All Nigerian NIBSS-connected banks work with Monica. The choice is about timing preference vs limit needs. Digital banks excel at sub-10-second settlement and have clean app UX. Tier 1 commercial banks have higher individual transaction limits and broader physical presence (relevant if you also need cash withdrawal). Many Monica users have one of each digital for speed, commercial for size.
For speed: Opay, Kuda, Moniepoint, Palmpay (digital banks, 5–10s clearing). For high limits: tier 1 commercial banks (GTBank, Zenith, Access, First Bank, UBA 30–60s clearing).
In the Monica.cash app download from Google Play or App Store, complete KYC, get started.
0% on Monica for all conversions and bank withdrawals. Only onchain network fees apply, paid to validators (not Monica).
Sub-60 seconds typical for the Monica side (conversion + bank withdrawal). Onchain confirmation timing varies by coin and network.
0% fees. Under 60s payouts. 500K+ users. Built for Nigerian crypto reality.
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