SECURE YOUR MONIEPOINT ACCOUNT

Secure your Moniepoint Account.

Work through these protections one at a time. After making a change, verify that the protection is actually active.

Your Moniepoint Account may control more than one financial channel.

Depending on how you use Moniepoint, your account may connect you to personal banking, business banking, cards, POS transactions and USSD services.

That means your security routine should protect not just your password, but also your PIN, phone, SIM, device, staff access and transaction decisions.

MONIEPOINT ACCOUNT SECURITY

Work through these protections one at a time.

Moniepoint features can vary by account type and device. Use the security settings shown in your own official Moniepoint app or dashboard and verify each protection after setting it up.

Turn on Multi-Factor Authentication

Add another verification layer so a password or other single credential is less likely to be enough to authorize a sensitive transaction.

Click to see protection steps

Step-by-step

  1. Open the official Moniepoint app or web dashboard.
  2. Open Settings.
  3. Open Security and Privacy.
  4. Find the biometrics or Multi-Factor Authentication setting.
  5. Turn on the available biometric authentication option if your device supports it.
  6. Complete the required face or fingerprint verification.
  7. If biometric authentication is not available, follow Moniepoint's instructions for setting up an authenticator app.
  8. Complete the setup and activate the protection.

VERIFY: Return to Security and Privacy and confirm that your selected MFA protection is active.

Use a strong, unique password

Your Moniepoint password should be difficult to guess and should not be reused on another important account.

Click to see protection steps

Step-by-step

  1. Open your Moniepoint Security settings.
  2. Find the option to change your password.
  3. Create a strong password that you do not use elsewhere.
  4. Avoid predictable information such as your name, birthday or phone number.
  5. Store the password securely, preferably in a reputable password manager.
  6. Never give your password to someone claiming to be Moniepoint support.

VERIFY: Confirm that the password change was successful and that you can sign in normally using the new password.

Protect your transaction PIN

Your PIN authorizes sensitive financial actions. Treat it as a secret that belongs only to you.

Click to see protection steps

Step-by-step

  1. Never share your PIN with another person.
  2. Do not give your PIN to someone claiming to be Moniepoint support.
  3. Shield your screen when entering your PIN around other people.
  4. Do not write your PIN somewhere another person can easily find it.
  5. If you believe your PIN has been exposed, change it immediately using Moniepoint's official process.
  6. If you use Moniepoint USSD, use the official *5573# channel for supported PIN-management functions.

VERIFY: Confirm that nobody else knows your PIN and that you know how to change or reset it if necessary.

Protect your OTP and verification codes

Verification codes can be part of account recovery and transaction security. Never use one to approve something you did not initiate.

Click to see protection steps

Step-by-step

  1. Never give an unexpected OTP to a caller or message sender.
  2. Do not send verification codes through WhatsApp, SMS or social media.
  3. If a code arrives for an action you did not start, stop and investigate.
  4. Do not enter a verification code simply because someone says they are helping you.
  5. If you are unsure why a code arrived, open Moniepoint directly and investigate.
  6. Contact Moniepoint through an official support channel if you suspect an attempted takeover.

VERIFY: Confirm that every verification code you approve relates to an action you personally initiated.

Verify recipients before transferring money

A familiar name or urgent request does not prove that a transfer is safe.

Click to see protection steps

Step-by-step

  1. Stop before approving the transfer.
  2. Check the recipient name.
  3. Check the account number.
  4. Check the amount.
  5. If the request came through WhatsApp, SMS, social media or a phone call, verify it through a separate trusted channel.
  6. Do not allow urgency or pressure to replace verification.
  7. Enter your PIN or approve MFA only after checking the final details.

VERIFY: Before authorizing the transfer, confirm that the recipient, account number and amount are exactly what you intended.

Review your transaction history

Regularly checking your account makes unfamiliar transfers, withdrawals and payments easier to notice.

Click to see protection steps

Step-by-step

  1. Open your Moniepoint app or dashboard.
  2. Open your transaction history.
  3. Review recent transfers, payments and other financial activity.
  4. Look for transactions you do not remember making.
  5. Check the amount and recipient for important transactions.
  6. Preserve the transaction receipt and reference detailsif you find something suspicious.

VERIFY: Confirm that important transactions in your recent history were authorized by you.

Secure your Moniepoint card

If you use a Moniepoint card, protect the card and its transaction activity separately from your account login.

Click to see protection steps

Step-by-step

  1. Open the Cards section in the Moniepoint app.
  2. Review the cards associated with your account.
  3. Confirm that every card shown is one you recognize.
  4. Review recent card transactions.
  5. If you notice suspicious card activity, use the app to block the card immediately.
  6. Contact Moniepoint Support and report the suspicious transaction.
  7. Preserve any screenshots or transaction evidence.

VERIFY: Confirm that your active cards are ones you recognize and that no unfamiliar card transactions remain unexplained.

Secure your POS terminal

For business users, POS security is part of account security. Terminal credentials and transaction records must be protected.

Click to see protection steps

Step-by-step

  1. Keep your POS terminal under the control of authorized staff.
  2. Do not share terminal credentials with unauthorized people.
  3. Train attendants to verify transactions carefully.
  4. Review receipts and transaction references.
  5. Investigate unusual transactions immediately.
  6. Change relevant credentials when staff access changes or when credentials may have been exposed.
  7. Report suspected POS fraud promptly to Moniepoint's Fraud Desk or official support.

VERIFY: Confirm that only authorized staff can access the POS terminal and that suspicious transactions can be traced through their transaction details.

Secure your USSD access

USSD can provide access to important financial functions even when you do not have internet access, so protect it carefully.

