Getting Started with Pocketmoni 

Getting started has never been easier. Pocket Moni is here to simplify your financial life, from managing money to paying bills and more. In this guide, you’ll find everything you need to set up and use Pocket Moni effortlessly. Let’s dive in and unlock the power of smart financial management! 

Let’s get started!  

Step 1: Download the App 

Step 2: Search for “Pocket Moni”: Use the search bar to locate the official app. 

Step 3: Tap the “Install” button (Android) or “Get” button (iOS) to download the app to your device. 

Visual aid 

(a screenshot of the app, showing the download button for both the iOS and Android) 

Step 4: Launch the App 

       Visual aid 

        (a screenshot of the PocketMoni opened, showing its first screen) 

 Tip: Ensure you have a stable internet connection for a smooth download experience. 

ONBOARDING 

We’re thrilled to have you on board. PocketMoni is your all-in-one digital financial solution, designed to simplify transactions, enhance your financial freedom, and keep you connected to what matters most. This self-guide will help you get started, navigate the app with ease, and explore its powerful features. 

Whether you're sending money, paying bills, or managing your finances, this guide will walk you through every step, ensuring you make the most of your PocketMoni experience. Let’s get started! 

Step 1: Open the Pocket Moni App 

Step 2: Click on “join” 

Step 3: Input your details (Phone number, email address) 

Step 4: Create Password 

Step 5: Enter Password to confirm. 

 Tip: Once confirmed you will receive a congratulatory message on your successful account creation.  

ACCOUNT TIERS 

PocketMoni offers flexible account tiers to suit your financial needs. Each tier unlocks specific features and transaction limits, giving you more control and flexibility. Start with the basic tier and upgrade anytime to access advanced options like higher limits and exclusive services. 

Choose the tier that works best for you and enjoy seamless financial management with PocketMoni! 

Let’s get started! 

Gold Account 

The Gold Account is designed to meet your high-value financial needs effortlessly. Start today and experience the ultimate financial freedom. 

Account requirements 

Verification Process: 

Tip: This verification process takes up to 7mins. 

Step 1: Select the Gold tier 

Step 2: Proceed to the liveness check 

Step 3: Confirm your identity (Input your BVN and NIN) 

     Tip: Once your identity has been verified and matched with your facial recognition, proceed to the next step 

Step 4: Upload your documents (Utility bill & Physical address)  

Note: (The physical address verification takes up to 24- 48 hours). 

You will be placed on the Silver tier until your physical address verification has been completed.  

Step 5: Proceed to select your account number or phone number 

Step 6: Create transaction pin. 

Step 7: Confirm your transaction pin. 

Tip: Once your physical address verification has been completed, you will be moved to the gold tier 

Silver Account

This tier is perfect for moderate financial needs, offering enhanced convenience and access to essential features to simplify your transactions. Upgrade to Silver Account and manage your finances with ease and flexibility! 

Account Requirements: 

Verification Process: 

Tip: This verification process takes up to 5mins. 

Step 1: Select the Silver tier.  

Step 2: Proceed to the liveness check 

Step 3: Confirm your identity (Input your BVN and NIN) 

     Tip: Once your identity has been verified and matched with your facial recognition, proceed to the next step. 

Step 4: Proceed to select your account number or phone number 

Step 5: Create transaction pin. 

Step 6: Confirm your transaction pin. 

           Note: you can always upgrade to Gold tier anytime, anywhere, here’s how; 

Upgrade to Gold tier 

Step 1: Open the pocketmoni app 

Step 2: Log into your account (using your biometrics or passwords)   

Step 3: Select “upgrade to Gold” once an upgrade pop-up displays,  

Step 4: Proceed to upload your documents (utility bill and physical address verification) 

Step 5: wait until your physical address verification has been completed (takes 24-48hrs)  

Bronze Account

This entry-level tier is ideal for everyday transactions, offering essential features to get you started on your financial journey. Choose the Bronze Account for simplicity and secure financial management! 

Account Requirements: 

Verification Process 

Tip: This verification process takes up to 3mins. 

