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answers
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, register your account, or browse in Guest Mode 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.
No. nuMoni is a closed-loop reward wallet. Rewards can only be spent within the merchant ecosystem, sent P2P, or donated.
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.
Never. Your nuMoni balance stays valid as long as your account is active.
Yes, you can send rewards P2P to any nuMoni user, no fees, no limits.
Yes. You can donate your rewards 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.
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 handles, and reviews.
You get access to a real-time dashboard to track redemptions, customer traffic, and payout 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 or e-money wallet. It’s a closed-loop, reward-based value platform pegged 1:1 to Naira, operating within a merchant ecosystem.
Yes. Guest Mode allows you to explore deals, merchant profiles, and promotions before signing up.
No. You can send rewards freely to any nuMoni user, with no limits or fees.
nuMoni operates in partnership with licensed fintech banks that handle settlement and compliance. We maintain full KYC, AML, and data privacy protocols.
We charge a 10% system commission on all transactions, which funds the 5% reward to users and supports merchant growth services.
You can reach us via in-app chat, email, or phone. We’re available 24/7 to help with any issues.
