If you check your Moniepoint account number in the app’s account settings, you will see that you have two account numbers.

This is because Moniepoint allows customers to change between the default Moniepoint phone number account to the inactive Moniepoint account number back and forth.

So, how can you switch between them, and what are the implications?

In this guide, I will walk you through the exact steps based on the real app navigation experience. The process is simple. You just need to follow it carefully.

Key lessons to learn:

• How to switch from a Moniepoint phone number account to your actual account number.
• How to change your Moniepoint account number back to your phone number account.
• What happens after you switch?
• Important things you must know before making the change.

Understanding Moniepoint Account Number vs Phone Number Account

Before you switch anything, you need to understand how both options work inside the Moniepoint app.

What Is a Moniepoint Account Number?

A Moniepoint account number is the regular bank account number assigned to you after opening your account.

It looks like a normal 10-digit bank account number like other Nigerian NUBAN bank accounts.

When this option is active:

• People can send money to you using that account number.
• Your phone number will not work as your account number.
• Your account number may appear hidden when the phone number feature is enabled.

This option gives you more privacy because you are not sharing your personal phone number for transfers.

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What Is Moniepoint Phone Number Account Feature?

This is a feature that allows your registered phone number to act as your account number. If your phone number is 08123456789, your Moniepoint account number will be 8123456789. Interestingly, this is your default Moniepoint bank account since Moniepoint operates as a mobile banking platform.

When enabled:

• People can send money to you using your phone number.
• You do not need to share a 10-digit account number.
• Your actual account number becomes inactive for transfers.

This option is more convenient and easier to remember.

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Key Differences Between Both

Feature	Actual Account Number	Phone Number Account
What is used for transfer	10-digit account number	Your registered phone number
Privacy level	More private	Less private
Easy to remember	Not easy	Easy
Can both work together?	No	No

Only one option works at a time.

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When Should You Use Each Option?

Use your actual account number when:

• You want more privacy.
• You do not want to share your phone number.
• You are receiving large or formal payments.

Use your phone number account when:

• You want fast and easy transfers.
• You are receiving money from friends or customers.
• You do not want to share long account details.

How to Switch from Moniepoint Phone Number Account to Actual Account Number

If your phone number is currently acting as your account number, you can disable it. Once you do that, your actual Moniepoint account number becomes active again.

Follow these steps carefully inside the Moniepoint app:

Step 1: Open the Moniepoint App

Launch the Moniepoint app on your mobile phone (Android or iPhone).

Step 2: Log In

Log in using your registered phone number and password.
You can also use fingerprint or Face ID if enabled.

Step 3: Tap Your Profile Picture

At the top right corner of your dashboard, tap your profile picture.
This will open your account profile section.

Step 4: Select Settings

Scroll down and tap on Settings.

Step 5: Tap “Phone Number Account”

Inside the settings section, look under the Transaction category.
You will see the Phone Number Account option.
Tap on it.

Step 6: Toggle OFF Phone Number Account

You will see a toggle (switch).
Turn it OFF.

Once you disable it:

• Your phone number will stop working as your account number.
• Your hidden Moniepoint account number will become active.
• People can only send money to you using your actual account number.
• Transfers sent to your phone number will fail until you enable it again.

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Important Security Notes

• Make sure you inform anyone sending you money about the change.
• Always confirm which account detail is active before sharing it.
• Do not share your login details with anyone.
• Ensure your app is updated before making changes.

How to Change Moniepoint Account Number to Phone Number

If you want your phone number to start working as your account number again, you can enable it in the app.

The process is simple inside the Moniepoint app.

Follow these steps:

Step 1: Open the App

Launch the Moniepoint app on your phone – Android or iPhone

Step 2: Log In

Sign in using your registered phone number and password.
You can also use fingerprint or Face ID.

Step 3: Go to Your Profile

Tap your profile picture at the top right corner of the dashboard.

Step 4: Select Settings

Scroll down and tap Settings.

Step 5: Choose “Phone Number Account”

Under the Transaction category, tap Phone Number Account.

Step 6: Toggle ON Phone Number Account

Turn the toggle ON.

Once you enable it:

• Your phone number becomes your account number.
• People can send money to you using your phone number.
• Your actual Moniepoint account number becomes inactive for transfers.
• Transfers sent to the account number will fail until you disable the phone number feature again.

The switch happens instantly.

Before you share your details, always confirm which option is currently active.

Important Things to Know Before Switching

Before you change anything inside the Moniepoint app, there are some important things you must understand.

