What users hate. Clustered.

1- and 2-star reviews grouped into themes with verbatim examples. Each cluster is a wedge a competitor could exploit.

177 reviews·8 themes

Automatic Logouts and Persistent Login Failures
Users repeatedly report being automatically logged out or unable to log in, even after successful authentication, with no clear reason provided.
42
reviews
- “It logs me out automatically anytime I log in”
- “Wtf is all this why am I been logged out of my account just cus I am doing something else and then I have to login back only for you to log me out again this is really stupid Fr”
- “My App has refused to login since the past 42 days now. The claim being no internet connection every time I tried to log onto the app”
Facial Verification and Device Registration Failures
Multiple users report issues with facial verification, including camera not working, failed captures, and inability to register devices after resetting or changing phones.
31
reviews
- “Your facial verification has to be the worst I have seen so far please work on it”
- “Just downloaded this app on my iPhone and can’t get pass the face verification because it’s total blackout, it is not picking up anything and my camera is fine”
- “I’m finding it difficult registering my device after flashing/formating it. The face verification on the app refused to work”
Account Restrictions and KYC Delays
Users report their accounts being restricted without clear explanation, especially after receiving large transfers, with prolonged delays in document processing and no response from support.
28
reviews
- “My account was restricted and I was told to provide my BVN and I did and they didn’t open back my account”
- “You’ve restricted my Moniepoint because I've received more than my daily limit and I've submitted my bvn and my next of kin required for you to upgrade my account since yesterday and it keep saying your account is being upgraded ple”
- “Account restriction and bvn validation failure — Hi please am not writing this on a good note 😭 bacause for the past 1 month my account has been restricted and on the cause of upgrading it it’s not working after following the process I just see congrats your account is being upgraded and”
Transaction Failures and Funds Not Reflecting
Users report money being debited but not credited to their accounts, transfers failing, or funds not appearing despite successful transactions, with no refunds or responses.
25
reviews
- “I made a prepaid meter recharge, my account was debited, but no token was sent. It has been over 72 hours and there is still no refund.”
- “Funds Processed but not Reflecting in my wallet — I opened my moniepoint account just 2days ago and thats the worst decision I made. A transfer of 20k was made from my vfd to moniepoint and up till now the money is yet to be credited.”
- “Transfer doesn’t work on app to any other banks — I added 100k to the app and try to move about 10k to another app It kept on saying transfer failed”
Poor Customer Support and Unresponsive Service
Repeated complaints about lack of response from customer service via email, WhatsApp, or phone, with users feeling ignored despite urgent financial needs.
23
reviews
- “Honestly, Moniepoint has one of the most disappointing customer support systems I’ve experienced. It feels like customer concerns and complaints are completely ignored”
- “I call you guys with my #500 Airtime and you guys wasted my whole card and still yet, i wasn’t able to hear from you guys.”
- “I’ve been pleading and calling… no answers… I also message you guys on your email no response”
App Crashes, Updates, and Technical Glitches
Users report the app crashing on launch, failing to update, showing error messages like 'Something went wrong, restart flow', or requiring repeated reinstalls.
20
reviews
- “After I downloaded the monie point personal I funded it and the following day I tried to log in but the app crashes even before it opens…pls fix this quickly”
- “Something went wrong, restart flow please” is the error I’m getting for weeks now both on the personal and business app.”
- “Apps error 101 — I can’t update my app unless I delete and install again”
Unfair Deductions and Hidden Charges
Users complain about unexpected deductions such as SMS alerts, taxes on savings, or fees that are not transparent or justified.
12
reviews
- “The money u deduct from d account at the end of the month for sms alert is too much”
- “Why would I be given 10% of my savings as tax — Hello monie point 10 % as tax on savings is too high”
- “You’re just deducting my money too much and is not fair”
Lack of Basic Banking Features (Loans, Overdrafts, Transfers)
Users express frustration over missing features like loans, overdrafts, or inability to transfer money despite having funds, comparing unfavorably to competitors.
10
reviews
- “Loan — Una papa no Déy give loan tcheew”
- “Why does it not have where I can get a loan”
- “Monie point doesn’t has loan talk less of overdraft and child support loan”

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