events for Monica
Browse all eventsFrequently Asked Questions About Monica
Monica is Nigeria's cryptocurrency exchange and financial platform that lets you convert crypto (Bitcoin, USDT, ETH, BNB, TRX, SOL, USDC) to Naira instantly with zero bank transfer fees. Beyond crypto trading, it's a complete financial app where you can pay bills, buy airtime and data, send money to other users, access over 1,000 gift cards, and manage your finances all in one place.
Monica charges zero fees for bank transfers and crypto conversions. You get a 5% discount on airtime purchases, and all transactions are processed with no hidden charges.
Monica operates exclusively in Nigeria, built specifically for the Nigerian market with integrations across all 24+ Nigerian commercial banks.
Users can sign up for Monica by downloading the app and completing registration via the Android or iOS stores using phone number and identity verification.
Yes, Monica is available on iOS and Android. You can download Monica on the App Store for iPhone, or get it on Google Play for Android.
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