In 2011, the Central Bank of Nigeria (CBN) introduced a policy on cash based transactions aimed at reducing the country’s dependence on a cash economy and reducing the inherent costs of moving cash that banks and other financial institutions incur as a result. In view of this, eTranzact – Nigeria’s most trusted mobile money giant, has launched a fully automated mobile banking system known as PocketMoni to enable Nigerians move money and do all other monetary transactions without physical cash.
With PocketMoni , you can – Send & receive money from your phone anywhere in Nigeria, – Buy airtime of all networks in Nigeria – Buy air tickets, – Tie all your bank accounts to your phone – Receive and transfer money from any bank account in Nigeria, – Pay utility bills such as PHCN, DSTV, MYTV, HITV, TRENDTV + so many other vendors.
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-Its convenient…no holiday hassles, it works 24/7 -Charges a monthly one time fee of N150 compared to charges + VAT in our banks -Its fast anywhere, anytime and so much more!
To get started, all you need do is text “Reg FirstName LastName 002571” (Example: Reg Annabel John 002571) & send to 20220 and you’ll be signed up immediately. SMS costs 10 naira only! Approved by Central Bank of Nigeria (CBN) & powered by eTranzact.
Because of the simplicity and effectiveness of PocketMoni, millions of Nigerians are rushing to start using the platform. As a result, eTranzact is currently accepting individuals to register as Agent to help make PocketMoni a household brand.
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Contact your Agent (234-8122642466) for ENQUIRES OR Contact eTranzact Customer Care Agent on 234(1)5780551 OR Send an email to [email protected] OR Visit our website on www.PocketMoni.com
POCKETMONI SIMPLE USER GUIDE
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WHAT IS POCKETMONI
The eTranzact PocketMoni solution is a brand name of eTranzact Mobile Money. eTranzact is among the first licensed mobile operators by CBN. PocketMoni is secured, convenient and cost effective.
HOW SECURED IS POCKETMONI?
PocketMoni is fully secured with encryption technology and requires a PIN for every transaction known only to the user. PLEASE DON’T GIVE OUT YOUR PIN TO ANYONE.
WHAT HAPPENS IF I LOST MY POCKETMONI PHONE?
Kindly request for a SIM SWAP from your network provider and contact eTranzact ([email protected]) to Block your account pending when you retrieve your line. However, your account is still fully secured in eTranzact settlement bank and no one knows your pin.
DOES POCKETMONI WORK ON ALL PHONES?
Yes. We have Java and SMS + IVR channels. Java Application: Java version is for Java-enabled GSM phones and can be downloaded through a dedicated web link which is received by sending a specified SMS to a dedicated short code.
This uses a combination of two channels for transactions, customer initiates a transaction over SMS, which automatically triggers and out-bound IVR call. The customer completes the transaction over the IVR call flow.
WHAT ARE THE POCKETMONI CHARGES FOR TRANSACTIONS?
All transactions are FREE. Users will only be charged a fixed monthly maintenance fee of N150 monthly.
WHAT SERVICES ARE AVAILABLE ON POCKETMONI?
Services Available to PocketMoni Users
Pocketmoni Financial Transactions
1. Buy Airtime of all Networks
2. Send Money To: (a) PocketMoni user (b) eTranzact card (c) Any Mobile Phone user (d) Any Bank Account in Nigeria.
Withdraw cash: (a) At agent location or Partner Banks (b) At Partner Bank ATM via Cardlex cash Pay Bills: (a) Pay Cable TV subscription (e.g Dstv, Hitv, MyTV, Trend Tv), (b) Pay Utilities, Fees, Levies and Taxes (c) Pay Merchants (e.g Supermarkets, Restaurants, Petrol Filling Stations, Red cab etc).
i. Change PIN. ii. Check Balance. iii. View Last 5 Transactions Add/Delete eTranzact Debit/prepaid Card. V. Change Set-up
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Sends an SMS with the words “REG FIRST NAME LAST NAME and CODE (002571)” to 20220 for MTN, ETISALAT and AIRTEL Examples: REG ADEWALE ADEYEMI 002571
NOTE: Kindly give A SPACE after each parameter.
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Customer will receive an SMS containing a congratulatory message, 4 digit default PIN and pocketMoni link to download the application for those using java enable phone.
This PIN can then be changed by simply using SMS IVR; text “CH” to the short code provided above OR using the downloaded application; Security; Change Pin” on the Java application after the downloading it successfully.
All SMS cost N10 If the initial setup is NOT SUCCESSFUL, user can REDO the set-up by using the ‘change-setup’ option (under ‘utilities’) under the ‘Services’ menu.
HOW DO I FUND MY POCKETMONI?
