Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Moniepoint Personal Banking vs Truist Mobile

Moniepoint Personal Banking 4.6★ · Free to download 40
Winner Truist Mobile
Truist Mobile 4.8★ · Free to download 90

Truist Mobile is the better choice for reliable and easy mobile banking, while Moniepoint Personal Banking struggles with consistent performance and customer service.

Full reviews: Moniepoint Personal Banking · Truist Mobile

Truist Mobile offers a highly reliable and user-friendly banking experience with easy mobile deposits and transfers, making it a strong choice for everyday banking. Moniepoint Personal Banking, despite some positive feedback on speed, is plagued by frequent app updates, network issues, transaction problems, and poor customer support.

Head to head

Features edge: Truist MobileR8R9R12R19
Moniepoint Personal Banking Moniepoint users appreciate features like fast alerts and cashback, and some express interest in loans and target savings. However, there are requests for a full transaction history page and better gaming integration. Issues with data top-ups and face verification are also reported.
Truist Mobile Truist Mobile users highly value mobile check deposits, Zelle for sending money, and the ability to easily transfer funds between accounts. Some users desire the ability to set a default account and download QBO files, and international customers face difficulties with wire pins.
Ease of Use edge: Truist MobileR2R3R6R10
Moniepoint Personal Banking Some Moniepoint users find the app fast and easy to use, but many report significant issues with logging in, face verification, and frequent, mandatory updates. The app is described as hanging, slow, and sometimes unusable after updates.
Truist Mobile Truist Mobile is consistently praised for being easy to use, intuitive, and simple for tasks like mobile check deposits, transfers, and bill payments. Users highlight its user-friendly interface and quick navigation.
Reliability edge: Truist MobileR1R7R9R10
Moniepoint Personal Banking Moniepoint users frequently report issues with network slowness, transactions failing (debiting without service, not receiving data), and accounts being suspended. The app often hangs, doesn't load balances, or becomes unusable after updates.
Truist Mobile Truist Mobile generally performs reliably, with users appreciating its consistent functionality for deposits and transfers. However, some users experience the app freezing or saying 'service unavailable' frequently, and one reported a delayed check payment leading to insurance cancellation.
Price/Value edge: Truist MobileR4R7R13R28
Moniepoint Personal Banking Moniepoint users complain about charges, specifically a #10 fee on each transfer and excessive transaction fees. There are also reports of money being debited without services rendered or incorrect deductions.
Truist Mobile Truist Mobile is free to download, and users appreciate the convenience it offers, saving time and gas money. One user, however, finds a $5 monthly maintenance fee insulting after 30 years as a loyal customer.
Support edge: Truist MobileR1R19R40R58
Moniepoint Personal Banking Moniepoint's customer support is described as 'useless' and providing 'automated responses' without actual resolution for issues like failed transactions and account access problems.
Truist Mobile Truist Mobile users generally praise the impeccable service provided when questions arise and appreciate the bank's dedication to clients, including refunding stolen money. However, international customers report difficulties with customer reps understanding their need for wire pins without visiting a local branch.
Pick Moniepoint Personal Banking if

You are looking for a banking app that some users find fast for alerts and transfers, and you are willing to overlook frequent updates and potential reliability issues.

Pick Truist Mobile if

You prioritize a highly reliable, easy-to-use mobile banking experience for everyday tasks like mobile check deposits, transfers (including Zelle), and bill payments, and value strong customer support.

Evidence note: Moniepoint Personal Banking has a significantly lower number of ratings and a lower lifetime rating compared to Truist Mobile, indicating a smaller user base and more widespread dissatisfaction among its users. The negative reviews for Moniepoint are more severe, often involving inability to access funds or complete transactions, while Truist's issues are generally less critical.

Frequently asked

Does Moniepoint Personal Banking charge fees for transactions?
Yes, Moniepoint Personal Banking users report being charged #10 on each transfer and generally complain about excessive transaction fees R4R13R28R52.
Can I deposit checks using Truist Mobile?
Yes, Truist Mobile is highly praised for its easy, convenient, and efficient mobile check deposit feature, allowing users to deposit checks from home R65R71R74R78.
Are there frequent updates for Moniepoint Personal Banking?
Yes, Moniepoint Personal Banking users frequently complain about constant and mandatory updates, sometimes multiple times within a few days, which often lead to app functionality issues R2R15R34R38.

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. [R8] Moniepoint Personal Banking 5/5 · US Loan: Please why is this app not granting loans
  2. [R9] Moniepoint Personal Banking 3/5 · US Issues: If I did data and it will reverse to airtime and using code brings no network
  3. [R12] Moniepoint Personal Banking 3/5 · US Add to fixture: Add blood strike to the gaming
  4. [R19] Moniepoint Personal Banking 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
  5. [R2] Moniepoint Personal Banking 5/5 · US Sudden update: Every time update 😂🤦🏽
  6. [R3] Moniepoint Personal Banking 3/5 · US Love it: And it’s faster, reliable
  7. [R6] Moniepoint Personal Banking 3/5 · US Face verification: I can’t verify my face I don’t know why please and I need to withdraw money on there to pay for my fees please
  8. [R10] Moniepoint Personal Banking 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 😔💔🤨
  9. [R1] Moniepoint Personal Banking 1/5 · US You guys don’t want me to access my money or change my pin I have contacted every help service y: You guys are wicked I need my money pls
  10. [R7] Moniepoint Personal Banking 1/5 · US Your services are terrible, twice ive tried recharging you guys debit me but I didn’t receive anythi: Your services are terrible, twice ive tried recharging you guys debit me but I didn’t receive anything, it’s woke and terrible you guys should do better
  11. [R4] Moniepoint Personal Banking 2/5 · US Bad transactions: Why will they be removing #10 on each transfers I made it’s so annoying
  12. [R13] Moniepoint Personal Banking 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
  13. [R28] Moniepoint Personal Banking 1/5 · US Fees too much: Deduct money on every transaction, I will change bank o
  14. [R40] Moniepoint Personal Banking 1/5 · US Moniepoint customer service: I saved money in the fixed savings When I changed my phone I tried to log in but I was logged out automatically I then … went to try it on my former phone the same outcome
  15. [R58] Moniepoint Personal Banking 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
  16. [R52] Moniepoint Personal Banking 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 😡
  17. [R65] Truist Mobile 5/5 · US Excellent Service: I find it very convenient and easy to make my check deposits from my mobile device, and from the financial institution that I feel comfortable and trust, TRUIST
  18. [R71] Truist Mobile 5/5 · US Perfect app: This app is easy to use and I am so grateful for mobile deposits so I can deposit checks from home whenever I want!
  19. [R74] Truist Mobile 5/5 · US Convenient deposit: Very happy with the ease of depositing checks to me into my checking account with my iPhone.
  20. [R78] Truist Mobile 5/5 · US Love this!!: Awesome way to make deposits. Very easy and convenient in every way!!
  21. [R15] Moniepoint Personal Banking 3/5 · US Stop: You want to Make me hate this Moniepoint, like why many times it’s ask for update , what the meaning of all this I update it 3 days ago and still ask for another update again,silly app
  22. [R34] Moniepoint Personal Banking 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
  23. [R38] Moniepoint Personal Banking 1/5 · US Complain 😠: Omo, I can’t update the app and I’m unable use the app with an update

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