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

Moniepoint Personal Banking vs PNC Mobile Banking

Moniepoint Personal Banking 4.6★ · Free to download 40
Winner PNC Mobile Banking
PNC Mobile Banking 4.8★ · Free to download 70

PNC Mobile Banking is generally more reliable and offers a smoother user experience, despite recent update issues, making it the better choice for most users.

Full reviews: Moniepoint Personal Banking · PNC Mobile Banking

PNC Mobile Banking, with a significantly larger user base and higher lifetime rating, offers a more robust and generally reliable banking experience, though recent updates have caused some frustration. Moniepoint Personal Banking, while praised for speed by some, struggles with consistent network issues, frequent updates, and poor customer support, leading to significant user frustration.

Head to head

Features & Functionality tieR37R41R27R12
Moniepoint Personal Banking Moniepoint users appreciate features like fast alerts and transfers, and some express interest in loans R37R41. However, there are requests for more detailed transaction history and gaming additions R27R12. Issues arise with data top-ups and the inability to link Cash App .
PNC Mobile Banking PNC Mobile Banking offers core banking functions, including Zelle, but users report issues with Zelle's functionality, such as difficulty deleting contacts and limits on transfers R63R76R84. Some users also miss features from their previous bank, First Bank, like external transfers to non-owners . There are complaints about the lack of early direct deposit .
Ease of Use edge: PNC Mobile BankingR3R45R47R2
Moniepoint Personal Banking Moniepoint receives mixed reviews on ease of use; some find it fast and reliable R3R45R47, but many struggle with frequent updates, login issues, and particularly problematic facial verification R2.
PNC Mobile Banking PNC Mobile Banking is generally considered easy to use and navigate by many . However, some users find it clunky, complicated, or outdated . Recent updates have made the app less intuitive for some R71.
Reliability & Performance edge: PNC Mobile BankingR1R6R10R13
Moniepoint Personal Banking Moniepoint suffers from significant reliability issues, including slow network, frequent hanging during face scans, and inability to access funds R1R6R10R13. Transactions sometimes fail, with money debited but no service received or refunds R58.
PNC Mobile Banking PNC Mobile Banking has faced recent performance issues, with users reporting the app not loading, freezing, or being glitchy R71R72R83. Error messages and service unavailability are common after recent updates R61R71.
Price & Value tieR4R28R52R31
Moniepoint Personal Banking Moniepoint users frequently complain about excessive fees, specifically a #10 charge on each transfer R4R28R52. There are also reports of fraudulent deductions R31.
PNC Mobile Banking PNC Mobile Banking users, particularly those migrated from First Bank, express frustration over new fees for transfers that were previously free . There are also reports of incorrect or double charges leading to negative balances .
Customer Support edge: PNC Mobile BankingR1R19R58R115
Moniepoint Personal Banking Moniepoint's customer support is widely criticized as useless and unresponsive, with users receiving automated responses and no resolution for debited funds or login issues R1R19R58.
PNC Mobile Banking PNC Mobile Banking users have mixed experiences with customer service; some report good help over the phone R115, while others describe staff as incompetent and unable to resolve issues, especially those related to the First Bank migration .
Pick Moniepoint Personal Banking if

you prioritize potentially fast transfers and alerts, and are willing to tolerate frequent updates, network issues, and potentially poor customer support.

Pick PNC Mobile Banking if

you need a banking app with generally stable core functions, a large user base, and are comfortable navigating occasional app glitches, especially after updates, or dealing with Zelle limitations.

Evidence note: Moniepoint has a much smaller review base and a lower lifetime rating compared to PNC, suggesting more widespread issues among its users. Many negative reviews for PNC relate to a recent acquisition of First Bank, indicating a transition period for many users.

Frequently asked

Does Moniepoint Personal Banking charge for transfers?
Yes, Moniepoint Personal Banking users report being charged #10 on each transfer, which many find annoying and excessive R4R28R52.
Are there issues with facial verification on Moniepoint?
Many Moniepoint users experience significant problems with facial verification, reporting it as terrible, hanging, or failing to recognize their face, preventing access to their accounts R6R14R25R44.
How reliable is the PNC Mobile Banking app?
While many users find PNC Mobile Banking reliable and always available R62, recent updates have led to frequent reports of the app being glitchy, slow, freezing, or not loading, making it unreliable for some R61R71R72.
Does PNC Mobile Banking support Zelle?
Yes, PNC Mobile Banking supports Zelle, but users report issues with its functionality, such as difficulty deleting contacts, limitations on transfer amounts, and it sometimes not working R63R76R83R84.

