Security & Trust
Your money and data are safe with BellMonie
We employ multiple layers of security — from bank-grade encryption to 24/7 fraud monitoring — to protect every naira and every byte of your information.
CBN Regulated Partners
NDIC Insured
PCI-DSS Compliant
ISO 27001
How we protect you
Multiple layers of protection
Every BellMonie account is protected by a suite of security technologies working together around the clock.
End-to-End Encryption
All data transmitted between your device and BellMonie servers is encrypted using 256-bit AES encryption — the same standard used by major global banks.
Biometric Authentication
Log in and authorise transactions using Face ID or fingerprint. Biometric data never leaves your device.
Transaction PIN
Every transaction requires your personal 4-digit PIN, adding a second layer of authentication for every payment.
Instant Alerts
Get a push notification and SMS for every transaction on your account the moment it happens.
Fraud Monitoring
Our systems monitor every transaction 24/7 for unusual patterns. Suspicious activity is flagged and reviewed immediately.
OTP Verification
One-time passwords are required for sensitive actions like login from new devices, PIN changes, and large transfers.
Secure Infrastructure
BellMonie's servers are hosted in ISO-certified data centres with physical security, redundancy, and regular penetration testing.
Regulatory Compliance
Banking services are provided through our licensed partner banks, regulated by the Central Bank of Nigeria (CBN), with customer deposits insured by the Nigeria Deposit Insurance Corporation (NDIC).
Certifications
Secure, insured, and certified
CBN Regulated Partners
Banking activities powered by CBN-regulated partner banks
NDIC Insured
Deposits insured up to N250,000 per depositor through our partner banks
PCI-DSS Compliant
Payment Card Industry Data Security Standard certified
ISO 27001
Information security management system certified
Stay Safe
Tips to keep your account safe
Security is a shared responsibility. Here are simple steps you can take to protect your BellMonie account.
- 1
Never share your PIN, password, or OTP with anyone — including BellMonie staff. We will never ask for these.
- 2
Always log out of the app after use on shared or public devices.
- 3
Enable biometric login for faster and more secure access.
- 4
Report suspicious activity immediately via the in-app chat or our support line.
- 5
Regularly review your transaction history and set transaction alerts.
- 6
Use a strong, unique password for your BellMonie account and email address.
- 7
Beware of phishing attempts. BellMonie will never send unsolicited links asking you to log in.
Spotted something suspicious?
If you notice any unauthorised activity on your account or receive a suspicious message claiming to be from BellMonie, report it immediately.
