Off ramp · BTC → NGN

Sell Bitcoin to Aella

Send BTC to your Monica wallet, receive naira to your Aella account in 10 to 30 seconds. The quick BTC-to-Aella flow in Nigeria.

Set up Aella payout Get it on Google Play

★ 4.5 Play Store★ 4.5 App Store700,000+ users₦1T+ processed

AellaNaira payout over NIBSS instant transfer

0% fee

Typical clearing10 to 30 seconds

RailNIBSS instant transfer

You sendBitcoin network

Fees0% conversion fee, 0% bank withdrawal fee

BTC / NGN · live₦109,949,350

Under 60s after the network confirms

How the naira travels

BTC → Aella, Step by Step

Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users. The flow on Monica is the same for every bank. What differs is the timing on the bank side. Aella sits in the digital bank category, with typical clearing of 10 to 30 seconds for NIBSS instant transfers.

You send BTCFrom any wallet or exchange to your Monica address

Monica convertsAt the live rate, the moment the network confirms0% fee

AEAella credits youOver NIBSS instant transfer10 to 30 seconds

700K+Active Users

₦1T+Volume Processed

0%Conversion Fee

4.5★Play Store Rating

60sAfter Confirmation

Step by step

How a BTC-to-Aella Payout Works

Add your Aella account

Open Monica, go to Bank Accounts, choose Aella, enter your account number. Auto-verified in seconds.

Send BTC to Monica

From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.

Conversion runs automatically

Once onchain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.

Withdraw to Aella

Tap Withdraw, choose your saved Aella account, type the amount. NIBSS clears in 10 to 30 seconds.

If something goes wrong

Common Aella Payout Issues and How Monica Handles Them

Wrong account number

Monica auto-verifies the account name when you add a Aella account. If the name doesn't match, the system blocks the save preventing payouts to wrong accounts before they happen.

Delayed clearing

If a NIBSS transfer takes longer than 10 to 30 seconds, the funds are guaranteed by the rail itself. Worst case: the amount reverses to your Monica balance within 24 hours and you can re-attempt.

Bank account restriction

If Aella restricts your account independently (PND, a KYC query, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.

Failed transaction reversal

Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.

Questions

FAQ Withdrawing to Aella

How long does a Aella payout take from Monica?

10 to 30 seconds typical clearing. Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users.

Are there fees for withdrawing to Aella?

No. Monica charges 0% on all bank withdrawals including Aella. The amount you see in the withdrawal screen is the amount that hits your Aella account.

What is the daily withdrawal limit to Aella?

₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.

Can I withdraw BTC earnings to Aella on weekends?

Yes. Aella processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Aella clear at the same speed as weekday withdrawals.

Does Monica work with both Aella personal and business accounts?

Yes. Both account types are supported. Business accounts at Aella can request higher daily limits via Monica support.

What if my Aella account is frozen?

That's a Aella matter, not a Monica one. If a withdrawal fails because your bank account is restricted, the naira returns to your Monica balance and you can withdraw to a different bank.

How do I add my Aella account to Monica?

Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Aella from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.

Is Aella the quick bank for Monica payouts?

Yes Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users.

Every bank on NIBSS

Other Banks We Support

Monica works with every Nigerian bank on NIBSS: every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.