Trusted by over 2M+ users
Transforming Payments, Empowering Dreams
Unleash the power of seamless, secure, and innovative financial services with PhosMonie – the fintech solution revolutionizing the way you access and manage your money in Nigeria. Empowering your aspirations, one transaction at a time.
Transaction Made Easy
PhosMonie is the ultimate finance app that gives you total control over your finances. It covers everything from instant transfers and bill payments to flight booking, betting and POS all designed to make your financial life easier. With advanced security and a user-friendly interface, managing your money has never felt so effortless.
Amazing Features, Unbeatable Services
Manage and pay for different bills like your TV subscriptions, internet, and other utility expenses, all from one place
Utilize a dependable electronic Point-of-Sale (e-POS) system for smooth business transactions and cash withdrawals.
Buy, sell, or redeem gift cards for top brands with great rates and quick processing times.
Reserve domestic and international flight tickets at fantastic prices, complete with real-time availability and secure payment options
Fund your betting accounts quickly and securely with swift transactions that support multiple betting sites.
Obtain secure physical and virtual debit cards for both online and offline transactions, giving you convenience and control over your finances.
PhosMonie Card Services
Access your money anytime, anywhere with PhosMonie’s Physical, Virtual Naira, and Virtual Dollar Cards. Enjoy secure, cashless payments with transparent fees and full control through the Phosmonie app.
PhosMonie brings you an impressive range of cards that offer you the freedom to spend how you want, while keeping your transactions secure and giving you access to the world—whether you’re shopping online, in a store, or traveling abroad. The PhosMonie Virtual Dollar Card opens the door to the global marketplace. It’s funded in Naira and converted to USD, making it perfect for international shopping, streaming, advertising, and so much more.
PhosMonie Betting Funding
Phosmonie isn’t just a payment app — it’s your all-in-one financial companion built for speed, convenience, and lifestyle. With Betting Account Funding, you can top up your favorite betting platforms directly from your Phosmonie wallet in seconds.
Why wait when every second matters? With Phosmonie, you can instantly fund your betting account, allowing you to secure your predictions and pursue your wins without any hold-ups. Available around the clock, it offers top-notch security and supports all major betting platforms, making it a smarter choice for managing your bets.
PhosMonie Flight Booking
Do you have to catch an international aircraft or travel across Nigeria? Booking flights is no longer difficult when you use Phosmonie. With safe payments, reasonable prices, and real-time availability, Phosmonie puts instant flight booking in your hands from Lagos to Abuja, Port Harcourt to Accra, Dubai to London.
No matter if you’re a student returning home, a business traveler, or a tourist on the hunt for new adventures, Phosmonie lets you take control of your flying experience. Say goodbye to stress and hidden fees. Enjoy quick, easy, and secure flight bookings.
PhosMonie Gift Cards
Phosmonie offers a simple and dependable way to purchase digital gift cards for yourself or your loved ones—whenever and wherever you need them. Whether you’re shopping online, subscribing to your favorite streaming services, diving into gaming, or sending a thoughtful present, Phosmonie ensures the whole experience is quick, secure, and hassle-free.
At Phosmonie, we’re committed to making digital transactions easy and secure. Every gift card sold is sourced from verified suppliers and delivered directly to your account — no third-party risks, no delays, no scams.
Trusted by Our Customers
With a growing base of satisfied users, PhosMonie has earned a reputation for excellence, delivering a secure and reliable financial experience that meets the needs of our diverse clientele.
My name is Aisha and I operate a grocery store here in Kaduna, my grocery store offers not just food but joy. The quick checkouts turn rush hours into happy hours. This app doesn’t just handle transactions; it enhances my customers' shopping experience, bringing smiles every day
I’m a Civil Engineer, and I often work in remote sites across Nigeria, far from my family. Using PhosMonie app to instantly transfer funds and pay bills has keeps me connected to my loved ones without the worry of financial logistics
My customers can pay for their rides digitally in Onitsha, which means I’m never slowed down by cash issues. This app is not just simplifying payments; it’s accelerating my journey to becoming a top transport provider in my city
I run a small boutique in Lagos, and I use to struggle with managing multiple payment solutions until I discovered PhosMonie. I’m able to streamline all transactions into one reliable platform, enhancing my business efficiency and customer satisfaction. Now, my fashion business is doing well because I’m able to focus more on my passion—fashion
Frequently Asked Questions
PhosMonie employs advanced security measures including SSL encryption, two-factor authentication (2FA), and continuous monitoring to protect your financial information. We adhere to Nigeria's cybersecurity guidelines and NDPR (Nigeria Data Protection Regulation) to ensure your data is securely handled and safeguarded at all times
Your personal information is used solely for providing and improving our services, such as processing transactions and enhancing user experience. Access to your data is restricted to authorized personnel only and is governed by strict privacy policies in compliance with NDPR. We do not sell your information to third parties
PhosMonie provides a transparent fee structure. There are no hidden fees. We charge minimal fees for transactions such as transfers and withdrawals, and full details are provided upfront. Our fee schedule is available on our app and website for your convenience.
Our customer service is accessible 24/7 via multiple channels including a dedicated call center, live chat on our app and website, and email. We strive to ensure that support is always available whenever you need assistance.
Our Partners are backed by Strong Authorities
