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What’s New Version 1.0.33+260
- Improved sign-up and account recovery with better OTP delivery via SMS and email, more reliable recovery, and enhanced support for international numbers
- Improved verification experience with more reliable biometric checks, smoother document scanning and retries, and enhanced onboarding guidance
- Improved bank withdrawals, card activation, and wallet/card screens for a smoother payments experience
- Performance, reliability, and stability improvements across the app
Description
BMONI is like your bank, but smarter! We combine fresh thinking and modern tech like stablecoin and AI to create compliant bank-like services that are cheaper and smarter without the usual banking limitations getting in your way.
BMONI gives you a smarter way to save, spend and move your money anywhere in the world. From USD Stablecoin savings that grow your earnings, to instant transfers, global virtual, physical cards for everyday spending and other smart benefits, BMONI brings you borderless financial freedom
At BMONI, keeping your money and data safe is our top priority. Developed over two decades and recognized with 22 patents, we combine patented biometric technology, bank-grade encryption, and partnerships with licensed financial institutions to ensure every transaction is secure and every account is protected.
BMONI offers you everything you want from your money:
Multi-currency wallets
Save, send, and receive money in a Naira or USD. Create virtual NGN and USD accounts instantly. Get paid from anywhere in the world, swap between your currencies effortlessly, and manage all your money in one secure place.
Save in USD
Grow your wealth. Turn your income into stable USD savings that grow with you, helping you plan, save, and invest smarter, wherever life takes you.
Fund your wallet in Seconds with Cash or Stablecoins
Hassle-free, on the go. Fund your Naira and USD wallets instantly via bank transfer, or by sending stablecoins directly from your preferred blockchain, like Binance Smart Chain, Ethereum, or Polygon. Smart and flexible, built for how you’d like to move your money.
Global Transfers
Borderless payments, made smarter. Send and receive money anywhere in the world with transparent, low fees. Transfer funds directly into your USD account and enjoy seamless global payments. Perfect for freelancers, founders, and families who live and work beyond borders.
Smart Currency Conversion
Swap currencies in seconds. Convert between Naira and USD at competitive rates. No hidden fees, no delays, just smarter, transparent conversions whenever you need them.
Friends & Transfers
Send, Request & Connect. Add friends on BMONI to send or request funds in seconds. Whether it’s splitting a bill or paying a friend, BMONI makes it fun, social, and completely secure.
Accessibility
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Version history 25 versions
Build 887977911v1.0.33+2602026-07-08 17:34:54
- Improved sign-up and account recovery with better OTP delivery via SMS and email, more reliable recovery, and enhanced support for international numbers
- Improved verification experience with more reliable biometric checks, smoother document scanning and retries, and enhanced onboarding guidance
- Improved bank withdrawals, card activation, and wallet/card screens for a smoother payments experience
- Performance, reliability, and stability improvements across the app
Build 887744850v1.0.32+2562026-07-03 00:09:46
- Important reliability improvements and bug fixes to improve sign-in, sign-up, and account recovery.
Build 887313263v1.0.31+2482026-06-23 19:23:26
- Easier wallet funding with funding details displayed when your NGN wallet is new or inactive
- Improved onboarding and verification experience with clearer guidance, smoother NIN flow, and better biometric handling
- Pick up where you left off - if setup is interrupted, you can sign back in and continue from where you stopped
- Improved USD wallet verification and transfer flows, including clearer handling of unsupported currency pairs
- Better OTP feedback, improved reliability, and performance enhancements across the app
Build 887061467v1.0.30+2312026-06-17 18:41:31
- Smoother profile & verification screens: refreshed look for your verification status, with clearer icons and a tidier layout.
- Behind-the-scenes improvements: small refinements for a more stable experience.
Build 887010144v1.0.29+2302026-06-16 16:15:46
- Improved profile and verification experience with refreshed status screens, clearer guidance, and better support for Aadhaar, Canadian, and passport verification flows
- Improved sign-up and account recovery with smarter OTP delivery, email fallback, and more reliable verification code handling
- Smoother sending experience with improvements to USD transfers, Lebanon payouts, bank transfer fees, and swap confirmations
- Better chat experience with pinned messages, offline message caching, and improved handling of blocked contacts
- Behind-the-scenes performance, stability, and reliability improvements
Build 886589719v1.0.28+2202026-06-06 17:04:20
- Smoother onboarding - Rebuilt account setup with faster, more guided signup and identity verification.
