---
title: "Monica: Crypto to Naira Conversion App — Fees"
description: "Convert crypto to Naira in Nigeria with 5–40 min bank payouts to 30+ banks. Send transfers in under 2 min, 24/7, with 0% fees."
canonical_url: "https://liners.com/monica"
markdown_url: "https://liners.com/monica.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/monica/screenshot.webp?v=1774112329036"
published_at: "2026-03-22T14:04:04.992Z"
updated_at: "2026-10-06T14:27:44.837Z"
---

# Monica: Crypto to Naira Conversion App — Fees

Convert crypto to Naira in Nigeria with 5–40 min bank payouts to 30+ banks. Send transfers in under 2 min, 24/7, with 0% fees.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [Monica](/monica)

## Summary

Convert crypto to Naira with fast bank payouts

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://monica.cash/ |
| Tagline | Convert crypto to Naira with fast bank payouts |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating | 5 |
| Published reviews | 2 |
| Verified listing | No |

## About the product

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**.

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Crypto Trading and Wallets](/tags/cryptocurrency-trading): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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