Kindly walk into any eTranzact PocketMoni agent locations or any branch of our partner banks: SKYE, FCMB, UBA, FIRST BANK, ACCESS, INTERCONTINETAL, ZENITH, GTB, OCEANIC, FIDELITY, KEYSTONE, UNION. Type of Payment: eTranzact Pocketmoni Account Name: eTranzact Plc Account number: PocketMoni Account Number (MOBILE NUMBER) your phone number should be your account number.
NOTE: Irrespective of the amount, a Service fee of N100 is charged at agent locations and Banks.
This simply means that all PocketMoni users can conveniently, walk into any of the above banks and deposit money into their PocketMoni account or loved ones, friends and business partners PocketMoni account without having any Bank account with such bank.
HOW DO I LINK/ADD MY BANK ACCOUNT TO POCKETMONI ACCOUNT?
After registering pocketMoni account using the format above kindly visit your bank and request for mobile banking service powered by eTranzact . These are the names used by various banks:
First Bank: FirstMobile
Union Bank: UnionMobile Intercontinental: Imobile
Zenith: ZenithMobile (Zmobile) Wema: WemaMobile
Go to services, card management on pocketMoni menu and add card. You can use the name of the bank or any name of your choice. After you have added your card successfully, change the default pin given to you by the bank using the security menu.
NOTE: when changing the pin, under card to use, select the name of the card you added.
HOW DO I USE POCKETMONI SMS-IVR CHANNEL?
Using the SMS-IVR Channel This channel enables you to do transactions by sending a designated command to the short code for your mobile operator. When you initiate a transaction, you get a call back from a voice response which prompts for your PIN to authenticate the transaction.
1.0: Change PIN SMS: CH to 20220 1.2: Check Balance SMS: BL 1.3: Buy Airtime (PIN Voucher) SMS:PIN MobileNetwork Amount Quantity Example: PIN Glo 500 1 1.4: Buy Airtime (PIN Voucher) for another person
1.6: Airtime by VTU to another person SMS: VTU MobileNetwork Amount [beneficiary number] Example: VTU Mtn 200 08123455556 1.7: Send Money To Mobile Number SMS: SEND Amount PocketmoniNo Example : SEND 5000 08123456775 1.8 Send Money To eTranzact Genesis Card SMS: Send Amount CardNo 1.9 Pay Bills (Dstv, Hitv, e.t.c) SMS: PAY Biller Alias Amount SmartCardNo
Example: PAY Dstv 10000 734555666 2.0 Pay Merchant SMS: PAY MerchantAlias Amount Invoice No. if available 2.1 Send Money To eTranzact SEND AMOUNT CARD NO 2.2. Send Money To Bank Account (10 Digit NUBAN) SMS: SEND Amount BankName AccountNo Example: SEND 5000 Skye 0234567112
Bank Names to use in SMS when sending money to Bank Account:
1. First Bank – FBN 2. Union Bank – Union 3. Skye Bank – Skye 4. United Bank for Africa – UBA 5. First City Monument Bank – FCMB 6. Access Bank – Access 7. Intercontinental Bank – ICB 8. First Inland Bank – FinBank 9. Guarantee Trust Bank – GTB 10. Oceanic Bank – Oceanic 11. StanbicIBTC Bank – Stanbic 12. Fidelity Bank – Fidelity 13. Equitorial Trust Bank – ETB 14. Keystone Bank – Keystone 15. Mainstream Bank – Mainstream 16. Enterprise Bank – Enterprise 17. Sterling Bank – Sterling 18. Ecobank PLC – Ecobank 19. Wema Bank – Wema 20. Zenith Bank – ZIB 21. Unity Bank – Unity
PocketMoni is the brand name of eTranzact’s Mobile Money service supported by eTranzact’s Mobile Money Platform.
The eTranzact platform is the first truly operational mobile commerce application that is multi network capable and can interface seamlessly with third party payment schemes.
The service in line with international standards is secured utilizing 3DES encryption technology. In addition a PIN is required for every transaction.
With PocketMoni, our customers can securely, conveniently and cost-effectively send money to the bank accounts and mobile phones of family and friend, buy airtime from any GSM Network, Pay bills such as DSTV, Hi TV, make deposits and pay for goods and services at designated merchant outlets amongst other things.
Who is eTranzact International Plc?
eTranzact International Plc is a payment company as well as a switch. We pioneered Mobile Payment in the country.
The company currently has presence in 7 countries including Nigeria. These include Kenya, Ghana, Cote d’ivoire, Zimbabwe, South Africa, and UK. Our products and service offerings cover both collections and payment and are enabled on Card Schemes, Point of Sales (PoS), ATMs, Internet and Mobile.
Our mission is to provide secure, convenient and affordable means to make and receive payments.
How Can I get PocketMoni?
You can get PocketMoni by: By Texting “Reg FirstName LastName 002571” to 20220 Visiting any of our agent locations across the country.
What transactions can I perform using PocketMoni?
