MoniYes Split Bank Account Number. Automatically share money the way you want.
A MoniYes Split Account Number is a smart Nigerian bank account number. When money is transferred to it, it automatically splits by your defined percentages into the bank accounts you choose — settled by the next business day.
Set it up once. It runs forever.
Four steps between you and never sending "I have transferred your share" messages again.
Create your account
Sign up with your name, email and a password. Confirm the 6-digit code we email you.
Verify your identity
Provide your BVN or NIN and phone number. This protects you and is required to issue a real bank account number.
BVN / NIN · one-timeAdd beneficiaries & shares
Add the bank accounts that should receive money and give each one a percentage. Mark one as your primary account.
Shares must total 100%Get paid
Share your Split Account Number. Every inbound transfer is split automatically and settled to each beneficiary by T+1.
Settled T+1Which one is you?
Every example below is a real way people split money today — by hand, late at night, with plenty of "sorry, network". Let the account do it instead.
Freelancer or creator
Clients pay one account number. Tax and savings are set aside before you can touch the money, every single time.
Landlord or property agent
Tenants pay rent into one Split Account Number. Co-owners get their share, the caretaker gets theirs — no reminders, no arguments.
Family breadwinner
Salary or business income lands and is shared automatically: your account, your spouse, mum in the village, school fees account.
Church, mosque or association treasurer
Members pay dues and offerings into one number. Shares go transparently to the building fund, welfare and operations — with a ledger everyone can trust.
Side-hustle seller with a supplier
Customers pay you once. Your supplier or business partner automatically receives their cut, and you keep your margin.
Ajo / Esusu collector
Contributions from members are split straight into the group pot and the collector's commission — no counting, no missing money.
Less admin. More peace of mind.
No manual transfers
Stop moving money around after every payment. The split happens before you even open your banking app.
No transfer-fee stacking
One payment in, one split out. You are not paying separate transfer charges for every person you send money to.
Transparent ledger
Every payment and every share is recorded. Perfect for co-owners, families and associations that need to see the numbers.
Bank-grade security
Real bank account numbers, verified beneficiaries, encrypted data and KYC — built like a financial service, because it is one.
Works with any Nigerian bank
Receive from any bank or app, and send shares to accounts at any Nigerian bank — traditional or digital.
See a payment split itself.
Type any amount a client, tenant or family member might send you. This is an illustration of a 60 / 30 / 10 setup — in your account you choose the people and the percentages.
Create my splitIllustration only. Any rounding difference goes to your primary account so every kobo is accounted for. Applicable fees are shown transparently in your account before activation.
Questions people ask before they switch
What exactly is a Split Account Number?
It is a real Nigerian bank account number issued to you by MoniYes. Anyone can transfer money into it from any bank or app. The difference is that you decide, in advance, how every payment that lands in it is shared — for example 70% to your own account, 20% to a savings account and 10% to a family member — and MoniYes does the splitting automatically.
Which banks can I send my split shares to?
Any Nigerian commercial bank or licensed digital bank. Each beneficiary is simply a bank account number and bank name that you add and verify. You can mix banks freely — one share to GTBank, another to Kuda, another to UBA.
How fast do beneficiaries receive their share?
Payments into your Split Account Number are split and settled on a T+1 basis, meaning every beneficiary account is credited by the next business day. You can follow each payment and its split in your MoniYes ledger.
Can I change the percentages later?
Yes. You can update beneficiaries and their percentage shares at any time. The only rule is that the shares must always add up to exactly 100%. Changes apply to new payments received after you save them; payments already received are settled using the shares that were active at the time.
Is there a limit on how many beneficiaries I can add?
You can add several beneficiaries to a single Split Account Number, each with its own percentage. One of them is marked as your primary account, which also receives any rounding difference so that every kobo is accounted for.
What do I need to get verified (KYC)?
Because a Split Account Number is a real bank account, Nigerian regulations require identity verification. You will be asked for your BVN or NIN and a phone number. Verification is done once and keeps your account and your beneficiaries protected.
What does it cost?
Creating your MoniYes account is free. A small, transparent fee is applied per payment received into your Split Account Number and is shown clearly before you activate the account and on every ledger entry. There are no hidden monthly charges.
Can a business also use a Split Account Number?
Yes. Businesses on MoniYes get the same split settlement engine together with multi-vendor POS, storefronts and vendor payouts. If you run a business, head over to the For Businesses page.
Get in Touch
Want to know if a Split Account Number fits your situation? Tell us how you share money today and we will show you how to set it up.
Let your account do the sharing
Join freelancers, landlords, families and associations across Nigeria who have stopped doing manual transfers after every payment.
Headquarters
Abuja, Nigeria
Email Support
hello@moniyes.com