Money goes. Money grows. Make sure yours does both.

Start marking up your bills so you can save while you spend. eMonie turns turns each swipe into savings, growing your vault as you live your life.

Request early access

You will spend money whether or not you have it, so why not make something out every spend, it's the only sure way to bank for the future.

Vault

Your vault is funded from markups on your spending.

You set how frequently your withdrawal window opens.

Funds in your vault earn interests as they grow.

Your funds are securely deposited and safely invested in treasuries and other assets approved by various regulatory agencies such as CBN, SEC etc.

You’re in charge, so you set the rate.

Charge yourself a little or a lot. You decide how much to earn on what you spend.

Life’s expensive—invoice accordingly.

You can set different rates for different kinds of expenses. All expenses are not made equal.

Transportation

4% Markup

Food

3% Markup

Entertainment

8% Markup

Urgent 2k

Quick cash? We’ve got you.

You can withdraw up to 25% from your locked vault, once each month, to make up for expenses.

It’s not what you owe, It’s what you own.

Loans

Smart loans, backed by your vault.

Get quick access to loans — the more we know you the better.

Borrow and don’t “pay back” – loans can be repaid with markups, instead of a one-time payment.

You can access loans based on your vault, to combat surprise exepenses.

Rethink loans. Reclaim control.

Traditional debt holds you back — we move forward with you.

Smart loans, backed by your vault.

Your vault gives you access to flexible loans when the unexpected hits.

---

Empowered spending changes everything.

Awareness is power.

See where your money goes and make it work its way back to you.

Make spending your smartest investment.

Gain insights into your patterns. Build wealth with intention.

Still wondering how it works?

See more FAQs

What is eMonie?

eMonie helps you save whilst you spend, by marking up your expenses in order for you to save from your daily spend, thereby slowly building up funds for a rainy day.

Can I import transactions?

eMonie helps you save whilst you spend, by marking up your expenses in order for you to save from your daily spend, thereby slowly building up funds for a rainy day.

What is your cancellation policy?

eMonie helps you save whilst you spend, by marking up your expenses in order for you to save from your daily spend, thereby slowly building up funds for a rainy day.

Join the club of those who live & earn daily.

Request early access