Send money, pay bills, find the best forex rate near you, and manage your religious giving — all with just an @username. No account numbers. No friction.
Forget 10-digit virtual account numbers. With PickMoni, your @username routes payments through an encrypted internal ledger — senders never see your account number.
Six powerful features unified under one @username. No switching apps, no carrying cash, no friction.
Send to anyone using just their @username. No account numbers, no bank codes. Instant, always free.
Learn moreFind licensed Bureau de Change near you with live USD, GBP, EUR rates updated every 2 minutes.
Explore ratesFind PickMoni-verified shops near you. Pay via QR scan or NFC tap — no cash needed at checkout.
Find merchantsPay EKEDC, DSTV, MTN in one place. Auto-Remind predicts low units. One-Tap Renew handles the rest.
Pay billsVirtual sub-accounts for Tithe, Building Fund, Welfare. NFC attendance and USSD giving for all phones.
For organisationsEvery receipt is Ed25519 signed. Recipients scan the QR to verify on our public ledger — fakes are impossible.
Learn moreType a @username, enter an amount, tap send — watch the money fly from your wallet to theirs in real time.
No more calling around. PickMoni shows every licensed Bureau de Change within 5km with live buy and sell rates, updated every 2 minutes.
PickMoni's Organisation Module runs on the same rails as the main app. No separate software, no spreadsheets — just one dashboard that does everything.
Every PickMoni receipt is cryptographically signed with Ed25519. The QR on your receipt verifies against our public ledger — making fake screenshots impossible to pass off.
Three ways to pay — NFC tap, QR scan, or USSD dial. PickMoni works with any phone, on any network, with or without internet.
Hold your phone to any PickMoni terminal. Payment completes in under 1 second. No app opening needed — works from lock screen.
Dial *979# on any GSM phone — smartphone or feature phone. Send money, pay bills, give to your organisation. Always on, zero internet.
Merchants display their PickMoni QR. Scan, confirm amount, and pay — all in under 5 seconds with your camera.
"I used to dread Sundays — carrying cash to church, counting change. Now I just tap my phone at the door and my tithe is sent automatically."
"The BDC Locator is a game changer. Found a licensed BDC 300 meters away with the best rate on the street. Done in 10 minutes."
"Someone tried a fake alert on me. I scanned the QR on the receipt — PickMoni said 'Not verified'. Saved me ₦45,000 right there."
PickMoni is licensed by the Regulator as a Payment Solution Service Provider (Category A). Your funds are deposit-insured, your data is privacy-compliant, and your transfers are encrypted end-to-end.
Join 847,000+ Africans. Free to join, free to transfer. Built for every African.