Moniepoint APK
Featured in our rankings: #3 in Best mobile money & banking apps in Nigeria (2026)
From our blog: OPay vs PalmPay vs Moniepoint vs Kuda: which fits you?
About Moniepoint
Moniepoint started as the payments infrastructure behind Nigeria's small businesses and grew outward into personal banking, which is why the app feels different from a consumer-first bank. Its centre of gravity is the agent network: tens of thousands of neighbourhood points where cash goes in and out without a branch, which matters in places where the nearest bank is an hour away. On the business side it issues POS terminals, settles collections and produces statements a shop can actually reconcile. On the personal side it is an ordinary Nigerian account — transfers, airtime, data, bills, instant alerts — with the same agent network standing behind it for cash.
Key features
- Personal and business accounts, each with a Nigerian account number
- An agent network for cash in and cash out without visiting a branch
- POS terminals and payment collection for small businesses
- Transfers, airtime, data and bill payments from one screen
- Instant alerts and statements you can export for bookkeeping
How to install
- Tap the green button above to open Moniepoint's official download page.
- Open the downloaded file from your notifications or Downloads folder and allow the install when Android asks.
- Launch Moniepoint and sign in or register.
Step-by-step guides: how to install an APK · fix the Play Protect warning.
How to update
Updates come from the same official source you installed from — open the download page again from time to time, or turn on in-app update prompts if Moniepoint offers them. A newer official APK installed over the old one keeps your data.
FAQ
What is the difference between the personal and business apps?
They are separate installs with separate package names. The personal app is an everyday bank account; the business app adds POS terminal management, settlement reports and staff access. A trader typically runs both — the business account for takings, the personal one for their own money.
Can I withdraw cash without a bank or an ATM?
Yes — that is the point of the agent network. You find a Moniepoint agent, transfer to them from the app or present the code they ask for, and take the cash. Agents charge a small commission that varies by location and amount, and it is worth confirming the fee before the transfer rather than after.
My transfer is showing as pending — what should I do?
Pending usually means the receiving bank has not acknowledged it yet, which is common during network congestion. Do not repeat the transfer — that is how people end up sending twice. Wait, then raise a dispute from the transaction itself in the app, which attaches the reference automatically and is far faster than describing it from memory to support.
Is the Moniepoint APK safe to install?
Yes — this page links only to the official Moniepoint download. We never rehost or modify the file, so you get exactly what the developer ships.
What is the Moniepoint package name?
The Android application ID is com.moniepoint.personal. Check it after installing (Settings → Apps) to confirm you got the genuine app.
