Like your bank but Smarter No Abusive Fees Open 24/7 Multi Currency Borderless
Like your bank but Smarter No Abusive Fees Open 24/7 Multi Currency Borderless
Get USD and EUR accounts, receive payments globally, spend anywhere with international cards, and move money seamlessly across borders — powered by modern technology, stablecoins, and AI.
Modern Money built for a Global Life
Most global money apps are built around conversion. BMONI is built around ownership. Open a real USD or EUR account with your own account details you can share with clients, employers, and platforms worldwide. Your funds are secured by 22 patented biometric technologies, settled on stablecoin rails for instant, low-cost transfers, and accessible through a global card accepted at over 100 million merchants. No borders imposed.
USD & EUR Accounts
Get Paid Globally
Receive salary, freelance payments, and international transfers with dedicated USD and EUR account details.
Six Currencies. One Wallet.
Save, swap, spend
Hold and manage USD, EUR, GBP, CAD, MXN, and NGN from a single app. Convert between currencies at fair exchange rates with no hidden fees. Your money, in the currency that makes sense for where you are and what you’re doing.
Your Global Card. Zero Friction
Get a virtual card instantly and a physical card delivered to your door. Accepted at over 100 million merchants and ATMs worldwide — online, in-store, and across borders. Manage spending limits, freeze your card, and track every transaction in real time from the app.
Like your bank, but Smarter
Who is BMONI for?
Freelancers
Get paid by international clients directly into your USD or EUR account. No payment processor middleman. Convert to your local currency when you choose, at real rates.
Smart Salaries
Receive your salary directly into a multi-currency wallet. Get paid in the currency that works for you – USD, EUR, or local – and manage it all from one app including spending with a card.
Travellers
One card for every country. No foreign transaction fees. Spend in local currency online, in-store, and at ATMs worldwide.
Parents and Students Abroad
Send money to your student abroad in seconds. They receive it in their BMONI wallet, spend it with their card, and you both see it happen in real time.
Small businesses
Run your business finances from one dashboard. Send payments to vendors, issue invoices, manage multi-currency wallets, and give your team business cards while managing expenses.
Expats & Global Families
Live in one country, earn in another, send money home. BMONI holds all your currencies in one place so you never have to think about which account to use.
Freelancers
Get paid by international clients directly into your USD or EUR account. No payment processor middleman. Convert to your local currency when you choose, at real rates.
Travellers
One card for every country. No foreign transaction fees. Spend in local currency online, in-store, and at ATMs worldwide.
Parents and Students Abroad
Send money to your student abroad in seconds. They receive it in their BMONI wallet, spend it with their card, and you both see it happen in real time.
Smart Salaries
Receive your salary directly into a multi-currency wallet. Get paid in the currency that works for you – USD, EUR, or local – and manage it all from one app including spending with a card.
Small businesses
BMONI helps simplify modern business with multi-currency wallets, business cards through licensed partners, and more
Expats & Global Families
Live in one country, earn in another, send money home. BMONI holds all your currencies in one place so you never have to think about which account to use
Like your bank but smarter. BMONI.
Built for Your Safety and Ease
Compliant, Safe & Awarded 22 patents
BMONI is built in partnership with licensed and trusted technology partners. Your funds are protected through BMONI’s patented technology combining cryptography with the ease of biometrics.
No Passwords, No Pain
No PINs, no passwords. Access is secured with cryptographic proofs, eliminating risks from hacked or reused passwords.
Smart Money on Modern Tech
BMONI deposits are converted to stablecoins. Stablecoins are digital money, built using cryptographic bookkeeping called blockchains. Each stablecoin is fully backed by cash in local banks and independently audited for full transparency and protection.
Frequently Asked Questions
What is BMONI and how secure is it?
BMONI is a modern digital financial platform designed for globally connected individuals and businesses. Through licensed partners, BMONI provides access to multi-currency wallet functionality, digital financial services, and global card experiences within a seamless user experience. BMONI utilizes modern security architecture and trusted infrastructure partners to help protect user accounts, wallet access, and platform activity.
Your money and data are always protected with BMONI.
BMONI uses patented facial recognition technology for every login and transaction. Only you can access your account. BMONI is not a bank; it’s a secure platform that partners with trusted, licensed financial providers, including Mastercard, BluSalt, Bridge, Convexity, Paxos, Anchor and more
How do I get a BMONI account?
Simply download the app on your phone or in your app store.
Sign up with your phone number, scan your face, and complete identity verification (KYC). Once approved, you’ll have access to your choice of multi-currency wallets.
You can find more information on the BMONI Knowledge Base here
What if I struggle to log in to my BMONI account?
Please note that your funds are always safe. Only you, using your face, can access your funds or approve transactions, even if your phone is lost or stolen.
Logging in when you still have access to your number:
- On the app welcome screen, tap “Retrieve Your Account”, and enter your phone number to receive the 6-digit code (OTP).
- Make sure your face scan works – use good lighting and check that Face ID is enabled on your device.
Logging in when you do not have access to your number:
- On the app welcome screen, tap “Retrieve Your Account”
- Select “No I do not have access anymore” when asked to confirm access to your phone number. Simply follow the steps to verify your new number.
- If this does not work, please check your KYC status in “Settings” → “KYC Overview” since verification must be complete to log in. For urgent help, reach out to support via the in-app chat.
Please find more details on how to access or retrieve your account on the Knowledge Base here
What if a money transfer or wallet top-up fails? Are there any limits?
Most transfers are instant, but delays can happen. Here’s what to do:
- Double-check details – Most failures are caused by network issues or incorrect account information.
- If money was deducted but not received – Wait a few minutes, then contact BMONI support via the in-app chat. Share the transaction ID, amount, date, and a screenshot when asked by support so we can investigate.
- Incoming transfer not showing – Ask the sender to confirm the transaction details including proof of transaction. You can then share a screenshot and transaction details with the BMONI support team.
- Refunds – If a payment doesn’t settle, it will be reversed and refunded to your BMONI wallet or the original source.
For more troubleshooting tips, see our Knowledge Base guide here
How is BMONI connected to crypto and stablecoins?
BMONI uses licensed and regulated stablecoins, each backed by real money equivalents held in local banks. Funds backing naira stablecoins are stored in Nigerian banks, while funds backing USD stablecoins are stored in US banks. All bank balances are independently audited by third-party auditors and are subject to strict regulatory requirements and oversight. Your stablecoins are held in a non-custodial wallet that only you can access.
Want to learn more? Check out our Knowledge Base here
How do I get answers to other questions and contact support?
You can reach BMONI support anytime through the website bot, in-app chat, Instagram, or by email at support@bmoni.com. Our team usually replies within 24 hours.
You also have access to a content rich knowledge base with helpful articles and guides here.
Please note: human customer support is available through the in-app chat. Other channels are designed to help you learn about BMONI and resolve general issues.
Your global accounts are waiting. Takes 5 minutes.
BMONI is a financial technology company, not a bank. Banking and payment services are provided by licensed partners. BMONI is a product of BKEY Inc., a Delaware corporation.
Support@bmoni.com © BMONI 2026