1. Transfers Will Fail If Sender Uses the Disabled Option

This is very important.

If you disable your phone number account:

• Anyone sending money to your phone number will get a failed transaction.

If you enable your phone number account:

• Transfers sent to your actual account number will fail.

Always inform the sender which detail is active.

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2. Only One Option Works at a Time

You cannot use both your phone number and account number together.

Once one is enabled, the other becomes inactive.

This is how the system is designed.

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3. Security Considerations

• Do not switch carelessly if you are expecting payments.
• Confirm your active details before sharing them. Check your current Moniepoint account on the app’s dashboard
• Never share your login details with anyone.
• Use a strong password and enable biometrics.

If you prefer privacy, use your actual account number instead of your phone number.

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4. Your App Must Be Updated

If you do not see the phone number account option:

• Update your Moniepoint app from your app store.
• Restart the app after updating.

Using an outdated version may hide some features.

Common Problems and How to Fix Them

Sometimes you may face small issues while switching inside the Moniepoint app. Most of them are easy to fix.

Here are the common ones:

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1. Phone Number Account Option Not Showing

If you cannot see the Phone Number Account option:

• Update your Moniepoint app from your app store.
• Log out and log in again.
• Restart your phone.
• Check if your account is fully verified.

If it still does not show, contact Moniepoint support through the app.

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2. Toggle Not Working

If the toggle refuses to switch:

• Check your internet connection.
• Switch between mobile data and Wi-Fi.
• Close and reopen the app.
• Update the app.

Sometimes a poor network causes this issue.

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3. App Keeps Crashing

If the app crashes while trying to switch:

• Clear the app cache (for Android users).
• Restart your phone.
• Reinstall the app if necessary.

Make sure your phone software is also updated.

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4. Not Receiving Transfers After Switching

This usually happens when:

• The sender used the disabled account detail.
• You forgot which option is active.

Go back to Settings → Phone Number Account and confirm which one is enabled.

Always double-check before sharing your details.

FAQs

Here are answers to common questions about switching account options in the Moniepoint app.

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1. Can I use both Moniepoint account number and phone number at the same time?

No.
Only one option works at a time.

If your phone number is enabled, your actual account number becomes inactive for transfers.
If you disable the phone number feature, your account number becomes active again.

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2. Is it safe to use my phone number as account number?

Yes, it is safe.

However, it offers less privacy because people will see and use your phone number for transfers.
If you prefer more privacy, use your actual account number instead.

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3. Why is my Moniepoint account number hidden?

Your account number is usually hidden when the phone number account feature is enabled.

Once you disable the phone number option, your actual account number becomes visible and active again.

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4. How do I recover my hidden Moniepoint account number?

Simply go to:

Profile → Settings → Phone Number Account

Then toggle OFF the phone number feature.

Your account number will become active again.

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5. Does switching affect my BVN or account details?

No.

Switching does not affect your BVN, balance, transaction history, or personal details.

It only changes how people can send money to you.

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6. Can I switch anytime?

Yes.

You can switch anytime inside the app.

There is no waiting period and no charge for switching.

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7. What happens to pending transfers when I switch?

If someone sends money using the disabled option, the transfer will fail.

The sender will need to resend the money using the currently active account detail.

Always confirm which option is active before sharing your details.

Summary

Moniepoint allows you to decide how you want to receive money — either through your phone number or your actual account number. This flexibility gives you better control, more convenience, and improved privacy depending on your needs.

Switching between both options is instant and free. But you must always confirm which one is active before sharing your details to avoid failed transfers.

Here is a recap:

• How to Switch from Moniepoint Phone Number Account to Actual Account Number
  1. Open the Moniepoint app.
  2. Log in to your account.
  3. Tap your profile picture.
  4. Select Settings.
  5. Tap Phone Number Account under Transaction.
  6. Toggle it OFF.
     → Your actual account number becomes active, and transfers to your phone number will fail.
• How to Change Moniepoint Account Number to Phone Number
  1. Open the app.
  2. Log in.
  3. Go to your profile.
  4. Select Settings.
  5. Choose Phone Number Account.
  6. Toggle it ON.
     → Your phone number becomes your account number, and transfers to your account number will fail.
• Only one option works at a time.
• Switching does not affect your BVN, balance, or transaction history.
• Always inform anyone sending you money after you switch.
• Update your app if you cannot see the phone number account option.
• Double-check your active detail before sharing it to avoid failed transfers.

If you follow these steps carefully, you can confidently manage how you receive money on Moniepoint without confusion.

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