Click to see protection steps

Step-by-step

  1. Use only Moniepoint's official *5573# USSD channel.
  2. Never enter your PIN into a USSD flow started by someone else.
  3. Do not give your PIN to another person to perform a transaction for you.
  4. Learn the official Emergency Menu process before you need it.
  5. If your phone is stolen, use Moniepoint's supported *5573*911# emergency process to stop debit transactions where appropriate.

VERIFY: Confirm that you know the official Moniepoint USSD and emergency-security process before an emergency occurs.

Protect your phone and registered SIM

Your phone and registered mobile number can be closely connected to account access and verification.

Click to see protection steps

Step-by-step

  1. Enable a strong screen lock.
  2. Use supported biometric security on your device.
  3. Keep your operating system updated.
  4. Install Moniepoint only from a legitimate app store or official distribution channel.
  5. Keep your registered SIM under your control.
  6. Investigate sudden unexplained loss of mobile service.
  7. If your phone or SIM is lost, contact Moniepoint and your mobile network provider immediately.

VERIFY: Confirm that your phone, SIM and device lock are under your control before using the account for sensitive financial activity.

Know what to do if your phone is stolen

Moniepoint provides an emergency USSD process that can be used even from another phone to help stop debit transactions.

Click to see protection steps

Step-by-step

  1. Ask a trusted person to use another phone if your own phone is unavailable.
  2. Dial *5573*911#.
  3. Select Stop Debit Transactions.
  4. Choose the option for For Others when using another person's phone.
  5. Enter your phone number or account number as requested.
  6. Follow the verification instructions shown by Moniepoint.
  7. Contact Moniepoint Support immediately after securing the account.
  8. Contact your mobile network provider to secure your SIM.

VERIFY: Confirm that debit transactions have been stopped and that Moniepoint Support has been informed about the stolen phone.

Recognize fake Moniepoint support

Scammers may impersonate Moniepoint staff and use urgent account problems to obtain your credentials or money.

Click to see protection steps

Step-by-step

  1. Be cautious when someone unexpectedly claims to be a Moniepoint representative.
  2. Never provide your password or PIN to someone offering support.
  3. Treat unexpected OTP requests as suspicious.
  4. Never install remote-access software because an unexpected caller tells you to.
  5. Do not transfer money to another account because someone claims it is necessary to protect your funds.
  6. End the conversation and contact Moniepoint through an official support channel.

VERIFY: Confirm unexpected support requests independently before taking action on your Moniepoint account.

Avoid fake Moniepoint websites and apps

Fake login pages and applications can steal your credentials and verification information.

Click to see protection steps

Step-by-step

  1. Use the official Moniepoint app from a legitimate app store.
  2. When using the web, navigate to Moniepoint through a trusted bookmark or official source.
  3. Do not sign in through an unexpected link sent by SMS, WhatsApp, email or social media.
  4. Do not install an APK sent to you unexpectedly.
  5. Check the website address carefully before entering credentials.
  6. If something looks suspicious, close the page and access Moniepoint directly.

VERIFY: Before entering credentials, confirm that you are using a legitimate Moniepoint app or official website.

Review business account access

Business users should know which staff members can access financial information and perform transactions.

Click to see protection steps

Step-by-step

  1. Open your Moniepoint Business Manager where available.
  2. Review the people or profiles with access to the business account.
  3. Confirm that each authorized person still needs access.
  4. Remove or update access when a staff member leaves or changes role.
  5. Do not share one person's login credentials among multiple staff members.
  6. Review account activity after changes in staff access.

VERIFY: Confirm that only current, authorized staff members can access your business account and perform financial actions.

Know what to do after an unauthorized transaction

Act quickly when you discover a transaction you did not authorize. Prompt reporting gives the investigation a better chance of succeeding.

Click to see protection steps

Step-by-step

  1. Stop making additional transfers while you investigate.
  2. Immediately change your password.
  3. If your authorization PIN may have been exposed, change the PIN as well.
  4. Preserve the transaction receipt, reference and screenshots.
  5. Contact Moniepoint Support through the app or official support channel.
  6. Provide the transaction details and explain exactly what happened.
  7. If the issue involves a fraudulent transfer, follow Moniepoint's instructions regarding a possible recall.
  8. Do not assume recovery is guaranteed; act as quickly as possible.

VERIFY: Confirm that your password and authorization PIN have been secured and that Moniepoint has received the unauthorized-transaction report.

Know what to do after a suspicious web login

If your Moniepoint web credentials may have been exposed, secure the account before continuing normal activity.

Click to see protection steps

Step-by-step

  1. Stop using the affected web session.
  2. Change your password immediately.
  3. Review your account for unauthorized transactions.
  4. Sign out from shared or unfamiliar devices where appropriate.
  5. Contact Moniepoint Support or the Fraud Desk.
  6. Provide details of the suspicious activity.
  7. Preserve screenshots or other evidence.

VERIFY: Confirm that the password has been changed and that Moniepoint Support has been informed about the suspicious web activity.

Something does not look right?

If you find an unfamiliar login, changed recovery information, unexpected security alerts or another sign that someone may have accessed your account, stop the normal security check and move to the recovery process.

I think my account is compromised →
Still need help?

If you have worked through the relevant settings and something still looks wrong, do not give your security secrets to someone promising to fix the account. Use the service's official support and recovery resources for service-specific account problems.

For broader cybersecurity problems, you can also use the professional assistance pathway on this platform.

Need Professional Help? →
Moniepoint security is not a one-time task.

Review important account settings periodically, especially after a password change, device change, suspicious message or unexpected login alert.

VERIFY BEFORE YOU TRUST.

← Back to Secure Your Accounts