---
title: "Rank: Savings App, Bill Pay, Loans in Africa"
description: "Save in Nigeria with group circles on 6, 10 or 12‑month cycles, earn interest, get zero‑interest loans, instant transfers and bill pay."
canonical_url: "https://liners.com/rank"
markdown_url: "https://liners.com/rank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/userank/screenshot.webp?v=1773044897860"
published_at: "2026-03-09T11:14:20.261Z"
updated_at: "2026-10-05T14:55:25.355Z"
---

# Rank: Savings App, Bill Pay, Loans in Africa

Save in Nigeria with group circles on 6, 10 or 12‑month cycles, earn interest, get zero‑interest loans, instant transfers and bill pay.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Rank](/rank)

## Summary

Save together, earn interest, and access zero-interest loans

A community money app for Nigerians to save in circles, earn interest, send instant transfers, and pay bills, with CBN-regulated banking and NDIC insurance.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.userank.com/ |
| Tagline | Save together, earn interest, and access zero-interest loans |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Rank (formerly Moni) is a community-powered money app for individuals in Nigeria who want to save, spend, pay bills, and access credit through group savings circles.

Key capabilities include:
- **Tribe (Circles)**: Digitizes traditional group savings with fixed **6, 10, or 12-month** cycles, designed to avoid chasing friends or waiting for slots to fill, and includes access to **zero-interest loans**.
- **Savings options**: Multiple ways to save based on goal and withdrawal needs, including **Reserve** (locked savings), **Flex** (save and withdraw anytime), **Goals**, and **Premium** (higher rates with priority support).
- **Spend and Pay**: **Instant transfers** to other people and **bill payments** in one place, including electricity, cable, and internet.
- **Security and support**: **CBN-regulated** through Rank Microfinance Bank, **NDIC-insured** deposits, **KYC verification**, **two-factor authentication**, bank-grade encryption, and **24/7** fraud protection and in-app customer support.

Available on **Web** via its **AjoMoney** platform, **Android** and **iOS**.

Built for **B2C users** (including “ambitious dreamers” saving in communities) and also relevant for **small businesses and SMEs** that use group financing and loans.

Notable in the Nigerian fintech market for packaging **Ajo/ROSCA-style** savings into an app with interest-bearing products and Circle-based lending, backed by **Y Combinator (W22)** and supported by a **CBN-licensed** microfinance bank.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Community Platform](/tags/community-platform): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Benin](/countries/benin): Market
- [Guinea](/countries/guinea): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market

## Related pages

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

## Access and citation

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