- Send to more countries - Now pay out to Lebanon, with upfront exchange rates, transfer notes, and cleaner confirmation screens.
- Better chat & calls - Pinned messages, a dedicated Calls tab with history, one-tap calling, and improved group tools. Calls now respect silent/Do Not Disturb, plus better reactions and link previews.
- Faster verification - Quicker, more reliable identity checks, photo uploads, and one-time-code entry, with clearer guidance.
- Polished wallet & payments -Cleaner wallet cards, clearer wording, smarter limits, and more accurate currency conversions.
- Under-the-hood improvements - A lighter, more stable app with quicker updates and refinements from your feedback.
Build 886359244v1.0.27+2092026-06-01 23:39:30
- Send & Swap: add notes to bank transfers, clearer rates, and faster balance updates.
- Smoother sign-up and cards, plus a fresh wallet deposit page.
- More reliable KYC, recovery, and deeplinks.
- Chat upgrades: emoji reactions, a media & links tab, call logs, and blocked-user controls.
- Performance and stability improvements.
Build 886031576v1.0.25+1972026-05-23 04:04:30
- Redesigned cards experience with a cleaner Create Card flow, editable spend limits, and simpler card activation
- Enhanced card security with improved controls, hidden sensitive information for frozen cards, and BVN support for NGN cards
- Improved chat experience with reactions, media sharing, call logs, better offline handling, and group enhancements
- Improved transfers and swaps with clearer conversion rates, transaction descriptions, CAD wallet support, and refined wallet screens
- Performance, localization, onboarding, and reliability improvements across the app, including business authentication and biometric setup enhancements
Build 886051743v1.0.26+1982026-05-23 21:40:26
A smoother physical card add and activation experience, with wallet balances always up to date on the confirmation screen.
Build 885501445v1.0.24+1772026-05-12 09:00:11
- Refreshed BMONI branding across the app, including updated app icon, splash screens, and wallet/card visuals
- Improved physical card activation reliability
- Fixed an issue where USD onboarding could get stuck during account finalization
- Improved KYC experience with cleaner document upload and rescan flows
- Enhanced swap experience with clearer rate previews and conversion details
- Improved recipient handling along with chat and media experience refinements
- General bug fixes, performance, and stability improvements
Build 884610353v1.0.23+1632026-04-17 14:47:42
- Added a Set PIN prompt after creating a virtual card for easier setup
- Enhance security with screen protection
- Improved chat experience with delivery/read indicators and smoother contact flows
- Improved payments with clearer balance checks, funding, transfers, and swap labels
- Smoother account, card, and recovery flows with better guidance and stability
Build 884153813v1.0.22+1592026-04-05 13:55:33
- Improved KYC flow reliability, including retry support and routing fixes.
- Included multiple stability and performance improvements across the app.
Build 884036036v1.0.21+1582026-04-02 01:06:43
- Fixed an issue where the currency swap screen could remain open after a successful swap.
- We also made general improvements for a smoother wallet experience.
