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Put idle cash to work. Earn competitive interest. Access your money when you need it. Build your business's financial future today.
THE PROBLEM
You work hard to make money. Then it just sits in your account earning 0.5% interest.
Meanwhile:
❌ Inflation eats your money
❌ Missing opportunities to grow capital
❌ Emergency funds earning nothing
❌ Saving for expansion but money depreciating
Your idle ₦1M could lose ₦150k+ in purchasing power annually.
THE SOLUTION
Moniepoint Fixed Deposits
Lock away money you don't need immediately. Earn competitive interest. Grow your capital safely.
STEP 1: CHOOSE AMOUNT & TENURE
Decide how much to invest
Choose duration: 30, 60, 90, 180, or 365 days
STEP 2: LOCK IT IN
Money moves from your business account to fixed deposit
Starts earning interest immediately
STEP 3: EARN & WITHDRAW
Interest accrues daily
Get your principal + interest at maturity
Automatically returns to your business account
WHY FIXED DEPOSITS?
GUARANTEED RETURNS
• Fixed rate locked in
• No market risk
• Predictable earnings
• CBN-regulated safety
FLEXIBLE TENURES
• As short as 30 days
• As long as 365 days
• Choose what fits your cash flow
• Renew automatically or withdraw
CAPITAL PRESERVATION
• Your money is safe
• Backed by Moniepoint's financial strength
• Insured by NDIC (up to ₦500,000 per depositor)
• No risk of loss
FORCE YOURSELF TO SAVE
• Money locked away = can't spend impulsively
• Build financial discipline
• Grow your emergency fund
• Save for business expansion
WHO SHOULD USE FIXED DEPOSITS?
✓ You have idle cash in your account (not needed for 30+ days)
✓ You're saving for a specific goal (equipment, expansion, new location)
✓ You want to build an emergency fund
✓ You want safe, guaranteed returns
✓ You need to preserve capital (not risky investments)
EARLY WITHDRAWAL POLICY
• You can break fixed deposit anytime
• You forfeit interest earned
• Principal returned within 24 hours
• No penalties beyond lost interest
We recommend: Only invest money you won't need during the tenure.
Get ATM cards you can use to withdraw cash
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