The Smart Digital Finance Super-App

Your money, moving at your pace.

Pay bills, buy airtime, explore gift cards, and manage your digital life in one secure app.

Zero Hidden Fees

Instant Token Delivery

Protected account access

Monteriq mobile app dashboard screenshot

Electricity Token Generated

IKEDC Prepaid • 24.8 kWh • Instant Credit

MTN Data Top-Up Successful

10GB Monthly • 0803 234 5678

Steam Gift Card Redeemed

$100.00 USD • ₦145,000 Credited

DStv Premium Renewed

Auto-reconnected • Smartcard #1029

USDT Instant Swap Completed

+₦324,500.00 Settled into Wallet

USDT Instant Swap +₦180,500.00 Credited

99.98% Automated Delivery Rate

< 15s Average Transaction Time

150+ Countries with eSIM Roaming

₦10B+ Processed Securely

Integrated With Nigeria's Leading Telecom & Utility Providers

MTN Telecom Airtel Nigeria Glo World 9mobile DStv Multichoice GOtv StarTimes Showmax SportyBet Bet9ja Bitcoin (BTC) Tether (USDT) Ethereum (ETH)

Everyday payments, all together

Everything you need to move money, pay bills, and thrive.

Pay bills, buy airtime, and manage digital services in one reliable app.

Everyday essentials

Payments made simple

Fund your wallet, pay bills, and transfer money. Check the amount before you confirm and keep a receipt for every transaction.

Dedicated NGN Account Instant Transfers Multi-Currency Support

See the full amount before confirming

Keep a receipt and transaction history

Confirm sensitive actions securely

Airtime & data

Stay connected

Top up airtime and data for the mobile networks you use. Enjoy discounted SME and corporate data bundles delivered in sub-seconds.

MTN Instant

Airtel Instant

Glo Instant

9mobile Instant

Bills & utilities

Take care of the essentials

Manage utility and recurring payments from your everyday wallet. Instant prepaid token generation for IKEDC, EKEDC, AEDC, plus quick DStv, GOtv & Startimes renewals.

DStv Auto

GOtv Auto

StarTimes Auto

Showmax Auto

eSIM Travel Pass

Stay connected when you travel

Explore digital connectivity options alongside the services you already use. Activate high-speed travel eSIM profiles across 150+ countries with a single QR code scan.

150+ Countries Instant QR Activation High-Speed 5G/4G

🇬🇧 UK 🇺🇸 USA 🇦🇪 UAE 🇨🇦 Canada 🇪🇺 Europe 33+

Keep your Nigerian WhatsApp number active abroad

Instant connection the moment your flight lands

Zero unexpected roaming charges or SIM swaps

Digital Gifting

Gift cards, ready to go

Discover a convenient way to buy and manage digital gift cards. Trade Apple, Steam, Amazon, Razer Gold, and Google Play cards at top market rates with instant payout into your Monteriq wallet.

Top market exchange rates updated in real-time

Fast automated validation and instant balance credit

Over 50+ global brands supported including Apple, Steam, Amazon

Crypto services

Crypto, in your app

Buy, hold, and swap supported digital currencies with clear rates before you confirm. Seamlessly deposit to your personal multi-network wallet address with instant local currency conversion.

Bitcoin

Ethereum

Tether

Solana

XRP

BNB

Dedicated deposit addresses for BTC, ETH, USDT & more

Transparent on-chain settlement with zero surprises

Instant swap straight into your NGN everyday balance

Real-Time Calculator

See what you get before you tap send.

Transparent rates, zero hidden charges, and instant payouts credited in seconds.

Select Asset / Provider Instant Liquidity

You Swap Live Market Rate

$ USDT

Quick Select

Guaranteed Rate 1 USDT = ₦1,485

You Receive In Bank

₦148,500

Processing Fee: ₦0.00 (Free)

Payout Speed: < 60 seconds

Settlement Method: Instant NGN Wallet

Get Started on the App

Straightforward & Fast

From download to done, without the runaround.

Bring everyday payments and digital services together in three simple steps.

Create or access your account

Download the app and secure your account with the available verification options.

Choose what you need

Pick from bills, airtime, data, gift cards, eSIM, and crypto services. Compare rates, select packages, and specify details effortlessly.

Keep track in your app

Review your activity and stay in control of your account and transactions. Download instant PDF receipts and view automated ledger histories.

Monteriq customers

What people say about Monteriq.

Real feedback from everyday users paying bills, trading cards, and moving money.

Monteriq makes topping up my phone and paying for electricity effortless without switching between apps.

Amaka O. Airtime and data

The Monteriq app is fast and transparent. I can verify every fee before confirming and track my full history.

Tunde A. Everyday payments

Having all my regular bills, cable TV renewals, and mobile top-ups in one place on Monteriq saves me time daily.

Ifeoma K. Bills and utilities

Funding my Monteriq virtual account is instant, and seeing the exact amount before confirming gives me confidence.

Zainab M. Transfers

Buying data for my family on Monteriq takes just a few taps, and automated delivery is sub-seconds.

Kelechi U. Family top-ups

I can find my receipts and generate proof of payment on Monteriq whenever I need to check a transaction.

Bola S. Transaction history

I love using the Monteriq app for gift cards and eSIM roaming as well as my regular bill payments.

Mariam E. Gift cards

Monteriq brings crypto deposits, gift cards, and routine bill payments into one seamless, modern app.

Chinedu N. Everyday services

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Got Questions?

Frequently asked questions.

Everything you need to know about transacting, security, and getting started.

How fast are payments and cashouts processed on Monteriq?

Transactions are fully automated through our direct gateway connections. Airtime, data bundles, electricity tokens, cable TV renewals, and crypto swaps settle instantly—typically within 5 to 60 seconds directly into your wallet or utility meter.

Are there any hidden fees or surprise deductions?

Absolutely none. What you see on your rate calculator and confirmation screen is exactly what you pay or receive. We pride ourselves on 100% transparency with zero maintenance fees and zero hidden service surcharges.

How secure is my financial information and wallet?

Monteriq utilizes bank-grade 256-bit TLS encryption, biometric FaceID / TouchID authentication, secure transaction PINs, and automated fraud detection systems to ensure your funds and credentials remain impenetrable.

What happens if a provider's network delays my utility token or airtime?

Our real-time reconciliation engine monitors every request. If an upstream telecom or electricity DISCO experiences downtime, our system attempts automatic retry. If unfulfilled, your wallet is refunded instantly with zero hassle.

Can I access Monteriq services while traveling abroad?

Yes! With our international travel eSIM feature covering 150+ countries, you can activate high-speed data right before your flight and manage your bills, crypto conversions, and gifting without paying exorbitant roaming fees.