Build 883884390v1.0.20+1562026-03-30 15:47:39
- Improved OTP and sign-in experience for smoother verification
- Enhanced send-to-bank reliability, including fixes for US bank confirmation flow
- More consistent conversion rates and improved transfer handling
- Improved KYC guidance with clearer instructions
- Performance, stability, and reliability improvements across the app
Build 883565925v1.0.19+1532026-03-20 15:21:07
- Improved KYC accuracy with a new document crop step after passport scan
- Added quick access to support from the phone number screen
- Fixed photo selection issues on Android for more reliable uploads
- Improved exchange rate handling for NGN transactions
Build 883399338v1.0.18+1482026-03-16 17:42:55
- Search transactions by name, description, or amount with clearer exchange rate and fee display
- Updated wallet visuals and improved wallet selection in the send-money flow
- Improvements to group chats, media sharing, and call reliability
- Send videos and documents in chat, view PDFs directly in the app, and enjoy more reliable unread message indicators
- UI refinements and stability improvements across the app
Build 883134190v1.0.17+1462026-03-08 17:21:01
- Improved wallet swaps and exchange rate display for clearer conversions
- Enhanced Contacts experience
- Improved send money flow with transaction notes, clearer narration, and better fee visibility
- Added balance visibility toggle for cards, synced across wallets and remembered across sessions
- UI polish, performance improvements, and stability updates across the app
Build 882381940v1.0.16+1262026-02-18 16:31:14
- Improved card creation with clearer pricing, better progress tracking, and enhanced error messages
- Greater transparency on transaction fees and charges
- Expanded ID verification with support for more document types
- Smoother document upload experience with clearer guidance
- Clearer and more consistent transaction descriptions
- Performance and stability improvements
Build 882238088v1.0.14+1212026-02-06 23:50:14
- Stability and performance enhancements
- Improved chat support and announcements
Build 881894994v1.0.12+1152026-01-27 19:41:14
- Improved account recovery and backup handling
- Better money request detail views and transaction clarity
- Smarter NFC prompts and usability enhancements
Build 881600088v1.0.11+1122026-01-19 06:20:35
- Improved onboarding stability for a smoother navigation experience
Build 881069771v1.0.9+1032025-12-30 01:15:05
- Enhanced reliability for friend-to-friend transactions and activity visibility
- Improved contact search accuracy, including better handling of pasted phone numbers
- Smoother money request experience from the Friends screen
- Clearer feedback when entering amounts during money request acceptance
- Improved stability and accuracy for currency swaps
- Contact names now match your saved phonebook entries for easier recognition
- More accurate currency display for cross-border transactions
- Streamlined the Add New Friend flow by refining recipient save prompts
- Refined post-signup wallet routing for a smoother Nigeria onboarding experience
- Improved Send Money button responsiveness across USD and RMD receipt screens
- More intuitive validation behavior during the Send Money flow
- Enhanced sign-in stability following sign-out and failed authentication attempts
Build 880678396v1.0.8+952025-12-15 18:00:50
- Fixed the login issue preventing some users from accessing the app
- Differentiate between Fund with BMoni and Swap
- Fix on swap
- Profile page UI update.
- Fix the incorrect amount showing on "Send to bank" confirmation.
- Fix reported bugs
Build 880349385v1.0.7+932025-12-06 20:27:55
Fix issues and general app improvements
Build 880157124v1.0.6+912025-11-29 01:46:32
- Fix Bugs and introduced general improvements
No pricing data captured yet — comparisons appear once the app has paid storefronts or in-app purchases.
Availability 1 of 1 storefronts
| Region | Language | Price | Ratings | Avg | Version |
|---|---|---|---|---|---|
| US | en-US | Free | 7 | 3.6 | 1.0.33+260 |
Change log 28 changes · US
✎
releaseNotes updated
- Improved sign-up and account recovery with better OTP delivery via SMS and email, more reliable recovery, and enhanced support for international numbers
- Imp
✎
description updated
BMONI is like your bank, but smarter! We combine fresh thinking and modern tech like stablecoin and AI to create compliant bank-like services that are cheaper a
✎
name updated
BMONI by Bkey
◆
Version 1.0.33+260 released
- Improved sign-up and account recovery with better OTP delivery via SMS and email, more reliable recovery, and enhanced support for international numbers
- Improved verification experience with more reliable biometric checks, smoother docu
◆
Version 1.0.32+256 released
- Important reliability improvements and bug fixes to improve sign-in, sign-up, and account recovery.
◆
Version 1.0.31+248 released
- Easier wallet funding with funding details displayed when your NGN wallet is new or inactive
- Improved onboarding and verification experience with clearer guidance, smoother NIN flow, and better biometric handling
- Pick up where you lef
◆
Version 1.0.30+231 released
- Smoother profile & verification screens: refreshed look for your verification status, with clearer icons and a tidier layout.
- Behind-the-scenes improvements: small refinements for a more stable experience.
