Send BTC to your Monica wallet, receive naira to your Ecobank account in 45–120 seconds. The fastest BTC-to-Ecobank flow in Nigeria.
Direct payout to Ecobank • 45–120 seconds typical clearing
Ecobank's pan-African presence makes it a popular choice for Monica users with regional operations. NIBSS clearing is standard for Nigerian payouts. The flow on Monica is the same regardless of bank — what differs is the timing on the bank side. Ecobank sits in the tier-1 bank category, with typical clearing of 45–120 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Ecobank, 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 on-chain confirmation lands, naira credits to your Monica balance at the live mid-market rate. 0% fee.
Tap Withdraw, choose your saved Ecobank account, type the amount. NIBSS clears in 45–120 seconds.
Monica auto-verifies the account name when you add a Ecobank 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 45–120 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 Ecobank 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.
"Was sceptical at first sha. Did a small test, naira landed instant. I dey use am every week now."
"Money no dey delay. That is all I want from a crypto app, and Monica delivers."
"No drama. Deposit USDC, get naira. This is how it should have been all along."
"After the Binance naira ban I didn't know where to turn. Monica saved me — no more P2P stress."
45–120 seconds typical clearing. Ecobank's pan-African presence makes it a popular choice for Monica users with regional operations. NIBSS clearing is standard for Nigerian payouts.
No. Monica charges 0% on all bank withdrawals including Ecobank. The amount you see in the withdrawal screen is the amount that hits your Ecobank account.
Standard CBN limits apply. Higher limits available for verified business accounts — common for traders moving large USDT volumes for supplier payments.
Yes. Ecobank processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Ecobank clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Ecobank can request higher daily limits via Monica support.
That's a Ecobank 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 Ecobank from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Among the tier-1 commercial banks, Ecobank clears in 45–120 seconds. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5-10 seconds.
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 Ecobank account, deposit crypto, withdraw naira in 45–120 seconds.
Download Monica