Built for Africa · multi-currency
One account for every currency and every bank you use.
Hold USD, EUR, GBP and African currencies beside the bank accounts you already have at UBA, GTBank, Zenith and Access. Monifuse rolls them into one General Balance — and you decide, account by account, what it can spend.
- USD
- EUR
- GBP
- NGN
- GHS
- KES
- ZAR
- XOF
- EGP
General Balance
Across 6 accounts · 4 currencies
US Dollar
Account ·· 4471
$12,480.50
Monifuse account
The problem
African money is scattered across a dozen apps that don't talk to each other.
A dollar account here. A naira account there. A different app for the bank you've held since university, and four more for the bills that come every month. Nobody has a single honest answer to the simplest question: how much money do I actually have?
- 5banking apps for one household's money
- 3separate wallets before a single dollar transfer clears
- 4more apps just to buy airtime, data, power and cable
Monifuse replaces the stack with one account, one balance and one set of controls — without asking you to abandon the banks you already trust.
How it works
Four steps from download to spending anywhere.
No branch visit, no paperwork queue, no separate app per bank. Most people are fully set up in a single sitting.
Phone number
+234 803 ••• 4412
Full name
Adaeze Okonkwo
Account type
Personal
Accounts & General Balance
Every account visible. One balance that spends.
Currency accounts and linked banks each keep their own account number, balance and history. The General Balance is the sum of everything you've unlocked — so a locked savings account still shows up, but nothing can spend from it.
Try it
Toggle the lock on any account on the right and watch the spendable balance respond.
Spendable General Balance
$27,908.60
of $30,627.35 held · 1 account(s) locked
- USD
US Dollar
Account ·· 4471
$12,480.50
Monifuse account
- EUR
Euro
IBAN ·· 9032
€6,320.00
Monifuse account
- GBP
Pound Sterling
Sort code ·· 21
£2,140.75
Monifuse account
- NGN
Nigerian Naira
Account ·· 7788
₦8,450,200
Monifuse account
- UB
UBA
Linked · consent active
₦3,120,400
Linked bank
- GT
GTBank
Linked · consent active
₦1,874,600
Linked bank
AI bank linking
Connect any bank in under a minute — without handing over a password.
Most platforms treat multi-bank connectivity as an afterthought. It's the centre of Monifuse. The assistant handles the hard part; your bank still handles your credentials.
No credentials
Nothing to store, so nothing to leak.
Revocable
Unlink in a tap — at Monifuse and at your bank.
Verified to you
Identity cross-checked before a link goes live.
Transfers & FX
The rate you see is the rate you send at.
Mid-market rates with the margin printed on the quote, fees before you confirm, and a receipt you can actually show someone. Local rails settle in seconds; international payouts route through licensed partners.
Monifuse to Monifuse
Instant and free, by tag or phone number
Instant local rails
NIP in Nigeria, GhIPSS, PesaLink, PayShap
International
SWIFT and local-clearing payout partners
Scheduled & recurring
Rent, salaries, subscriptions — set once
You send
USD
$500.00
- Mid-market rate
- 1 USD = 1,563.4 NGN
- Monifuse fee (0.4%)
- $2.00
- Arrives
- Seconds
Recipient gets
₦778,573
Everyday utility
The app you already open every day.
A wallet is only useful if it handles real life. Monifuse pays the bills that actually arrive — and learns your usage well enough to suggest a cheaper bundle before you buy the same one again.
Coverage rolling out across Nigeria, Ghana, Kenya, South Africa and francophone West Africa.
Airtime
All major telcos, carrier auto-detected
Data
Full plan catalogues per carrier
Electricity
Prepaid tokens and postpaid bills
Cable & TV
Renew in a tap, or set it to auto
Betting & levies
Wallet top-ups and government levies
Scheduled bills
Recurring debits with reminders
Where are you going? · 200+ destinations
Scan to activate
Your eSIM profile is issued the moment you pay - scan the QR, or install straight to an iPhone in one tap. No roaming bill, no airport SIM queue.
Travel eSIM
Land connected, paid for from the same balance.
Real carrier inventory through our Airalo partnership - 200+ destinations, charged from any wallet you hold. No third-party checkout, no unfamiliar currency, no surprise conversion fee.
Pay in your currency
Charge the wallet that's cheapest for you today
Instant issuance
QR and one-tap iPhone install, reinstallable any time
Top up mid-trip
Extend data without changing profile or number
Live usage
Remaining data and expiry pulled straight from the carrier
Cards
A card that picks the cheapest currency for you.
Virtual instantly, physical on request. Both spend from your General Balance and, abroad, auto-select the wallet with the lowest total cost for that purchase.