Step 1: Select the Bronze tier  

Step 2: Proceed to the liveness check 

Step 3: Confirm your identity (Input your BVN or your NIN) 

     Tip: Once your identity has been verified and matched with your facial recognition, proceed to the next step. 

Step 4: Proceed to select your account number or phone number 

Step 5: Create transaction pin. 

Step 6: Confirm your transaction pin. 

BILLS PAYMENT 

Paying bills with Pocket Moni is a seamless process designed to save you time and stress. Follow this detailed guide to handle your utility, TV subscriptions, internet, and more, all in just a few taps. 

Section 1: Buying Airtime 

Step 1: Select Airtime Option 

Step 2: Buy for Yourself or Others: 

Tip: you can Review your previous airtime purchases and select frequently bought amounts without retyping. 

Step 3: Choose Payment Account: Select the account you want to use to complete the payment. 

Step 4: Confirm and Purchase 

Section 2: Buying Data 

Step 1: Select Data Option 

Step 2: purchase data for yourself or Others: 

Tip: you can access your data purchase history to quickly buy frequently used plans. 

Section 3: Electricity Payments 

Step 1: Navigate to the "Electricity" section in the app. 

Step 2: Enter Meter Number 

Step 3: Input the amount you wish to pay. 

Tip: you can review your electricity payment history, including prepaid or postpaid token purchases. You can select quick amounts. Choose commonly paid amounts for the list of previous payments. 

Section 4: TV/Cable Payments 

Step 1: Go to the "TV/Cable" section in the app. 

Step 2: Select your TV or cable service provider from the list. 

Step 3: Enter the smartcard number linked to your service. 

Step 4: Choose the bouquet or package you want to pay for. 

Tip: you can access previous transactions and renew the same plan with one click from your previous purchases. 

Step 5: Check for the latest promotions and offers from your provider, including details and pricing. 

Step 6: Decide which account to use for the transaction. 

Step 7: Review all details and complete your TV or cable payment. 

Section 5: Saved Beneficiaries: Pick from your list of saved numbers. 

Alternatively, select the recipient from your phone’s contacts. 

TRANSACTIONS

Pocket Moni offers seamless and secure transactions, whether you’re sending money, receiving it, or storing it for later use. This guide will walk you through every detail, including handling transaction failures like a pro. 

1. Sending Money to One 

Steps to Send Money: 

Step1: Open the Pocket Moni App: Launch the app and log in using your PIN or biometric authentication. 

Step 2: Go to the “Transactions” Section 

Step 3: Enter Recipient Details 

Step 4: Input the Amount 

Step 5: Review Details 

Step 6: Select Your Payment Account 

Step 7: Confirm and Authenticate 

Tip: Once the transaction has been completed, you will get a success message with the caption “Transaction Successful”  

(Visual: Success notification showing transaction details.) 

2. Receiving Money 

Steps to Receive Money: 

Step 1: Share Your Account Details 

Step 2: Wait for Transfer Confirmation 

Step 3: Check Your Balance 

(Visual: Wallet balance section with the updated amount highlighted.). 

Pro-tip: You can check your transaction History, 

Visual: (Screenshot of the transaction history page showing recent credits.) 

3. Storing Money 

Steps to Store Money in Pocket Moni: 

Step 1: Deposit into Your Wallet 

Step 2: Track Deposits 

(Visual: Wallet page showing the deposit confirmation.) 

4. Handling Transaction Failures 

Transaction failures are rare, but Pocket Moni resolves them faster than you think. 

Steps to Resolve Transaction Failures: 

a. What happens if my transaction fails, but I’m still charged?  

If a transaction fails and you’re charged without receiving credit, your money will be automatically reversed within 15 minutes. You’ll also receive a notification confirming the reversal.  

b. What if my transaction fails, but the recipient still receives the payment?  

In cases where the transaction appears to fail but the recipient is credited, you’ll be notified within 30 seconds that the payment was successful. You don't have to retry the transaction; you'll be issued a receipt for confirmation.   

c.  Will I receive a receipt for a transaction that was reversed?  

