Monitri — Smarter, Safer Money Management

Monitri is a modern digital banking app built to give you full control over your money — spend, save, invest, and grow, all from one secure app.

💳 Everyday Banking

Multi-currency wallets — hold and manage Naira and USD balances in one place

Instant transfers — send money to any bank account in seconds, with saved beneficiaries for faster repeat transfers

Receive & request money — get paid instantly or request funds from anyone

Payment links — create shareable links to collect payments, no bank details required

Scheduled transfers — automate recurring payments so you never miss one

Bill splitting — split shared expenses with friends or family, fairly and transparently

Virtual card — spend online safely with a Monitri virtual card

💰 Save & Grow

Ajo (group savings) — join or create rotating savings groups the traditional way, digitized

Auto-save rules — set it and forget it, with automatic savings triggers

Budget planner — track spending against your budget in real time

Invest — grow your money with built-in investment options

Loans — access credit when you need it

Rewards & referrals — earn rewards for using the app, and bonuses for referring friends

🌍 Currency & FX

Buy USD — purchase US dollars directly in-app

Currency exchange — convert between currencies at competitive rates

FX rate alerts — get notified when exchange rates hit your target

📊 Insights & Business Tools

Insights & reports — understand your spending patterns at a glance

Downloadable statements — export account statements anytime

Business accounts — dedicated tools for freelancers and small businesses

Spending limits — set personal controls to manage your budget

🔒 Built on Security You Can Trust

Your money and data are protected by layers of enterprise-grade security:

Biometric login — sign in instantly and securely with fingerprint or Face ID (passkey-based, no passwords stored on your device)

Transaction PIN protection — every sensitive action is guarded by a PIN, separate from your login

Brute-force lockout protection — accounts automatically lock after repeated failed login attempts, blocking hackers from guessing their way in

One-time-code throttling — verification codes are rate-limited to stop abuse and spam attacks

Wallet freeze & fraud alerts — instantly freeze your wallet and get alerted to suspicious activity

Bank-level encryption — all data is encrypted in transit over HTTPS

Identity verification (KYC) — every account is verified, keeping the platform safe for everyone

Device management — see and manage every device signed into your account

CBN-compliant — built to meet Central Bank of Nigeria regulatory standards

Monitri — move money smarter, safer.