Auto currency pick
USD chosen · saves $3.40 on this purchase
3D Secure
In-app approval, no SMS codes
Employee cards
Business issues expense cards with own limits
Card controls
Monthly spend limit
$1,200
Daily and per-transaction ceilings available too.
Merchant locks
Block a merchant without touching the rest of your card.
Recent card activity
- SpotifyUSD wallet-$10.99
- BoltNGN wallet-₦4,300
- Booking.comEUR wallet-€118.00
Savings
Put money somewhere it can't be casually spent.
Goals, fixed deposits and automatic round-ups sit beside your wallets. Lock a savings account and it stays visible in your total but out of reach of cards and transfers.
Rent 2027
₦350,000 monthly
₦4,218,400
of ₦7,200,000 target
Tuition
$250 monthly
$3,150.00
of $6,000.00 target
Travel fund
£40 weekly
£620.00
of £2,500.00 target
Fixed deposits
- 30 daysNGN9.5% p.a.
- 90 daysNGN12.0% p.a.
- 180 daysNGN14.2% p.a.
- 90 daysUSD4.1% p.a.
Round-ups
Every card payment rounds up to the nearest ₦100 and the difference goes into the goal you pick. Small enough not to notice, steady enough to matter.
AI assistant
It watches the boring details so you don't have to.
The same assistant that links your banks reads your patterns: cheaper bundles before you repeat a purchase, better conversion timing, and anything that doesn't look like you.
Suggestions only. Nothing moves, converts or cancels without you approving it, and you can turn any category of nudge off.
Spend insight
Data is up 34% this month
You've bought three 10 GB bundles in 18 days. A 30 GB monthly plan would have cost ₦4,200 less.
USD → NGN is better than your 30-day average
Converting $2,000 today lands ₦61,400 more than your last conversion at the same size.
Unusual card attempt blocked
A merchant in a country you've never transacted in tried a $480 charge. We held it and froze nothing else.
For business
Collect in any currency. Pay out in one batch.
Payment links and invoices for getting paid, bulk payouts for paying everyone, role-based access for the team, and an API when you outgrow the dashboard.
Payment link
Invoice INV-2041 · Kola Studios
$2,400.00
Due in 7 days · pay in USD, NGN, GHS or KES
Card
Visa · Mastercard
Transfer
Local rails
Monifuse
Instant, free
Payout batch · 5 of 128
One approval
Adaeze O.
GTBank ·· 4412
₦420,000
PaidKwame A.
Ecobank GH ·· 8891
₵3,200
PaidWanjiru M.
KCB ·· 2210
KSh 96,000
PaidThabo N.
FNB ·· 7745
R 18,400
ProcessingChidi E.
UBA ·· 1103
₦185,000
Queued
Team & roles
Owner, Admin, Finance, Support, Viewer permissions
API & webhooks
Keys, sandbox, signed event delivery
Settlement reports
Daily reconciliation exports per currency
Payroll
Schedule salaries across countries in one run
Security & trust
Boring where it counts.
Money infrastructure should be unremarkable in the best way: quiet, predictable, and impossible to talk your way into.
Fraud caught as it happens
Every movement is scored in real time — unusual velocity, a device you've never used, a login that couldn't physically be you.
Encrypted end to end
Sensitive data is encrypted at rest and in transit. Consent tokens live in a hardware vault, scoped and time-bound.
Nothing to steal
Monifuse holds no bank login credentials, anywhere in the system. Not encrypted — simply never collected.
You hold the keys
Revoke a linked account, sign out a device, or freeze a card instantly, from your phone.
Pricing & questions
Every fee, written down.
No hidden spread, no monthly account charge, no fee that only appears on the receipt.
What
Cost
Monifuse to Monifuse
Any currency, instant
Free
Local bank transfer
Capped per transfer
From ₦10
International payout
Plus partner charge shown upfront
0.9%
Currency conversion
Mid-market rate, margin shown before you confirm
0.4% – 0.6%
Virtual card
$1 monthly maintenance
Free to issue
Physical card
Delivery quoted at checkout
$8 once
Bills & airtime
Provider price, with cashback on select bundles
No added fee
Account maintenance
All currency wallets and linked banks
Free
No. Linking hands you off to your bank's own secure sign-in. Your credentials are entered on your bank's page, never on ours, and nothing is stored on our side.
- 9
- currencies at launch
- 12+
- banks connectable at launch
- 6
- countries in first rollout
- <60s
- to link a bank account
“I ran three banking apps and a dollar wallet to pay one set of suppliers. Now I open one account, and everything I hold is on the same screen.”
Get the app
One app for every currency, every bank, every bill.
Available on iOS and Android at launch, with the full web app for business accounts.
Scan to download
Points to the right store for your device.
Stop counting your money across five apps.
Open a Monifuse account, link the banks you already use, and see everything you hold in one balance.
Free to open · no minimum balance · unlink any bank at any time