About Moni
Moni is a money app from Rank App (Formerly Moni) designed to support community prosperity. It combines community-driven wealth opportunities, financial tools, and educational resources to help users achieve financial goals. This CBN-licensed platform is powered by Rank Microfinance Bank and Rank Capital Limited, ensuring a reliable and secure use for its users. Moni allows individuals to access financial services, connect with local communities, and learn about money management. Key capabilities: community engagement financial services educational content user-friendly interface secure transactions Best for: individuals and community groups that need accessible financial solutions and resources.
Moni (now operating as Rank) is a community-powered finance app built for individuals and SMEs, with operations spanning Lagos and San Francisco. Its mission is to make prosperity common by leveraging trusted groups to transform how users save and access credit. The company was founded in 2020 and focuses on SME loans, savings, and insurance services, reflecting a blend of fintech and social finance tailored to African markets and beyond. In essence, it offers a modern, mobile-first approach to working capital, high-yield savings, and instant claim payouts, aimed at merchants and small businesses who need simplicity and speed without sacrificing reliabilityF6S+1. The interface leans into a clean, mobile-centric design that prioritizes clarity: straightforward onboarding, prominent actions for savings and loan requests, and group-based features that surface community activity and credit access. This community lens—organizing finance around trusted circles—feels intuitive for users accustomed to cooperative saving and lending, reducing friction and decision fatigue. Functionally, Moni/Rank delivers flexible low-interest loans, multiple savings plan options, mobile payments, and cash insurance with instant claims—distinctive in its cohesive “money super app” posture for SMEs.
Pros & Cons
- +Savings plans yield up to 23% annual interest, higher than banks.
- +Airtime and utility bills are paid instantly within the app.
- +Community trust model improves SME loan access and affordability.
- +Safebox automates small savings, encouraging financial discipline.
- +Naira Reserve locks funds for higher long-term returns.
- −Interest rates vary, some users receive only 21%.
- −App occasionally crashes when handling multiple tasks.
- −Naira Reserve restricts withdrawals, limiting liquidity flexibility.
- −Services are Nigeria-focused, limiting international usability.
Features
Key features
- Community Circles
- join a money circle to access zero‑interest loans based on social trust
- Save Reserve
- lock funds securely to earn steady returns without distractions
- Save Flex
- save and withdraw anytime while earning interest for everyday use
- Save Goals
- set goal‑based savings plans with flexible access and returns
- Save Premium
- earn higher rates with priority support for larger or long‑term savings
- Spend & Pay
- send money instantly and manage bills (electricity, cable, internet) in one place
Additional features
- CBN‑licensed & NDIC‑insured
- regulated microfinance bank with deposit insurance for protection
- KYC & 2FA
- comprehensive identity verification and two‑factor authentication for security
- Bank‑grade encryption
- secure data protection and 24/7 fraud monitoring
- Mobile app onboarding
- quick signup, verification, and setup via the app
- 24/7 in‑app support
- message support anytime directly within the app
- Moneypedia learning hub
- education resources to build financial confidence
Pricing
Countries & Languages
Available in
Interface languages
Billing currencies
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About Moni
Moni is a money app from Rank App (Formerly Moni) designed to support community prosperity. It combines community-driven wealth opportunities, financial tools, and educational resources to help users achieve financial goals. This CBN-licensed platform is powered by Rank Microfinance Bank and Rank Capital Limited, ensuring a reliable and secure use for its users. Moni allows individuals to access financial services, connect with local communities, and learn about money management. Key capabilities: community engagement financial services educational content user-friendly interface secure transactions Best for: individuals and community groups that need accessible financial solutions and resources.
Moni Details
Moni's In-App Market Place
Does Moni have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
1
Mini Apps
NA
Pricing Options
Accepted Payment Currencies
NGN(₦), USD ($)
Pros & Cons
- Savings plans yield up to 23% annual interest, higher than banks.
- Airtime and utility bills are paid instantly within the app.
- Community trust model improves SME loan access and affordability.
- Safebox automates small savings, encouraging financial discipline.
- Naira Reserve locks funds for higher long-term returns.
- Interest rates vary, some users receive only 21%.
- App occasionally crashes when handling multiple tasks.
- Naira Reserve restricts withdrawals, limiting liquidity flexibility.
- Services are Nigeria-focused, limiting international usability.
Moni's Support Options
Email Address
hello@userank.comContact
02012297000Moni's Alternatives
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