Yes, whether your transaction is reversed or successfully completed after an initial failure, the system will generate and send you a receipt for every transaction.  

  d. How will I know if my transaction is still being processed?  

If your transaction takes longer than 15 seconds, you’ll be notified that your transaction is still processing.  

 Note: There’s no need to retry the transaction during this period. 

e.  What happens if my transaction fails multiple times?  

If your transaction fails, the system will automatically retry up to three times. If it still fails after these attempts, you’ll be notified and advised to try again manually.  

 f. Will I be notified of a failed transaction?  

Yes, you will receive a notification for a failed transaction and for every important step—whether your transaction is reversed, successfully completed after an initial failure, or if you need to retry the transaction manually after multiple attempts.   

 Tip:  (Ensure you have a stable internet connection.) 

You can use the Help Center; 

(Visual: Help Center page with options to submit a query.) 

 Tips for Smooth Transactions: 

BUSINESS WALLETS

The Pocket Moni Business Wallet is designed to make managing your business finances simple, secure, and efficient. Here’s a comprehensive guide to help you set up and start using your Business Wallet effectively. 

Business wallet Requirements: 

Here’s the step-by-step guide.  

Step 1: Open the Pocket Moni app 

Step 2: navigate to the Home Screen. 

Step 3: Tap on the “Business Wallet” option. 

Step 4: Create a business wallet 

         Note: Remember: Each partner can create only one business wallet. 

Business Wallet Verification Process: 

Step 1: Upload the required documents. 

Tips: The app will verify your business number and Tax identification number with relevant authorities. 

Visual Aid: 
(Show the onboarding screen with fields for Business Name, BN Number, and TIN highlighted, along with an upload option for certificates.) 

Step 2: Get Confirmation and Benefits Overview 

Tips: Benefits Screen 

Visual Aid: 
(Illustrate a confirmation screen announcing, “Your Business Wallet is Ready!” along with a benefits summary.) 

Note: you can navigate to the Business Wallet section to view your dedicated account details. 

Key Features: 

Pro-tip: You can also access the Transaction History tab to review all incoming and outgoing payments using filter by date or type for easier tracking. 

Also, 

Use Panorama View to get a high-level summary of your business finances, including trends and insights. 

Visual Aid: 
(Show a transaction history screen with filters and a sample Panorama dashboard for financial insights.) 

PM REMINDER

The PM Reminder feature in Pocket Moni helps you stay on top of payments effortlessly. Whether it’s a bill, subscription, or any other payment, PM Reminder ensures you never miss a due date. Here’s how to set up and manage reminders step by step. 

Let’s get started. 

Step 1: Open the Pocket Moni app and navigate to the Triangle Feature Section. 

Step 2: Tap on “PM Reminder” to get started. 

Visual Aid: 
(Include an image of the Pocket Moni home screen with the Triangle Feature Section highlighted.) 

Step 3: Create a Reminder 

Visual Aid: 
(Show a sample reminder creation screen with fields for payment details, amount, and due date.) 

Manage Your Reminders 

Visual Aid: 
(Illustrate an editable reminder with options for time adjustment and a snooze button.) 

Update Reminder Status 

Visual Aid: 
(Show a list of reminders in the Done Tab with completed ones crossed off.) 

 Handling Overdue Reminders 

Visual Aid: 
(Include an overdue reminders list with options to reschedule or mark as paid.) 

Monitor Reminder History 

Visual Aid: 
(Illustrate a history view with sections for completed and overdue reminders.) 

You’re All Set! 

ACCOUNT SETTINGS

Pocket Moni’s Account Settings is your control center for personalizing, managing, and securing your account. Here’s a simple guide to navigate and use its features. 

1. User Profile 

Manage your personal details and profile picture with ease. 

Steps to Update Your Profile Picture: 

Step 1: Open Account Settings from the menu. 

Step 2: Tap on your profile picture and select Upload New Picture. 

Step 3: Choose an image from your gallery (JPEG or PNG, up to 5MB). 

