Banking as simple as
sending a message.
Type or speak naturally to send money, pay bills, receive funds, and understand your finances—all from one secure conversation.
Transfer Review
₦25,000.00
Everyday Bills
Data · Airtime
Electricity, cable and internet
Banking feels harder when the interface gets in the way.
People know what they want to do. They should be able to say it, review it, and complete it securely.
Day 1
₦1,500,000
Salary arrives
Day 10
₦800,000
You've been spending
Day 20
₦200,000
Running low
Day 30
₦0
Broke again
Your banking interface should understand your intent.
Banking should not require users to memorize where every feature lives. The conversation should be enough.
01
Too many menus
Simple tasks are buried under dashboards, forms, and service pages that users have to learn before they can act.
02
Little context
Traditional banking interfaces show records but rarely help users understand what changed or find the transaction they mean.
03
Disconnected actions
Transfers, bill payments, support, and financial insights often live in separate flows that interrupt the user's intent.
Built for conversational banking
One intelligent Home for asking, understanding, deciding, and acting on your money.
Your conversation is the banking interface
Tell TopMonie what you want to do in everyday language instead of searching through menus and forms.
- Typed requests
- Natural voice input
- Smart clarification
- Inline action cards
Answers grounded in your real account
Ask about balances, transactions, recipients, and spending patterns using the language that feels natural to you.
- Balance answers
- Transaction search
- Spending summaries
- Nigerian context
Send money and pay bills in chat
Prepare transfers, airtime, data, electricity, cable, and supported internet payments without leaving Home.
- Bank transfers
- Airtime and data
- Electricity and cable
- Receipts in chat
AI understands; secure systems execute
TopMonie validates every financial action deterministically and requires your explicit approval before a debit.
- Verified recipients
- Clear review cards
- PIN or biometrics
- Duplicate-debit protection
Three steps. That's all.
Ask, review, and approve without leaving the conversation.
Say what you want to do
Type or speak naturally—check a balance, send money, pay a bill, or ask about your spending.
TopMonie understands Nigerian English, Pidgin, and everyday banking terms.
Review the exact details
TopMonie asks for anything missing, verifies the destination, and presents a clear review card.
You see the recipient, amount, fees, and important details before approval.
Approve securely
Authorize the reviewed action with your transfer PIN or biometrics, then receive the result and receipt in chat.
The AI cannot debit your wallet without your explicit authorization.
Built for clarity, not complexity
The conversation keeps balances, verified actions, receipts, and financial explanations easy to understand.
Conversational Home
Your balance, actions, and assistant in one place.
Security built into every action.
The AI interprets the request; authenticated, deterministic services execute only what you explicitly approve.
Regulated Payment Infrastructure
TopMonie connects to regulated partners for account verification, funding, transfers, and bill payments.
Review Before Debit
Every debit is shown in a clear review card with the verified recipient, amount, fees, and total.
Biometric Authentication
Supported devices can use Face ID or fingerprint for secure transaction approval without exposing biometric data to the AI.
Separate Transfer PIN
Your access PIN protects the app, while a separate transfer PIN authorizes reviewed debits.
Protected Sessions
Authenticated sessions, device checks, rate limits, and secure recovery controls help protect account access.
Built for Nigeria
Not adapted from foreign apps. Designed from scratch for Nigerian income earners, Nigerian banks, and the Nigerian naira.
Questions worth asking
What to know before banking with TopMonie.
TopMonie is a conversational financial platform that delivers banking services through regulated payment and banking partners. The app gives you one intelligent interface for managing those services.
Your bank is now
a conversation.
Send money, pay bills, receive funds, and understand your financial life through one secure conversation.
Secure review and approval before every debit.