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. [R37] Moniepoint Personal Banking 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. [R41] Moniepoint Personal Banking 5/5 · US Loan: I want to borrow a loan
  3. [R27] Moniepoint Personal Banking 3/5 · US Change: Hey team, love the MoneyPoint app It would be awesome if you add a full transaction history page where we can see all money in/out for the whole year, not just month by month and week by week. An annual overview would make tracking so much easier. Keep up the good work 🙂‍↔️
  4. [R12] Moniepoint Personal Banking 3/5 · US Add to fixture: Add blood strike to the gaming
  5. [R3] Moniepoint Personal Banking 3/5 · US Love it: And it’s faster, reliable
  6. [R45] Moniepoint Personal Banking 5/5 · US Fastest banking app ever: I love it
  7. [R47] Moniepoint Personal Banking 5/5 · US Very fast and reliable: Very fast and reliable service
  8. [R2] Moniepoint Personal Banking 5/5 · US Sudden update: Every time update 😂🤦🏽
  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. [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
  11. [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 😔💔🤨
  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. [R4] Moniepoint Personal Banking 2/5 · US Bad transactions: Why will they be removing #10 on each transfers I made it’s so annoying
  14. [R28] Moniepoint Personal Banking 1/5 · US Fees too much: Deduct money on every transaction, I will change bank o
  15. [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 😡
  16. [R31] Moniepoint Personal Banking 1/5 · US Thieves: You people should refund my boyfriend’s money or else I’ll sue you for theft … his sent him 400k and you deducted 500k .. his balance is -100k … are you mad???? Refund him or else!!!
  17. [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
  18. [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
  19. [R115] PNC Mobile Banking 5/5 · US Customer service: Good help over the phone
  20. [R14] Moniepoint Personal Banking 5/5 · US Account temporarily suspended: Why will my account be temporarily suspended because I added money to my Monie point from my Opay??? The Monie point technology is poor the same face i used in verifying the app on Sunday is the same face it’s rejecting today
  21. [R25] Moniepoint Personal Banking 1/5 · US Hanging: It is hanging during face scan since last week and I am unable to access my account after deleting and reinstalling the app 3 times
  22. [R44] Moniepoint Personal Banking 1/5 · US Facial verification: You guys aren’t serious Your facial verification has to be the worst I have seen so far please work on it
  23. [R61] PNC Mobile Banking 1/5 · US Not as good as it used to be: So tired of all the error message. Redeeming rewards through the mobile app is just a constant error message since the new online banking launch. Workout the issues with redeeming rewards. Constant service not available or session timed out when in the middle of a redeeming.
  24. [R62] PNC Mobile Banking 5/5 · US It works: It works well. Honestly.
  25. [R71] PNC Mobile Banking 4/5 · US Latest upgrades not good: This app has always been great until a month or two ago. They changed the look and whatever else they have done is not good. Doesn’t load half the time, sometimes extremely slows I get a message stating this feature isn’t available right now quite often. Not enjoyable. I hope the fix this soon
  26. [R72] PNC Mobile Banking 3/5 · US Only works half the time: When the app works it’s great and intuitive. However, it is temporarily out of service half the time I try an open it. They recently update the app and ever since then, it’s been very unreliable. I’ve actually had to go to the bank more because it’s been so unreliable.
  27. [R63] PNC Mobile Banking 3/5 · US Zelle on Pnc: Pnc only does Zelle on the phone. A very narrow method.
  28. [R76] PNC Mobile Banking 1/5 · US Zelle is horrible: Zelle is impossible to delete contacts and that opens a window to send money to wrong person. Well that happened to me and Zelle and PNC said they don’t care at all. They take no fault in their app capabilities and restrictions. Be careful choosing PNC.
  29. [R83] PNC Mobile Banking 5/5 · US PNC app: App tends to freeze more than it should. Zelle wants to work every so often
  30. [R84] PNC Mobile Banking 1/5 · US Zelle: Zelle functionality is terrible. I cannot send from multiple accounts like I could with First bank. This is a huge loss for me.

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