Step 4: Resize or crop the image as needed, then preview it. 

Step 5: Tap Save to update. 

Steps to Update Your Email Address: 

Step 1: Open Account Settings from the menu. 

Step 2: Tap on your Email Address and tap on change email address. 

Step 3: Input new email address, confirm new email address and wait a second to receive OTP to verify. 

Step 4: Input correct and valid OTP. 

Step 5: Tap Save to update. 

What You Can View in user profile: 

Visual Aid: 
(Show a user profile screen with options to upload a photo and view account information.) 

Upgrade to Gold:  

Step 1: Open the pocketmoni app 

Step 2: Log into your account (using your biometrics or passwords)   

Step 3: Select “upgrade to Gold” once an upgrade pop-up displays, 

Step 4: Proceed to submit both your BVN and NIN  

Step 5: Then, upload your documents (utility bill and physical address verification) 

Step 6: wait until your physical address verification has been completed (takes 24-48hrs) 

2. Change Wallpaper 

Customize the app’s appearance to fit your style. 

Steps to Change Wallpaper: 

Visual Aid: 
(Illustrate the wallpaper change process with before-and-after previews of Light and Dark Modes.) 

3. Spending Limit 

Stay in control of your spending with customized limits. 

Steps to Set Spending Limits: 

Visual Aid: 
(Show a screen with spending sliders for daily, monthly, and yearly limits.) 

4. Notifications 

Manage how and where you receive updates. 

Steps to Customize Notifications: 

Visual Aid: 
(Include a toggle-based notification settings screen.) 

5. Account Statements 

Track and review your financial activity. 

Steps to Request Account Statements: 

Step 1: Navigate to Transaction History in Account Settings. 

Step 2: Tap Request Statement and choose a date range. 

Step 3: Download the statement directly or have it emailed to you. 

Visual Aid: 
(Illustrate a statement request screen with a calendar for selecting dates.) 

6. Connected Devices 

Know where your account is logged in. 

Steps to View Connected Devices: 

Step 1: Go to Device Management in Account Settings. 

Step 2: See a list of logged-in devices, including: 

Step 3: Check out for an unfamiliar device different from yours, log it out remotely. 

Visual Aid: 
(Show a connected devices list with logout options for each device.) 

7. Rate Us 

Help us improve by sharing your feedback. 

Steps to Rate the App: 

Step 1: Open the Rate Us section in Account Settings. 

Step 2: Follow the link to your app store and leave a review. 

Tip: If you already have two devices linked, you’ll need to remove one before adding a new one. 

Visual Aid: 
(Include an image of the full-screen notification for login approval, showing options to “Approve” or “Deny.”) 

2. Removing a Device 

Steps to Remove a Device: 

Visual Aid: 
(Show a security settings screen listing connected devices with a remove button.) 

3. Two-Step Verification (2FA) 

Enhance your account’s security with 2FA, requiring a secondary verification step during login. 

Choose Your 2FA Method: 

Note: SMS-based 2FA is less secure; consider using an authenticator app. 

Visual Aid: 
(Illustrate a 2FA setup screen showing options for SMS and authenticator apps, with a QR code for scanning.) 

4. Changing Your PIN 

Steps to Change Your PIN: 

Forgot Your PIN? 

Visual Aid: 
(Show a PIN reset screen with fields for entering the current and new PIN, along with biometric authentication.) 

5. Log Out from All Devices/Freeze 

Steps to Log Out from All Devices: 

Visual Aid: 
(Include a log-out confirmation screen with a note about resetting the password afterward.) 

6. Login Timeout 

Automatic Logout After Inactivity: 

Re-login: 

Visual Aid: 
(Illustrate a timeout notification screen with options for quick re-login.) 

7. Connected Devices 

View Logged-In Devices: 

Visual Aid: 
(Show a connected devices list with device details and a “Log Out” button for each entry.) 

8. Customer Support for Security Issues 

If you encounter any issues, contact customer support directly: 

Visual Aid: 
(Include a help and support screen showing live chat and email options.) 

