Moniepoint vs Auritrack
Moniepoint vs Auritrack: Bank Account or Money Tracker?
These two do different jobs, so the real question is which one you are missing. Moniepoint is a licensed Nigerian bank you move money through, with transfers, savings and a big POS network. Auritrack is where you see all of that money together, with an AI that logs and categorizes your spending. Most people in Nigeria end up using both.
- Pricing verified:
- Jul 2026
Moniepoint vs Auritrack: feature comparison
Feature comparison of Moniepoint and Auritrack
| Feature | Auritrack | Moniepoint |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | Basic spending tracking on your account |
| Automatic bank sync | On the roadmap; statement import today | NoTracks your Moniepoint account only |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | NoBanking and savings, not budgeting |
| Savings goals | Yes | YesTarget Savings plans |
| Invoicing | Small-business records and reports | Business banking and management tools |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoNaira-focused |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Account statements |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | No |
| Shared / household accounts | Yes | No |
| Sells your data to advertisers | No | No |
| Price | Free app + web from $3/mo | Free account |
Which one is right for you?
Choose Moniepoint if…
- You want a licensed bank account with reliable transfers
- You run a small business and want banking plus a POS network
- You want savings interest and target plans in one place
- You need cards delivered and payments handled
Choose Auritrack if…
- You want to see spending across every account, not just your Moniepoint balance
- You want an AI to categorize your money instead of a basic transaction list
- You want real budgets and goals in naira
- You want to upload a bank statement and have it read and sorted for you
Set up naira budgeting in Auritrack
Copy this prompt, create your account, and paste it into the Auritrack AI chat. It sets up a naira budget that keeps personal and business money apart.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create your account
Free on mobile and Telegram; web from $3/mo.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The verdict
Pick Moniepoint for the banking itself: transfers, business tools, savings and the POS network. Pick Auritrack to actually track and budget your money across all your accounts, with AI doing the categorizing. Running Moniepoint for banking and Auritrack for the budget is the most common setup, and Auritrack is free to start on iOS, Android and Telegram.
Where Moniepoint still wins
- being a licensed bank with reliable transfers
- business banking and its POS agent network
- savings interest and target plans
Frequently Asked Questions
Looking to move off Moniepoint specifically? Read the Moniepoint alternative guide, which covers migration and what to expect after switching.
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Compare and switch
Ready to try Auritrack instead of Moniepoint?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. It’s free on the mobile apps and Telegram, with AI pay-as-you-go; the web app is from $3/month.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.