Cards

A Moniepoint card is a Naira debit card you can use for ATM withdrawals, POS payments, online purchases, card transfers, and subscriptions.

There are three types of Moniepoint Cards available: Verve, Mastercard and Afrigo. All perform the same functions. Mastercard is accepted on more platforms globally. Verve and Afrigo works on platforms that accept it or charge in Naira.

To request a Moniepoint card, follow the steps below:

1. Log in to the app.
2. Navigate to the cards section of the app, click the + icon, and select “New Card Request.”
3. Select the card type you wish to have, either a physical or virtual card, and click the icon below to proceed.
4. Select how you wish to collect your card: “Deliver Card to Me” or “Collect Card from Sales Agent.”
5. For the “Deliver card to me” option, ensure you fill in the requested details.

Please note that this option costs 2000 naira, 1000 naira for the card, and 1000 naira for delivery.

1. Choose a delivery date and time that would be suitable for you to receive your card from the logistics partner.
2. Input a name you would like for your card; please note that Moniepoint cards do not carry names on them; this name will be seen on the app and not on the card.
3. Once all details have been inputted, move on to the payment section.
4. Once payment has been made, the logistics partner’s details will be seen on the app, and you can contact them to request an update on the delivery of your card.
5. For the “Collect card from Sales Agent” option, enter the sales agent’s account number and proceed to the next section. A code will then be generated, and once it is confirmed, the card can then be activated.

Open the Moniepoint app and click on the Cards section which can be found in the bottom navigation menu. Please note that you will need the card serial number, found on the back of your physical card or the paper in the envelope your card comes in, to complete activation.

On the Cards page, under “Pending Activation" click “View Details.”

1. Click the “Activate Card” icon.
2. When the “Have you received the card” message pops up, click "Yes, I have” if the card has been received.
3. The Delivery Code section comes up; give the code to the logistics partner who delivered the card, or click “Continue with Activation.”
4. Under “Activation Code," either scan the QR code or enter the activation code, which can be found on the letter that comes with the card envelope and click “Next” to go to the next section, which is to set up your card pin.
5. On the “Set your Card PIN” section, input your card pin and confirm your card pin.
6. Once that is done, input your transaction pin to complete your card activation. Note that the transaction pin is also known as the user pin; it is the pin the customer uses to make a transfer who delivered the card or click “Continue with Activation.”
7. Under “Activation Code," either scan the QR code or enter the activation code, which can be found on the letter that comes with the card envelope and click “Next” to go to the next section, which is to set up your card pin.
8. On the “Set your Card PIN” section, input your card pin and confirm your card pin.
9. Once that is done, input your transaction pin to complete your card activation. Note that the transaction pin is also known as the user pin; it is the pin the customer uses to make a transfer.

Open the Moniepoint app, go to the Cards section, and enter your transaction PIN to view your card details. Use those details (card number, expiry, CVV) to complete the payment on the website or app.

You can reset your card PIN through the Moniepoint app. To reset your card pin:

1. Log in to your App.
2. On your dashboard, click on cards.
3. Click on the card within the active card section.
4. Click on Card Settings.
5. Click on Reset Pin.
6. Enter the OTP sent to your registered phone number.
7. Enter your new PIN twice and save.

Do not hesitate to contact us if you have any further questions or require additional information.

To change your card limit, follow the steps below:

1. Log in to your App.
2. On your dashboard, click on cards.
3. Click on the card within the active card section.
4. Click on Card Settings.
5. Click on Card Limits.
6. Change the Daily, Weekly or Monthly Limit.
7. Click confirm after changing a limit to save the new limit.

1. Maximum Single Transaction Debit Limit: The maximum single debit limit is ₦100,000 per transaction. This limit is in place to help protect against fraud.
2. Weekly ATM Cash Withdrawal Limit: The maximum weekly cash withdrawal across all banks is ₦500,000 for individuals. However, individual ATM machines typically have their own per-transaction cap of around ₦20,000.
3. POS Withdrawal Limits: POS transaction limits are generally higher than ATM limits. You can withdraw larger amounts via a POS terminal in a single transaction than you can at an ATM.

Personal account holders can have a maximum of 1 active card at a time. Across all account types, you can receive up to 2 new cards per quarter (every 3 months).

Each card is linked to a single account. If you open a new account, you will need a separate card for that account.

You can use your Moniepoint card for various transactions such as:

• ATM cash withdrawals

• POS payments and withdrawals

• Online and web payments

• Subscriptions and recurring payments

• Card transfers

You can block your card through the Moniepoint app by going to the Cards section and selecting the block or freeze option.

1. Log in to your app
2. Navigate to the Cards section
3. Click on your active card
4. Click on Block Card
5. Then follow the prompts.

If you cannot access your app, dial the USSD code *557*3# or contact Moniepoint customer support immediately to request an emergency block.

