Like your bank but Smarter No Abusive Fees Open 24/7 Multi Currency Borderless
Like your bank but Smarter No Abusive Fees Open 24/7 Multi Currency Borderless
We combine fresh thinking and modern tech like stablecoin and AI to create compliant bank-like services that are cheaper and smarter without the usual banking limitations getting in your way.
Everything you want from your money
- Multi-currency wallets
- Access to local accounts through licensed partners
- Seamless swaps across multiple currencies
- Virtual and physical cards for everyday spending online and in-store at over 100 million merchants
- Financial services supported through licensed partners
You deserve better. That’s why we built BMONI. You deserve better. That’s why we built BMONI
“BMONI set to launch in Nigeria to redefine how Africa saves, spends, and grows Wealth”
“…fun and forward thinking, a sign that BMONI understands how culture drives connection”
“…It (BMONI) is about belonging to a generation that demands speed, access, and control.”
“The platform’s sleek design and intuitive interface bring a fusion of Silicon Valley engineering and African innovation.”
“BMONI isn’t trying to replace banks. It’s rethinking what banking means”
“…(BMONI) offers a financial passport for a generation of Nigerians thinking and operating beyond borders.”
Who is BMONI for?
Freelancers
BMONI helps freelancers stay ready for global work opportunities with NGN, USD, and other currency virtual accounts – designed for the way freelancers work today.
Travel
Use virtual and physical card products through licensed partners for travel spending, online purchases, subscriptions and more!
Parents & Students Abroad
BMONI helps families and students stay financially connected, by making managing money across countries feel simpler and faster.
Expats & Global Families
BMONI is designed for individuals who live, work, and operate across multiple countries, providing access to modern digital financial services in one seamless platform
Small Businesses
BMONI helps simplify modern business with multi-currency wallets, business cards through licensed partners, and more
Smart Salaries
Built for the modern workforce, with BMONI, salaries can be paid directly into multi-currency wallets. Save your hard earned money in US dollars.
Built for Safety and Ease
Compliant, Safe & Awarded 22 patents
BMONI is built in partnership with licensed and trusted technology partners. Your funds are protected through BMONI’s patented technology combining cryptography with the ease of biometrics.
No Passwords, No Pain
No PINs, no passwords. Access is secured with cryptographic proofs, eliminating risks from hacked or reused passwords.
Smart Money on Modern Tech
BMONI uses regulated stablecoin infrastructure provided through licensed partners. Stablecoins are digital money, built using cryptographic bookkeeping called blockchains. Each stablecoin is fully backed by cash in local banks and independently audited for full transparency and protection.
Move beyond banking with BMONI in 3 simple steps
1. Download BMONI
Get the app and join in minutes.
2. Verify and Get Started
Verify your details in minutes and you’re ready to go
3. Go Borderless
Send and Spend globally .
Frequently Asked Questions
What is BMONI and how secure is it?
BMONI is a modern digital financial platform designed for globally connected individuals and businesses. Through licensed partners, BMONI provides access to multi-currency wallet functionality, digital financial services, and global card experiences within a seamless user experience. BMONI utilizes modern security architecture and trusted infrastructure partners to help protect user accounts, wallet access, and platform activity.
Your money and data are always protected with BMONI.
BMONI uses patented facial recognition technology for every login and transaction. Only you can access your account. BMONI is not a bank; it’s a secure platform that partners with trusted, licensed financial providers, including Mastercard, BluSalt, Bridge, Convexity, Paxos, Anchor and more
How do I get a BMONI account?
Simply download the app on your phone or in your app store.
Sign up with your phone number, scan your face, and complete identity verification (KYC). Once approved, you’ll have access to your choice of multi-currency wallets.
You can find more information on the BMONI Knowledge Base here
How does the KYC process work?
KYC is an identity verification process and it is required to meet regulations and protect your account. During sign up and verification, you’ll need to:
- Provide your basic personal information (name, phone number and national ID number).
- Scan your face in good lighting.
- Upload a valid ID (passport, national ID, or driver’s license).
- Submit proof of address (such as a utility bill, bank statement, or government letter).
- If you’re in Nigeria, we will ask for your BVN (Bank Verification Number).
See our full KYC guide in the Knowledge Base here
What if I struggle to log in to my BMONI account?
Please note that your funds are always safe. Only you, using your face, can access your funds or approve transactions, even if your phone is lost or stolen.
Logging in when you still have access to your number:
- On the app welcome screen, tap “Retrieve Your Account”, and enter your phone number to receive the 6-digit code (OTP).
- Make sure your face scan works – use good lighting and check that Face ID is enabled on your device.
Logging in when you do not have access to your number:
- On the app welcome screen, tap “Retrieve Your Account”
- Select “No I do not have access anymore” when asked to confirm access to your phone number. Simply follow the steps to verify your new number.
- If this does not work, please check your KYC status in “Settings” → “KYC Overview” since verification must be complete to log in. For urgent help, reach out to support via the in-app chat.
Please find more details on how to access or retrieve your account on the Knowledge Base here
What if a money transfer or wallet top-up fails? Are there any limits?
Most transfers are instant, but delays can happen. Here’s what to do:
- Double-check details – Most failures are caused by network issues or incorrect account information.
- If money was deducted but not received – Wait a few minutes, then contact BMONI support via the in-app chat. Share the transaction ID, amount, date, and a screenshot when asked by support so we can investigate.
- Incoming transfer not showing – Ask the sender to confirm the transaction details including proof of transaction. You can then share a screenshot and transaction details with the BMONI support team.
- Refunds – If a payment doesn’t settle, it will be reversed and refunded to your BMONI wallet or the original source.
For more troubleshooting tips, see our Knowledge Base guide here
How is BMONI connected to crypto and stablecoins?
BMONI uses licensed and regulated stablecoins, each backed by real money equivalents held in local banks. Funds backing naira stablecoins are stored in Nigerian banks, while funds backing USD stablecoins are stored in US banks. All bank balances are independently audited by third-party auditors and are subject to strict regulatory requirements and oversight. Your stablecoins are held in a non-custodial wallet that only you can access.
Want to learn more? Check out our Knowledge Base here
Can I use BMONI outside Nigeria?
Yes, you can use BMONI anywhere in the world – as long as you have internet access and your KYC verification is approved.
How do I get answers to other questions and contact support?
You can reach BMONI support anytime through the website bot, in-app chat, Instagram, or by email at support@bmoni.com. Our team usually replies within 24 hours.
You also have access to a content rich knowledge base with helpful articles and guides here.
Please note: human customer support is available through the in-app chat. Other channels are designed to help you learn about BMONI and resolve general issues.