Personal banking
One account for spending, saving, bills and cards, with no monthly maintenance fee and every charge shown before you confirm it.
There is no monthly maintenance fee, no minimum balance and no charge for holding your money. Where a fee applies, such as an interbank transfer or a card issue, you see the exact amount on screen before you confirm. Your statement is plain language, not bank codes.
Create a virtual card in seconds for a single subscription, a marketplace purchase or a trip abroad, then freeze or delete it when you are done. Each card has its own spending limit, so a compromised merchant can never reach your main balance.
Set a goal, choose an amount and a rhythm, and OVO MONIE moves the money for you on payday. Lock a goal if you need protection from yourself, or keep it flexible and withdraw whenever you like.
Airtime, data, electricity tokens, cable subscriptions and school fees all settle from the same balance, with receipts stored in the app. Set a recurring payment once and stop worrying about disconnection notices.
In-app chat is staffed by real humans, with escalation paths for disputes and failed transactions. Every conversation stays attached to your account so you never repeat your story.