Kindly follow the steps below to unblock your Moniepoint Expense card;

1. Click on 'cards ' section and select the card details you want to unblock 
2. Click on 'unblock card'
3. Enter the OTP sent to your registered phone number and submit.

Do not hesitate to contact us if you have any further questions or require additional information.

Your physical card shows only the Moniepoint logo and card type logo (Verve, Mastercard or Afrigo) on the front, and the card serial number on the back. It does not display your card number, name, or expiry date.

To see your full card details including the card number (PAN), name, and expiry date:

1. Log in to your Moniepoint app
2. Select Cards from the dashboard
3. On the Cards page, go to the Physical Cards section
4. Click the Details option
5. Enter your transaction PIN to successfully view the card details

Moniepoint cards are Naira debit cards. Mastercard can be used on international platforms, while Verve and Afrigo is limited to platforms that accept Verve and Afrigo or charge in Naira.

1. Block your card immediately through the Moniepoint app
2. Contact Moniepoint customer support right away through any of our support channels
3. Report the incident to the fraud team by sending an email to [email protected]
4. Provide any screenshots or evidence you have when reporting.

Obtain the declined receipt from the merchant's POS machine or app, this is not available in your Moniepoint app. Contact Moniepoint's customer support and provide the declined receipt as evidence for faster resolution.

First confirm whether the transaction was successful or failed. If the transaction failed, submit a refund request via the Moniepoint app. If it was successful but you received no value, contact the merchant directly to request a refund.

Refund requests on the app are strictly for failed transactions. They cannot be used for successful transactions where you simply no longer want the product or service.

Submit a refund request through the Moniepoint app as soon as possible. If you cannot access the app, contact customer support and the complaint will be escalated to the responsible team for resolution.

Check that your card is activated and your account has sufficient funds. Also confirm the terminal accepts your card type (Verve or Mastercard).

If the problem persists, contact Moniepoint customer support with your masked card PAN and transaction details.

Share your official Temu refund evidence with Moniepoint customer support. The support team will escalate to an internal team for investigation. If your refund cannot be traced, they will contact Temu directly using your evidence for confirmation and resolution.

Since Temu has already issued a refund, do not raise a chargeback. Doing so could complicate the resolution process.

You must first cancel the subscription directly through Google Play. Google will then process the refund and send an automated receipt to your registered email. Provide this receipt to Moniepoint customer support to proceed.

A valid refund receipt must clearly show: item, amount refunded, payment method, order date, and order number. Any document missing these details will be rejected. If you cannot find the email, check your Spam or Junk folder, or request the receipt again from Google Play.

A declined receipt is the receipt printed by the merchant's POS machine or provided by the merchant's app when a transaction fails. It is not found in your Moniepoint app, you must obtain it directly from the merchant or business where the transaction was attempted.

For same-day failed transactions, wait 24 hours before raising a refund request. For disputes already logged, follow up with customer support if the refund has not reflected within the expected timeframe.

A dispute is when you report a problem with a card transaction, such as being charged incorrectly, not receiving what you paid for, or a transaction you did not authorise. Moniepoint's cards team investigates and may process a chargeback (reversal of funds) if your claim is valid.

Card disputes must be raised within 120 days of the transaction date. Transactions older than 120 days cannot be logged on the dispute management system, though the cards team can still send a query to the bank on your behalf. Note that resolution is not guaranteed for transactions beyond 120 days.

If the transaction was successful and you received the goods or service, Moniepoint cannot raise a chargeback on your behalf. You would need to contact the merchant directly for a refund. The dispute process applies to failed, duplicate, or fraudulent transactions only.

An unauthorised transaction is one you did not approve, such as a debit caused by a stolen card, compromised card details, or identity theft. Signs include charges from unusual locations, debits you have no knowledge of, or transactions you received no benefit from.

If your card was used for a web transaction you did not authorise, here is what you can do:

1. Contact Moniepoint customer support immediately.
2. Support will ask whether you have your card details saved on any website or platform.
3. If you confirm you did not authorise the transaction, a complaint is logged and escalated for investigation.

A chargeback is a reversal of funds from a transaction you dispute. It is processed by your bank or payment provider if you have an unresolved issue with a merchant.

Do not hesitate to contact us if you have any further questions or require additional information.

Request a chargeback if:

1. You were charged twice for the same transaction.
2. The goods or services were not delivered.
3. Cash is not dispensed from ATMs
4. You did not authorize the transaction.
5. Unauthorized transactions (non-fraud related).

Do not hesitate to contact us if you have any further questions or require additional information.

You can submit a request through our app by disputing the specific transaction or by contacting any of our support channels. Please Include all relevant transaction details.

Do not hesitate to contact us if you have any further questions or require additional information.

No. Never share your full card number, expiry date, CVV, or PIN with anyone, including people claiming to be Moniepoint staff. Moniepoint staff will never ask for your full card details. When reporting an issue, always provide only your masked card PAN (with asterisks), not the full number.