◆
Version 1.0.29+230 released
- Improved profile and verification experience with refreshed status screens, clearer guidance, and better support for Aadhaar, Canadian, and passport verification flows
- Improved sign-up and account recovery with smarter OTP delivery, ema
◆
Version 1.0.28+220 released
- Smoother onboarding - Rebuilt account setup with faster, more guided signup and identity verification.
- Send to more countries - Now pay out to Lebanon, with upfront exchange rates, transfer notes, and cleaner confirmation screens.
- Bet
◆
Version 1.0.27+209 released
- Send & Swap: add notes to bank transfers, clearer rates, and faster balance updates.
- Smoother sign-up and cards, plus a fresh wallet deposit page.
- More reliable KYC, recovery, and deeplinks.
- Chat upgrades: emoji reactions, a media &
◆
Version 1.0.26+198 released
A smoother physical card add and activation experience, with wallet balances always up to date on the confirmation screen.
◆
Version 1.0.25+197 released
- Redesigned cards experience with a cleaner Create Card flow, editable spend limits, and simpler card activation
- Enhanced card security with improved controls, hidden sensitive information for frozen cards, and BVN support for NGN cards
◆
Version 1.0.24+177 released
- Refreshed BMONI branding across the app, including updated app icon, splash screens, and wallet/card visuals
- Improved physical card activation reliability
- Fixed an issue where USD onboarding could get stuck during account finalization
◆
Version 1.0.23+163 released
- Added a Set PIN prompt after creating a virtual card for easier setup
- Enhance security with screen protection
- Improved chat experience with delivery/read indicators and smoother contact flows
- Improved payments with clearer balance c
◆
Version 1.0.22+159 released
- Improved KYC flow reliability, including retry support and routing fixes.
- Included multiple stability and performance improvements across the app.
◆
Version 1.0.21+158 released
- Fixed an issue where the currency swap screen could remain open after a successful swap.
- We also made general improvements for a smoother wallet experience.
◆
Version 1.0.20+156 released
- Improved OTP and sign-in experience for smoother verification
- Enhanced send-to-bank reliability, including fixes for US bank confirmation flow
- More consistent conversion rates and improved transfer handling
- Improved KYC guidance wit
◆
Version 1.0.19+153 released
- Improved KYC accuracy with a new document crop step after passport scan
- Added quick access to support from the phone number screen
- Fixed photo selection issues on Android for more reliable uploads
- Improved exchange rate handling for
◆
Version 1.0.18+148 released
- Search transactions by name, description, or amount with clearer exchange rate and fee display
- Updated wallet visuals and improved wallet selection in the send-money flow
- Improvements to group chats, media sharing, and call reliabilit
◆
Version 1.0.17+146 released
- Improved wallet swaps and exchange rate display for clearer conversions
- Enhanced Contacts experience
- Improved send money flow with transaction notes, clearer narration, and better fee visibility
- Added balance visibility toggle for c
◆
Version 1.0.16+126 released
- Improved card creation with clearer pricing, better progress tracking, and enhanced error messages
- Greater transparency on transaction fees and charges
- Expanded ID verification with support for more document types
- Smoother document
◆
Version 1.0.14+121 released
- Stability and performance enhancements
- Improved chat support and announcements
◆
Version 1.0.12+115 released
- Improved account recovery and backup handling
- Better money request detail views and transaction clarity
- Smarter NFC prompts and usability enhancements
◆
Version 1.0.11+112 released
- Improved onboarding stability for a smoother navigation experience
◆
Version 1.0.9+103 released
- Enhanced reliability for friend-to-friend transactions and activity visibility
- Improved contact search accuracy, including better handling of pasted phone numbers
- Smoother money request experience from the Friends screen
- Clearer fe
◆
Version 1.0.8+95 released
- Fixed the login issue preventing some users from accessing the app
- Differentiate between Fund with BMoni and Swap
- Fix on swap
- Profile page UI update.
- Fix the incorrect amount showing on "Send to bank" confirmation.
- Fix reported
◆
Version 1.0.7+93 released
Fix issues and general app improvements
◆
Version 1.0.6+91 released
- Fix Bugs and introduced general improvements