Send BTC to your Monica wallet, receive naira to your Stanbic IBTC account in 30–90 seconds. The fastest BTC-to-Stanbic IBTC flow in Nigeria.
Direct payout to Stanbic IBTC • 30–90 seconds typical clearing
Stanbic IBTC is popular with Monica users in the wealth-management and corporate segments. Reliable NIBSS clearing. The flow on Monica is the same regardless of bank what differs is the timing on the bank side. Stanbic IBTC sits in the tier 1 bank category, with typical clearing of 30–90 seconds for NIBSS instant transfers.
Open Monica, go to Bank Accounts, choose Stanbic IBTC, 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 Stanbic IBTC account, type the amount. NIBSS clears in 30–90 seconds.
Monica auto-verifies the account name when you add a Stanbic IBTC 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 30–90 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 Stanbic IBTC 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.
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30–90 seconds typical clearing. Stanbic IBTC is popular with Monica users in the wealth-management and corporate segments. Reliable NIBSS clearing.
No. Monica charges 0% on all bank withdrawals including Stanbic IBTC. The amount you see in the withdrawal screen is the amount that hits your Stanbic IBTC account.
Standard CBN limits apply. Higher limits available for verified business accounts common for traders moving large USDT volumes for supplier payments.
Yes. Stanbic IBTC processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday-night Monica withdrawals to Stanbic IBTC clear at the same speed as weekday withdrawals.
Yes. Both account types are supported. Business accounts at Stanbic IBTC can request higher daily limits via Monica support.
That's a Stanbic IBTC 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 Stanbic IBTC 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, Stanbic IBTC clears in 30–90 seconds. Digital banks (Opay, Kuda, Moniepoint, Palmpay) are typically faster at 5 to 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 Stanbic IBTC account, deposit crypto, withdraw naira in 30–90 seconds.
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