Moniepoint card details are not displayed on the physical card. To complete any web transaction, someone would need to access your Moniepoint app and retrieve the card details using your transaction PIN.

If an unauthorised web transaction occurred, consider whether someone may have had access to your app or login credentials. If you are unsure who made the transaction, please contact Moniepoint customer support immediately.

1. The transaction details should include the account number, date, amount, and the CBA reference.
2. If applicable, provide evidence of any communication with the merchant.
3. If the claim is a partial or full disbursement, or if the merchant failed to provide value, provide a detailed explanation for your dispute.

Do not hesitate to contact us if you have any further questions or require additional information.

Yes, chargebacks must generally be filed within 120 days of the transaction date otherwise the chargeback rights will be lost.

Do not hesitate to contact us if you have any further questions or require additional information.

No, we do not charge fees for initiating a chargeback.

Do not hesitate to contact us if you have any further questions or require additional information.

1. Our team will review your request.
2. If valid, we will forward the case to the merchant’s bank.
3. You’ll receive status updates through our app or the support team.

Do not hesitate to contact us if you have any further questions or require additional information.

No, refunds will be available following the resolution of the chargeback claim, if applicable.

Do not hesitate to contact us if you have any further questions or require additional information.

Generally, subscription disputes are not eligible unless there was fraud or a clear violation of terms and condition by the merchant.

Do not hesitate to contact us if you have any further questions or require additional information.

If the merchant provides evidence to refute your claim, we will notify you and may request additional information from you to proceed with the case.

Do not hesitate to contact us if you have any further questions or require additional information.

The process depends on the acquirer's (Merchant Bank) feedback on the transaction. Once we receive the settlement and the other institution (Merchant Bank) agrees that the transaction failed, we will process the reversal. If not, we will provide an approved receipt to signify a successful transaction.

Do not hesitate to contact us if you have any further questions or require additional information.

You can monitor the progress directly in the app under cards or by reaching out to our support channels.

Do not hesitate to contact us if you have any further questions or require additional information.

After we must have confirmed that the receipt is valid, that is the correctness of the PAN, amount, transaction date, RRN and so on. The receipt will be given to you to present to the merchant for resolution.

Do not hesitate to contact us if you have any further questions or require additional information.

Insist on getting a re-print of the customer copy of the failed receipt to enable us to arbitrate the transaction.

Do not hesitate to contact us if you have any further questions or require additional information.

You can file a complaint for failed transactions at exactly 24 hours after the transaction was consummated, this is to allow for auto reversal to take place.

Do not hesitate to contact us if you have any further questions or require additional information.

Yes

Do not hesitate to contact us if you have any further questions or require additional information.

Personal account holders can have a maximum of 1 active card at a time. Across all account types, you can receive up to 2 new cards per quarter (every 3 months).

No. Each card is linked to a single account. If you open a new account, you will need a separate card for that account.

Do not hesitate to contact us if you have any further questions or require additional information.

Check your card limits in the cards section of your app. To do this, follow the steps below

1. Log in to your App
2. On your dashboard, click on cards.
3. Click on your active cards
4. Click on Settings
5. Click on Card Limits and confirm that your card limit is not less than the amount you are trying to withdraw

Do not hesitate to contact us if you have any further questions or require additional information.

Confirm that your card is activated successfully and ensure you are selecting the “Savings Account” option when attempting to withdraw.

Do not hesitate to contact us if you have any further questions or require additional information.

Report the fraudulent transaction to Moniepoint Support immediately. Block your card via the app or contact Support to prevent further misuse.

Do not hesitate to contact us if you have any further questions or require additional information.

Keep your card details confidential, enable transaction alerts, and use virtual cards for online transactions.

Do not hesitate to contact us if you have any further questions or require additional information.

• Block your card immediately through the app or by contacting Moniepoint's customer support

• Report the loss or theft to customer support

• Request a replacement card in the app or visit a Moniepoint sales agent to purchase a replacement card

• The old card must be removed from your account before a new one can be assigned

Do not hesitate to contact us if you have any further questions or require additional information.

Reversals depend on the transaction type and investigation outcome. Report incidents as soon as possible for a higher chance of recovery.

Do not hesitate to contact us if you have any further questions or require additional information.

Moniepoint employs encryption, secure authentication processes, and fraud monitoring systems to protect your card transactions.

Do not hesitate to contact us if you have any further questions or require additional information.

For transactions less than 24 hours, kindly provide the beneficiary with the session ID/provider reference of the transaction and advise him/her to contact the bank as funds could be pending with the beneficiary’s bank.

The session ID can be gotten from the online receipt from your Moniepoint dashboard.

If the transaction is over 24 hours, please reach out to our support team with the transaction receipt for further escalation.

Do not hesitate to contact us if you have any further questions or require additional information.