How Moyo Money Works
We are a rail, not a vault. Your money never leaves your bank.
1
Register
Create your account with just a phone number. No bank details needed upfront.
2
Verify (Optional)
Submit BVN and a government ID for higher limits and all features.
3
Choose Your Rail
Select your bank or payment network — GTBank, Access, Opay, and more.
4
Initiate Transfer
Enter recipient details, amount, and your transaction PIN.
5
Moyo Routes
We route your instruction to the partner network instantly.
6
Confirmation
You receive a real-time status update: CONFIRMED, PROCESSING, or UNKNOWN.
⚠️ About UNKNOWN Status
Sometimes a partner network doesn't respond in time. Moyo marks this as UNKNOWN — your funds have not been debited. Never re-send the transaction. Contact support with your transaction reference and we'll resolve it within 4 hours.