You can do the following transactions on pocketmoni
ü Buy Recharge Card ü Send money to your love ones ü Send money to any bank account ü Pay for DSTV subscription ü Pay other bills ü Check Balance & mini statement ü Cash deposit ü Cash withdrawal ü Pay Insurance premium and so much more
How much can I transact on PocketMoni?
For Classic Users with no KYC (Name and Phone number), N3, 000 is the transaction limit and N30, 000 daily limit (every user is a classic user when registered and can upgrade at will).
Silver subscribers can do N10, 000 per transaction and N100, 000 per day.
For Platinum User, N100, 000 transaction limit and N1, 000,000 daily limit.
How do I upgrade to Silver or Platinum Subscriber?
Visit any Agent shop and provide the necessary documents as requested by CBN. The documents are Means of identification (Drivers license, International passport, National Card) Proof of address (Utility Bill)
1 passport affix to the application form Duly signed application form The upgrade will be done by the Agent/Aggregator and authorized by eTranzact
Does the PocketMoni application work on any phone and any network?
Yes Pocketmoni have two models of application (java based and SMS/IVR) Java based is the one installed on the phone (this is mandatory for all Agents) and it works on compatible phones and on the 4 major networks (MTN, GLO, AIRTEL and ETISALAT) The SMS/IVR is the model that will most likely be used by users (this is for low end phones as well as phones made in China) and it works on all network too.
How Do I fund my PocketMoni Account
You can fund your PocketMoni Account by: ü Obtaining a PocketMoni card from any of our Card Pick-Up locations or at our head office. ü Visit your nearest PocketMoni Agent or any of the under listed banks to make a deposit into your mobile money account. First Bank of Nigeria Plc United Bank for Africa Union Bank Plc Intercontinental Bank Plc Skye Bank Plc Fidelity Bank Plc Access Bank Plc First City Monument Bank ü Fill out a deposit slip.
Ensure you enter your PocketMoni account details (card number) and hand it over to the processing agent or teller (in the case of bank) along with the amount to be deposited. ü Collect your receipt of payment. ü You should receive confirmation of payment within 1 hour.
How do I Make Cash Withdrawals from my PocketMoni Account?
You can Cash out of your PocketMoni account by: ü Visiting the nearest PocketMoni Agent ü An ATM
What are the applicable charges for Using PocketMoni
The PocketMoni service is free for the first one year apart from transactions done at Agent locations which attract a fee of N50-N100. You are ONLY charged N100monthlyfee for all transactions.
What happens if my phone is missing?
Your money is safe as the money is in one of our settlement banks and not in the phone. The phone is just a channel (also ensure that your PIN has not been compromised) Contact eTranzact helpdesk for next steps.
How can I reach eTranzact Help Desk?
Kindly contact eTranzact Customer Care Agent on 234(1)5780551 for an question or send an email to [email protected] You can also contact us via our website www.pocketmoni.com
I did a topup request and have not gotten any confirmation, what do I do?
Contact our Help Desk number and we will resolve the issue immediately
Can I transfer funds to a Bank Account on Pocketmoni?
ü Absolutely Yes. You can transfers to any bank account (with the exception of Citibank and Standard Chartered) ü You can also send money to PocketMoni subscribers and anybody with mobile phone (users that do not have a PocketMoni accounts)
Can I use eTranzact PocketMoni anytime?
Absolutely Yes. eTranzact PocketMoni is available 24/7 and can be use anytime and anywhere
Does PocketMoni works on CDMA lines
NO. Kindly obtain a GSM line to enjoy all the benefits that eTranzact PocketMoni offers you
How safe is PocketMoni?
The application is secure with 3-DES The application also makes use of 4-digit PIN for every transaction All transactions on PocketMoni are encrypted end-to-end.
What do I do when my PocketMoni card account expires?
Contact your Agent for another PocketMoni card account wth new validity OR Contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset or send an email to [email protected]
What if I forget my PIN and/or have been locked out of my account. How do I resolve it?
Contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset
If I misplace my phone, what happens to my Pocketmoni account?
ü Nothing happens to the funds in your mobile money account as your money is in our settlement bank ü Get another phone and start doing transactions again. ü Contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset.
Why do I need PocketMoni card?
PocketMoni card increases your cash out point options as you can cash out money from any ATM using your mobile money card. It can also be used on any POS and on website.
I did Funds Transfer and my PocketMoni account was debited but beneficiary has not received money. What do I do?
Kindly contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset or send an email to [email protected]
I purchased Airtime and my PocketMoni account was debited and I have not receive the airtime. What do I do?
Kindly contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset or send an email to [email protected]
I tried doing transaction and I got invalid PIN
Kindly confirm and re-enter your PIN and if the problem persist, please contact Contact eTranzact Customer Care Agent on 234(1)5780551 for your PIN reset or send an email to [email protected]
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