NewEarn up to 21% p.a. on Fixed Notes
Save towards your goals, invest in high-yield Naira products and get loans in minutes, all from one secure account built for Nigerians.
Good morning
Adaeze
Total balance
₦0
+12.4% this year
Investments
+₦186,000
Loan approved
₦500,000 sent in 4 mins
Rent Vault
₦1.15m of ₦1.8m
Up to 21% p.a.
Fixed Note returns
One account for your money
From your first ₦5,000 saved to your first million invested.
14%a year on target savings
Rent, school fees, a wedding or that trip. Set a goal, automate it and lock it away.
0k+
Nigerians trust us
₦0.0bn
Assets under management
₦0.0bn
Loans disbursed
0 mins
Average loan decision
How it works
Five things you can do the day you join.
01 / 05
All you need is your phone number and BVN. A quick selfie confirms it's you, and you get your own account number straight away.
Your account is ready
8034 512 907
DigitMonie MFB · Adaeze Okafor
02 / 05
Create a goal, choose how often to save, and let DigitMonie move the money for you. Lock it so you're not tempted.
₦1,150,000
of ₦1,800,000 · due 15 Jan
14%
interest p.a.
₦37,500
every Friday
03 / 05
Pick from investments our team has checked. You see your returns before you put in a naira.
Portfolio value
₦4,620,000
+₦186,000 returns
04 / 05
See how much you can borrow, choose your amount and how long to pay back, and get the money in your wallet in minutes.
How much do you need?
₦750,000
₦50kLimit ₦3m
Monthly repayment₦140,750
Interest rate3.5% monthly
First repayment28 Oct
05 / 05
Transfer to any Nigerian bank, buy airtime and data, and pay for power and TV. Your first 25 transfers every month are free.
₦45,000
sent successfully
Fee₦0 · 22 free left
ReferenceDM-91822114
Time29 Sep, 18:40
Your account is ready
8034 512 907
DigitMonie MFB · Adaeze Okafor
Security first
We combine regulated partners, strong encryption and real-time monitoring so you can grow your money with peace of mind.
DigitMonie is licensed by the FCCPC. Deposits sit with CBN-licensed partner banks and are insured by the NDIC.
Every transaction and every piece of data is encrypted end to end.
Face ID, fingerprint and one-time PINs keep strangers out.
Real-time checks flag unusual activity before it becomes a problem.
Loved across Nigeria
“I finally stopped touching my rent money. The Rent Vault locks it away and the interest is a nice bonus.”
“Got working capital for my store in one afternoon. No queues, no endless paperwork.”
“The Fixed Note rates beat my bank by miles and I can see exactly what I'll earn before I commit.”
“Paying bills and sending money to family is instant. The app is honestly a joy to use.”
“I started saving ₦5,000 a week. Watching the goal ring fill up keeps me disciplined.”
“Treasury bills used to feel complicated. Here it's three taps and I'm done.”
FAQ
Can't find what you need? Our support team is available 24/7 by live chat or at hello@digitmonie.com.
Yes. DigitMonie is licensed by the Federal Competition and Consumer Protection Commission (FCCPC) to provide digital lending services in Nigeria. Our savings and investment products are offered with CBN-licensed and SEC-registered partners.
Yes. Customer deposits are held with CBN-licensed partner banks and insured by the NDIC up to the applicable limit. We also use bank-grade encryption, biometric login and 24/7 fraud monitoring.
You can start with as little as ₦5,000 in the Naira Money Market Fund. Fixed Notes start from ₦100,000.
Most eligible applications are reviewed in minutes, and approved loans are paid straight into your DigitMonie wallet.
Flexible savings can be withdrawn anytime. Locked goals like the Rent Vault can only be broken early with a small fee, which helps you stay disciplined.
Your phone number, BVN and a selfie. Higher account tiers need your NIN and a proof of address.
You get free transfers every month. After that, standard NIP charges apply and are always shown before you confirm.
Open a free account in minutes and get ₦1,000 bonus when you save your first ₦10,000.
