Moni

Sistema Moni – Freeware – Android

Moni by Sistema Moni: Your Personal Finance Companion

Boris Weber

03/11/2025

Moni simplifies personal finance management with its intuitive interface and robust budgeting features, though it occasionally struggles with syncing data across devices.

Moni Digital application is a fintech product from "Omni Capital NBFI" LLC that offers online collateral-free loans to customers through a mobile application, providing fast credit decisions based on credit scoring.

"Omni Capital NBFI" LLC has obtained a non-banking service license under Decree No. 204 from the Financial Regulatory Commission of Mongolia. The Moni Digital application offers the following services to customers in compliance with the laws and regulations of the Financial Regulatory Commission of Mongolia:

Online loan

We operate strictly in accordance with local Mongolian regulations and laws. Omni Capital NBFI respects its customers' privacy rights and is dedicated to safeguarding and maintaining the confidentiality of their private information. The company is fully committed to protecting customer data privacy. Moni Digital is currently only accessible within Mongolia.

Registration process on the app:

Download Moni application
Initiate the registration process
Accept terms and conditions
Complete required information (Phone number, National ID number)

Loan request:

After customers provide the necessary information, our AI credit scoring system utilizes this data in conjunction with credit history to determine the credit line. Following completion of the credit scoring process, both parties must finalize a Loan Agreement permitting the borrower to access a loan at any time up to their credit limit.

Loan details:

Loan amount: 40,000 – 10,000,000 MNT
Monthly rate: 3%
Max APR: 36%
Credit line period: Minimum repayment of 3 months up to a maximum of 24 months

Loan repayment:

Our system informs customers about loan repayment details through SMS, in-app notifications, push notifications, and telephone calls from our customer service team. Customers can repay loans at any time using the Moni application, local bank apps, or at local bank branches. Upon loan repayment, customers can request a new loan at any time within 365 days.

Example for a 90-day loan with a principal amount of 300,000 MNT:

Loan amount: 300,000 MNT
Loan term: 90 days
APR: 36%
Monthly payment: 106,059 MNT
Interest paid: 5,999 MNT
Total amount paid: 318,177 MNT

Customer service: +976-72721212
Website: https://moni.mn/
Email: [email protected]
Facebook: @Moniapp
Address: Grand building – No.66, Khoroo1, Sukhbaatar duureg, Ulaanbaatar, Mongolia

Overview

Moni is a Freeware software in the category Business developed by Sistema Moni.

The latest version of Moni is currently unknown. It was initially added to our database on 08/28/2010.

Moni runs on the following operating systems: Android.

Moni has not been rated by our users yet.

Pros

User-friendly interface allowing easy navigation and transactions.
Offers multi-currency support for international users.
Provides real-time transaction alerts for better management.
Enhanced security features including biometric login options.
Integrates with various financial services and apps for better financial tracking.
Allows users to set budgets and track expenses effectively.

Cons

Limited customer service options, can lead to slow response times.
Some users report occasional app crashes or bugs during high traffic times.
Transaction fees may apply for certain services, leading to extra costs.
Not widely accepted at all merchants, limiting usability in some areas.
Requires internet access for full functionality, which may not be available to all users.

FAQ

What is Moni by Sistema Moni?

Moni by Sistema Moni is a personal finance management app that helps users track their expenses, create budgets, and set savings goals.

How does Moni help users track their expenses?

Users can manually input their expenses into the app or sync their bank accounts to automatically track their spending.

Can users create budgets with Moni?

Yes, users can set up monthly budgets for various categories like groceries, dining out, shopping, etc. The app will track their spending against these budgets.

Does Moni provide insights on spending habits?

Yes, Moni provides users with detailed insights and reports on their spending habits, helping them identify areas where they can save money.

Can users set savings goals with Moni?

Absolutely, users can set specific savings goals such as saving for a vacation or a new gadget, and the app will help them track their progress towards those goals.

Is Moni available for both iOS and Android?

Yes, Moni by Sistema Moni is available for download on both the Apple App Store for iOS devices and Google Play Store for Android devices.

Are there any fees associated with using Moni?

Currently, Moni is free to download and use. There are no subscription fees or in-app purchases required to access its core features.

Is user data secure on Moni?

Security and privacy are top priorities for Moni. The app uses encryption technology to protect user data and does not share personal information with third parties.

Can users customize categories in Moni?

Yes, users can customize and create their own spending categories in Moni to better fit their individual budgeting needs.

Does Moni offer customer support services?

Yes, Moni provides customer support through email or in-app chat for any questions, issues, or feedback that users may have while using the app.

Boris Weber

I am an editor at UpdateStar. I started as a support engineer, and am now specialized in writing about general software topics from a usability and performance angle among others. I telecommute from UpdateStar’s Berlin office, when I am not working remote as a digital nomad for UpdateStar. When I'm not analyzing the latest software updates, you can find me exploring new cities, immersing myself in local cultures, and discovering innovative tech trends across the globe.

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