Phosmonie Card Services

PhosMonie Card Services — Three Cards. One Lifestyle.

Wherever you are, whatever you do — PhosMonie Cards give you complete financial freedom with secure, convenient payment solutions tailored for Nigerians.

PhosMonie Physical Debit Card

Nationwide Access

Withdraw cash from any ATM across Nigeria effortlessly whenever you need it.

Easy Shopping

Use your card at supermarkets, malls, and fuel stations for hassle-free purchase

Real-Time Tracking

Monitor your spending live through the convenient PhosMonie app.

Card Management

Freeze, unfreeze, or change your PIN quickly from your phone for full control

Top-Grade Security

Enjoy peace of mind with top-tier protection for your money.

PhosMonie Virtual Dollar Card

Global Payments

Pay easily for Netflix, Amazon, Spotify, and other international services.

Instant Access

Create your virtual card and top it up instantly.

Freelancers & Students

Perfect for online shopping, subscriptions, and global transactions in USD.

Fraud Protection

Built-in alerts keep your account secure while you shop globally.

PhosMonie Virtual Naira Card

Local Online Shopping

Pay safely on Jumia, Bolt, Flutterwave, and Nigeria’s favorite websites hassle-free.

Secure & Private

Your virtual card safeguards your main account while giving you flexibility

Instant Setup

Get your virtual card ready within minutes—no paperwork, no queues, all digital.

Real-Time Alerts

Stay informed of every transaction with instant notifications.

Why PhosMonie Cards

Top Security

Bank-level encryption protects your funds 24/7.

Fast Transactions

Enjoy instant payments and withdrawals without delays.

Full Mobile Control

Manage cards anytime through one easy app.

Global & Local Use

Spend confidently on local Nigerian and international platforms.

How to Get Started with PhosMonie Cards

Download App

Available on Android and iOS for quick and simple setup..

Step 01

Create Account

Step 02

Select Your Card

Choose from physical, virtual naira, or virtual dollar cards.

Step 03

Start Spending

Load your wallet and enjoy seamless payments or withdrawals immediately.

Step 04

Who Benefits Most from PhosMonie Cards?

Students & Freelancers

Pay international subscriptions and receive payments quickly with ease.

Everyday Shoppers

Shop securely online and offline with instant spending controls.

Remote Workers

Manage funds globally without currency conversion worries or delays.

Business Owners

Control employee spending and streamline expense tracking with virtual cards.

How to Get Started with PhosMonie Cards

Get started with your favorite PhosMonie card now. Enjoy secure payments, instant access, and full control over your money — all within one powerful app designed for Nigerians.