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This non-refundable fee covers verification and documentation processing. Ensure your wallet has at least NGN 1,500 before submitting.
Application reviewed within 24-48 hours. You will be notified once approved.
Transfer to any account below then send proof via WhatsApp. Admin credits your wallet within 30 minutes.
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A PIN reset request will be sent to admin. Once approved you will see a prompt to set a new PIN immediately from your Profile page.
Admin approved your request. Set your new 4-digit PIN now.
ZMONIE Finance — Fixed Investment & Loan Services
These Terms and Conditions govern all financial services offered by Zmonie, including Fixed Investment and Loan services. By using the platform, users agree to comply with all terms stated below.
Zmonie Fixed Investment allows users to invest funds for a fixed period and earn 10% monthly returns on your investment.
Investors earn 10% monthly interest on their investment. Interest payment schedule may be monthly or as agreed by the platform.
Investors may extend their investment beyond the initial duration. Extension terms must be agreed before maturity.
Early withdrawal before maturity is not allowed except under special agreement. Early withdrawal may result in loss of interest or penalties.
Applicants must provide one guarantor. Additional verification may be requested before approval.
All applications are subject to approval. The platform reserves the right to approve or reject any application without explanation.
Repayment terms are agreed before disbursement. Borrowers must repay principal + agreed interest within the specified period.
Borrowers are entitled to a grace period of 3 to 5 days after due date without penalty where applicable.
Failure to repay after grace period results in loan default. Recovery actions include:
All recovery actions comply with applicable laws.
Data Collection. We collect name, email, phone number, and transaction data to provide our services.
Data Use. Used only to process transactions and provide customer support.
Data Security. All data encrypted via Firebase. PINs are hashed and never stored in plain text.
Contact. zmonieservice@gmail.com
30-day term · 24% flat interest · Daily repayment
By submitting, you agree to pay NGN 5,000 documentation fee and repay daily for 30 days
Complete all sections carefully
Your 10% monthly interest will be paid to the account number below. Make sure it is correct.
After you submit this form, ZMONIE will generate a unique Security Number for you. Keep it safe — your family or children can use this number to claim your funds from ZMONIE if needed.
Your Security Number will be shown immediately after submission
Your investment request has been received. Admin will review and approve within 24 hours.
Keep this number safe. Your family or children can present this number to ZMONIE to claim your funds if needed.
Super Admin Only
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Processed immediately upon approval
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