Stay Secure with Pocket Moni! 

With these robust security features, Pocket Moni keeps your account safe and under your control. Take a moment to explore these options today and enjoy peace of mind while managing your finances! 

Verification 

Whether it’s obtaining a BVN, NIN, or updating existing details, this guide provides all the information you need to complete the process smoothly. 

Don’t Have a BVN? Here’s How to Get One 

Steps to Enroll for BVN: 

Documents You May Need: 

Visual Aid: 
(Image showing a user at a bank counter with text labels like “Fill Out Form,” “Provide Biometric Data,” and “Receive Transaction ID.”) 

How to Check Your BVN: 

For more details, visit: 

Visual Aid: 
(Mock-up of a phone screen displaying the USSD code *565*0# being dialled, with a notification showing the BVN result.) 

Don’t Have an NIN? Here’s How to Get One 

Steps to Enroll for NIN: 

For a list of enrolment centers, visit: 
NIMC Enrolment Centres. 

Visual Aid: 
(Graphic of a user filling out an enrolment form, visiting an enrolment center, and receiving an acknowledgment slip. Label steps like “Download Form,” “Submit Biometric Data,” and “Receive NIN.”) 

Updating Your BVN or NIN Information 

When to Update Your BVN Information: 

Requirements for BVN Updates: 

Steps to Update Your BVN: 

Visual Aid: 
(Illustration of a bank teller assisting a customer, with required documents like an ID, utility bill, and BVN number highlighted on the counter.) 

Steps to Update Your NIN Information: 

Visual Aid: 
(Screenshot mockup of the NIMC website, showing the “Data Modification” option selected and editable fields highlighted.) 

Tips for Document Uploads: 

Visual Aid: 
(User interface mockup showing a document upload field with size and format requirements listed: "Supported Formats: JPEG, PNG, PDF. Max Size: 5MB.") 

WALLPAPER AND SMART SEARCH

1. Custom Wallpaper 

Customizing your Pocket Moni app’s background is a fun and personal way to make your experience unique. Whether you want to choose from preloaded themes or upload your own image, the process is seamless. 

Step-by-Step Guide to Custom Wallpaper 

Visual aid 

(A screenshot of the profile section in the wallpaper community) 

Visual aid 

( A screenshot displaying the list of  default themes) 

Visual Aid for Custom Wallpaper: 

2. Smart Search for App Features 

The Smart Search feature in Pocket Moni makes navigating the app quicker and easier. Whether you’re looking for a specific feature, transaction, or beneficiary, Smart Search has you covered. 

Step-by-Step Guide to Smart Search 

Visual Aid for Smart Search: 

Key Benefits of These Features 

Custom Wallpaper: 

Smart Search: 

With these features, Pocket Moni combines personalization and efficiency to enhance your financial management journey! 

UPTIME MONITOR 

The Uptime Monitor feature in Pocket Moni provides real-time insights into the performance of banks and billers, helping you make informed decisions before initiating transactions. 

Step-by-Step Guide to Using Uptime Monitor 

Visual Aid for Uptime Monitor: 

SOCIAL POCKETS

Welcome to PocketMoni Social Pockets, where collaborative funding meets transparency and efficiency. Social Pockets allows groups to pool funds towards shared goals while ensuring accountability through structured approvals. Here's everything you need to know about creating, managing, and participating in Social Pockets. 

Types of Social Pockets 

Roles in a Social Pocket 

How It Works 

Creating a Pocket 

Essential Pockets: 

Flexible Pockets: 

Adding Members 

Joining a Pocket 

Funding a Pocket 

Tracking Pocket Activities 

Disbursement & Withdrawal 

Triggering Disbursement: 

Approvals: 

Mode of Disbursement: 

Charges: A small fee applies to every disbursement. 

Closing a Pocket (Cancelling a pocket) 

Settings Overview 

Your Next Steps: 
 Dive into PocketMoni Social Pockets and start making meaningful financial collaborations! Have questions? Contact our support team anytime!