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For Customers
nuMoni is a digital reward wallet that gives you 5% extra value every time you top up. You can spend your rewards at partner stores, send to friends, or donate to causes — all without cash withdrawals.
Simply download the nuMoni app and register your account to view available merchants and deals.
When you top up ₦10,000, we credit your nuMoni wallet with ₦10,500 instantly. You can use it across any partner merchant.
Rewards can only be spent within the merchant ecosystem, sent using P2P, or donated to a registered charity in the platform.
You can spend at any of our partner stores nationwide including pharmacies, supermarkets, salons, boutiques, and more. Just look for the nuMoni badge or search in-app.
Your nuMoni balance remains valid as long as your account stays active. Balances on inactive wallets will expire after 3 years.
Yes, you can send rewards using P2P to any nuMoni user, no transfer fees attached.
Yes. You can donate to any of our registered charity partners directly through the app.
Yes. We use bank-grade encryption, secure data storage, and identity verification to keep your wallet and transactions safe.
You can recover your account by contacting support. Your wallet is linked to your phone number and secure PIN or biometrics.
For Merchants
nuMoni drives high-frequency shoppers to your store with upfront rewards. Customers are already “loaded” with value to spend, so you’re their first stop.
There are no upfront costs. You only provide a 10% value discount on redeemed rewards, and you receive instant settlement for every transaction.
Same-day settlements are made instantly to your bank account, minus our handling charge.
Absolutely. Every merchant gets a free profile page on the app, complete with your logo, business description, social media handles, and reviews.
You get access to a real-time dashboard to track redemptions, customer traffic, and settlement summaries.
Yes. You have full flexibility to opt out or temporarily suspend your listing.
Our merchant success team is available 24/7 to support onboarding, performance optimization, and technical help.
Contact our team or fill the onboarding form in-app or on our website. Our team will help with KYC, training, and activation within 48 hours.
Platform & General
nuMoni is not a bank, savings, investment, or an e-money platform. It’s a closed-loop, reward-based value platform pegged 1:1 to Naira, operating within a merchant ecosystem.
There are, refer to our terms and conditions.
nuMoni partners exclusively with licensed fintech banks and regulated payment processors for settlement and compliance, while upholding full KYC, AML, and data-protection standards in line with FCCPC and NDPC regulations.
nuMoni earns revenue through a performance-based system fee on transactions processed within our ecosystem. This supports platform operations, rewards users instantly, and powers continuous merchant growth services.
Contact our team or use our self-service option on our website or app.
You can reach us via email or phone via +2347080637553. We’re available to help with any issue.
