Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Moniepoint Personal Banking

35
User verdict / 100 Medium confidence In trouble

Moniepoint Personal Banking has significant reliability issues that frustrate many users, despite some positive experiences.

4.6★ lifetime (29,185) Free to download since 2023 by Moniepoint Inc updated 0.2 mo ago recent negative 38% 120 reviews across 3 regions
Network Issues Customer Service
5★141
4★13
3★17
2★19
1★88
recent reviews across 3 regions, vs the 4.6★ lifetime average

Recent reviews of Moniepoint Personal Banking reveal a mix of frustrations with app reliability and customer service, alongside a few positive experiences. Users frequently report issues with transactions, network problems, and difficulties accessing their accounts. While some praise its speed and functionality, these positive comments are overshadowed by the recurring complaints.

What users like

What users complain about

Latest update · v1.70.0

What the developer says changed (the verdict above weighs this against what reviewers report):

Nothing much to see here. Just squashing those pesky bugs and keeping your experience smooth as usual. See you!

Recurring themes

Network Issues negative
Many users report slow or unreliable network connections that hinder their ability to use the app effectively.R10R12R22R29
Customer Service negative
Users express frustration over unresponsive customer support and unresolved issues.R51R15R17

Who it's for

Moniepoint may suit users seeking fast transactions and a simple interface, but those needing reliable access and customer support should consider alternatives.

Evidence note: The negative sentiment is prevalent across multiple reviews, indicating widespread issues with the app. However, there are some positive experiences noted, suggesting that not all users face the same problems.

Frequently asked

What are common issues with Moniepoint?
Common issues include network problems that prevent access to the app and poor customer service, with many users reporting unresponsive support and unresolved transaction issues.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R30] 5/5 · US Excellent bank: Very fast to receive alert nd very fast to transfer Im so suprise with the cash back nd isnt hope to 1 month I started using it I love that
  2. [R67] 5/5 · US Transaction speed: MoniePoint is the fastest wallet I've known so far
  3. [R76] 5/5 · US Reliable and easy to use: Moniepoint is one of the few banking apps that just works when you need it. I’m really impressed with the app. Transactions are fast, the UI is simple to navigate, and it’s been very reliable for transfers and bill payments.
  4. [R99] 5/5 · US I love your service: Easy to navigate, fast systems in place
  5. [R10] 1/5 · US Ibrahim: Network to slow and I need my money urgently I need to change bank I was enjoying using this app but all of a sudden change this so frustrating 😔💔🤨
  6. [R12] 1/5 · US Network is terrible!!!!: Your network is so poor it task over 20 minutes to perform a single transaction and y’all charge so much for such a terrible service if this doesn’t change I swear I’m not gonna use your app again it’s annoying
  7. [R22] 2/5 · US Bad network lately: Started out as a good favorable bank but the no network issues is starting to get annoying and the incompetence every now and then after an update is just pissing me off. For some unknown reason it takes forever for it to login and still trying to load my savings it’s not even working except I login on another phone like come on now it’s not even a general issue this one is jus
  8. [R29] 1/5 · US Bad services: Moniepoint has bad network, takes to long to access the bank and my money, I can’t even depend on you in urgency.
  9. [R51] 1/5 · US Poor Service, Money Debited, No Refund After 72 Hours: Very disappointing experience with Moniepoint. I made a prepaid meter recharge, my account was debited, but no token was sent. It has been over 72 hours and there is still no refund. This is not even the first time this has happened. Customer support keeps sending automated responses saying they are “working on it” with no actual resolution
  10. [R15] 1/5 · US Inability to solve little issues such as data crediting: Bought a data plan and I haven’t received it, contacted customer support and it basically useless
  11. [R17] 1/5 · US Stupid incompetent bank: Don’t bank with them they are useless and don’t know what they are doing
  12. [R20] 1/5 · US Fees too much: Deduct money on every transaction, I will change bank o
  13. [R41] 1/5 · US Monie point: This app is giving me concerns why would I try my pin three times and I won’t be able to try again. Why Opay doesn’t do that and why do you keep removing 10# from every transaction I make this is not fair 😡
  14. [R88] 1/5 · US For deductions of pending funds.: This app is a mess and I would say one of the most useless app, if not the useless. How do you mean I liquidate my own money and you deducted the sum of two thousand five hundred naira (2,500) in a lock fund of Twenty thousand naira (20,00). It is a disgrace cause it was my first time saving and this is the experience I got. OPay, would never do this and due to th

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store