Tool profile
Mono: cost, fit and limits
Mono is a financial data API made by Mono Technologies Nigeria Limited that gives developers account, transaction, identity and income data, with plans priced in Nigerian naira and add-ons billed per call. It serves developers building in Nigeria.
What to know first
Mono prices Financial Data in Nigerian naira. A 30-day free trial is capped at 5 unique accounts a month, Basic costs NGN 50,000 per month and is capped at 100 unique accounts, and Regular and Enterprise tiers go through sales. Add-ons such as Real-time Sync, Telco Data and CAC Lookup bill per call. ISO/IEC badges appear in the footer. Annual billing offers 5% off on bands.
Mono at a glance
| Maker | Mono Technologies Nigeria Limited, Nigeria |
|---|---|
| Free plan | Free trial only |
| Entry price | 30-day free trial (5 unique accounts monthly); Basic NGN 50,000 per month |
| API access | Yes |
| Category | Best AI Open Banking APIs in 2026, rank 9 of 13 |
| Website | mono.co |
Who Mono is best for
Nigerian fintech startups
Naira pricing and a 30-day trial let a local team test with known costs rather than converting from dollar rates.
Teams that need income and identity data
Identity, Income, Assets and Earnings endpoints sit beside account and transaction data. Real products can combine these endpoints, for example an income check beside an identity match, in one integration.
Platforms that resell the API
A Partner's API and white label option is named, for firms that want to offer data access under their own brand.
Mono plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Free trial | Free, 30 days | Capped at 5 unique accounts monthly. A short test window for developers who want to explore the endpoints before paying. |
| Basic | NGN 50,000 per month | For small developer teams; capped at 100 unique accounts monthly. Priced in Nigerian naira and suited to early stage products with a small number of linked accounts. |
| Regular and Enterprise | Contact sales | 5 to 100 monthly account connections shown; prices not shown. These tiers cover higher volumes and are priced through sales, with no amounts on the pricing page. |
Checked November 2026.
What Mono does
- Data endpoints
- Account Information, Transactions, Identity, Income, Assets and Earnings endpoints are named on the pricing page. These cover the data types a lender, budgeting app or onboarding flow would typically need from a bank account.
- Real-time Sync
- An add-on billed at NGN 100 per call. It suits products that need a fresh balance at a specific moment. Mono lists no AI feature for it on the pages read, so it is a data refresh option, not an insight.
- Widget customization
- Branding the connection widget costs a NGN 50,000 one-time fee. It is a one-time cost, not a monthly fee, so it matters mostly at launch.
- Partner's API and white label
- A white label option is named for companies that resell data access, with no pricing shown. The pages read give no price for it, so ask for a written quote, including setup and support terms.
- Telco Data and CAC Lookup
- Add-ons priced per call extend the product beyond bank data to telecom data and company registry lookups. Billing is per call, so cost follows usage and should be modeled against expected lookups.
How Mono handles your data
The pricing and security pages show ISO/IEC 27001, 27002 and 27003 badges in the footer. SOC 2 and PCI DSS are not stated. The Legal page is referenced for retention, but no period is stated, and the hosting region and any policy on training models with customer data were not stated on the pages we read, so the vendor's policy was not checked for these points. Read the Legal page and ask for the certificates before you connect users.
Where Mono falls short in practice
- Low account caps. The trial covers 5 unique accounts and Basic 100 per month, so growth needs a sales conversation quickly. A product that grows past the cap must move to a sales led plan, which can slow a launch if the quote takes time.
- Naira pricing. Plans are priced in Nigerian naira, which adds currency exposure for teams that budget in dollars or euros. Teams that bill in other currencies should model exchange rate swings when they compare Mono with dollar priced vendors.
- Overage per call. Overage and add-ons are billed per call, so a heavy read pattern can raise the bill above the plan price. Teams should model how many reads a typical user triggers per month before they trust the plan price.
Alternatives to Mono
Mono: common questions
How much does Mono cost?
Mono's Financial Data trial is free for 30 days and capped at 5 unique accounts monthly. Basic costs NGN 50,000 per month and is capped at 100 unique accounts. Regular and Enterprise tiers go through sales, with prices not shown. Add-ons bill per call.
Does Mono have a free trial?
Yes, a 30-day free trial capped at 5 unique accounts monthly. After that, the Basic plan at NGN 50,000 per month suits small developer teams, up to 100 unique accounts. Annual billing offers 5% off on bands, according to the pricing page.
What data does Mono provide?
The pricing page names Account Information, Transactions, Identity, Income, Assets and Earnings endpoints. Add-ons include Real-time Sync at NGN 100 per call, Telco Data and CAC Lookup. Check the API documentation for field-level details before building. Review the API documentation for field level details.
Does Mono use AI?
No AI feature is named on the pages we read. Mono presents financial data endpoints and add-ons. If AI insights matter, compare vendors that describe them, such as Belvo or Moneyhub, and request a demonstration on your own data. Treat any claim about AI as unverified until the vendor shows it.
Is Mono ISO certified?
The footer shows ISO/IEC 27001, 27002 and 27003 badges. SOC 2 and PCI DSS are not stated on the pages we read. Request the certificates and scope statements to confirm which services they cover. Ask whether each certificate covers the production service you will use.