No account numbers. No bank codes. No stress. Just type a @username, hit send, and the money lands instantly , every single time.
No more sharing account numbers. Your @username is all anyone needs to send you money. It's private, instant, and completely free.
Send money, pay bills, find forex, give to your church, all under one @username. No switching apps. No friction.
Skip the account numbers. Type @username, confirm the name, and send instantly. Zero fees, every time.
How it worksSee live USD, GBP, and EUR rates from licensed BDCs near you, before you leave the house.
Check rates near meScan a QR code or tap your phone to pay at PickMoni merchants nearby. Leave the cash at home.
Find nearby merchantsElectricity, TV, data, sorted in one tap. Auto-Remind alerts you before you run out. One-Tap Renew does the rest.
Pay a bill nowTithe, Building Fund, Welfare, all tracked automatically. Dial *979# on any phone to give offline too.
For organisationsEvery receipt is cryptographically signed. Scan the QR to verify it live, fake alerts have no chance.
How we stop fakesType a @username, enter an amount, tap Send, watch it land in real time. It really is that simple.
Every licensed BDC within 5km, with real buy and sell rates updated every 2 minutes. Walk in knowing exactly what to expect.
Manage giving, track members, and reconcile funds, all inside PickMoni. No extra software. No spreadsheets. Just clarity.
Every receipt is cryptographically signed the moment it's created. Your recipient scans the QR to verify it live, no screenshot can replicate that.
Tap, scan, or dial. PickMoni works on every phone, on every network, even with no internet.
Hold your phone near any PickMoni terminal and you're done. Under a second, every time. Works right from your lock screen.
No smartphone? No internet? No problem. Dial *979# on any GSM phone to send money, pay bills, or give to your organisation.
Point your camera at any PickMoni QR code, confirm the amount, and pay. Done in under 5 seconds.
"Sundays used to mean stuffing cash into envelopes. Now I just tap my phone at the entrance, tithe sent, receipt in my pocket."
"Found a licensed BDC 300m away with the best rate I'd seen all week. Walked in, changed my dollars, walked out. Ten minutes total."
"Someone sent me a fake alert. I scanned the receipt QR and PickMoni said 'Not verified' immediately. They didn't get a single naira."
PickMoni is a CBN-licensed Payment Solution Service Provider. Your funds are NDIC-insured, your data is NDPR-compliant, and every transfer is encrypted end-to-end. You're protected at every step.
847,000+ people are already sending money the easy way. Join them, free to sign up, free to transfer, forever.
