Moniepoint
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA payments, banking, and operations platform for African businesses and their customers, offering payment acceptance, transfers, bill payments, expense tools, and loans.
Moniepoint Product Overview
Is Moniepoint Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian small businesses
- Retail shops with POS
What It Does Well
- POS payments
- Bank transfers
Things to Check
- Transfer charges
- Loan eligibility
About Moniepoint
Moniepoint is an all-in-one payments, banking, and operations platform built for businesses and their customers in emerging markets, with a major focus on Nigeria.
Key capabilities include:
- Payments acceptance and processing for merchants, backed by infrastructure and distribution networks that support large-scale transaction volumes.
- Business and personal banking for instant transactions, including transfers, bill payments, and airtime purchases, plus debit cards usable at ATMs, POS, and online.
- Business management tools such as expense cards, accounting, and bookkeeping to support day-to-day operations.
- Credit for business owners to finance inventory purchases and business expansion.
Available on Web, Android, and iOS.
It serves a B2B and B2C audience, including SMEs, merchants, and other underbanked businesses, while also supporting individual customers who need everyday banking services.
Notable in Nigeria’s fintech market, it operates as the country’s largest merchant acquirer and reports 10,000,000+ business and individual accounts, with disclosed scale metrics including 26M payments processed daily and $17B TPV monthly. Founded in 2019, it also lists regional options including Nigeria and Kenya on its site, indicating broader emerging-market reach.
Moniepoint 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 dataAs of Oct 5, 2026, Moniepoint is rated 4.6 on the App Store from 15.6K reviews and 4.7 on Google Play from 264.7K reviews with 10M+ installs.
Recent Reviews for Moniepoint
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 workHow 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
NG · 2 reviews
Jun 29, 2026
Fast and reliable. Fast network, easy to use. Highly recommend
NG · 2 reviews
Jun 27, 2026
It's fast and reliable, what I really love is the transparency of how my money is going instead of disappearing
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Moniepoint Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataMoniepoint has raised $260.6M across 6 recorded funding events. The latest was Series C in Oct 2025.
- Total Raised:
- $260.6M
- Latest Round:
- Series C
Moniepoint Investors & Funding Rounds
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Moniepoint Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source data
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Latest Moniepoint News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataSign in to see all 37 articles
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Jobs at Moniepoint
| Title | Posted |
|---|---|
| Category Manager | Sep 25, 2026 |
| Senior Backend Engineer (Java) | Sep 24, 2026 |
Sign in to see all 197 open positions
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Research Mentioning Moniepoint
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BankingWe Opened a Naira Account at Every Bank in Nigeria, Here's What We Found
A Liners field study across traditional banks and digital banks in Nigeria, with real BVNs and NINs.
Frequently Asked Questions About Moniepoint
To open a Moniepoint personal account, you need a phone number or email to get started, your NIN, your BVN, and a live selfie for the facial and liveness check. Moniepoint runs separate apps for personal and business accounts, so make sure you download the personal one if that's what you're after.
This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in bank visits, and BVN blocked the process from starting entirely at 42 of them. Having both ready before you start speeds up account opening at any bank, not just Moniepoint.
- Download the Moniepoint Personal Banking app (not the Business app) from the Google Play Store or Apple App Store.
- Enter your phone number or email and verify it with the OTP sent.
- Enter your NIN and BVN when prompted.
- Complete the facial recognition and liveness check. Liners' research found this the strictest of the five apps tested, so budget a couple of tries.
- Set up your transaction PIN.
- Your account number appears on screen instantly, and a virtual debit card is issued the same session.
If you already have a verified Moniepoint business account, your existing KYC details can carry over and shorten this whole flow to a few minutes.
Moniepoint is an all-in-one platform offering payments, banking, business management, and credit solutions for businesses and individuals in emerging markets, especially Africa. It works by providing payment acceptance infrastructure, instant transactions, expense cards, accounting tools, and loans to help users manage and grow their finances.
Moniepoint primarily operates in Nigeria and is expanding across African markets.
To sign up for Moniepoint, you download the app or visit their website, then complete registration with your personal/business details, BVN, and ID verification before activating your account or POS terminal.
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