Send BTC to your Monica wallet, receive naira to your Aella account in 10–30 seconds. The fastest BTC-to-Aella flow in Nigeria.
Direct payout to Aella • 10–30 seconds typical clearing
Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Aella sits in the digital bank category, with typical clearing of 10–30 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Aella, enter your account number. Auto-verified in seconds.
From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.
Once onchain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Aella account, type the amount. NIBSS clears in 10–30 seconds.
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.
If a NIBSS transfer takes longer than 10–30 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.
If Aella restricts your account independently (PND, BVN issue, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.
Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.
"Sold BNB around 1am on a Sunday and the First Bank alert came in under two minutes. No wahala."
"E dey work die. Moniepoint alert enters sharp sharp every single time."
"Small gripe it logged me out once and I had to sign in again. But payouts are genuinely instant."
"I run a small business and move money through here weekly. Zero failed payouts so far."
10–30 seconds typical clearing. Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users.
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.
₦5,000,000/day default. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
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.
Yes. Both account types are supported. Business accounts at Aella can request higher daily limits via Monica support.
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.
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.
Yes Aella clears Monica payouts via NIBSS. Digital bank popular with credit-conscious users.
Monica works with every NIBSS-connected bank in Nigeria every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Add your Aella account, deposit crypto, withdraw naira in 10–30 seconds.
Download Monica