Monifi - Mobile Banking 4+

Set goals & save money faster

MidFirst Bank

    • 4.0 • 238 Ratings
    • Free

iPhone Screenshots


Meet Monifi, a mobile bank built for your goals. Monifi lets you be in charge of your money; so you can save now and live better. A real bank for your real goals. No confusing bank jargon - transactions are enriched, categorized and easily searchable using Ask Monifi. Open a relationship today to experience the banking evolution, all with no monthly fee.

Monifi is specifically designed to make your banking, and life, easier. Monifi’s features were made with you in mind, giving you all of the tools to bank smarter.
Set custom savings goals and track your progress
Easy-to-understand transaction details with transaction enrichment and categorization
Link all of your bank accounts in one app
Ask Monifi for transaction insights
Spend and Save structure keeps you in control of your money
Monifi Orange Debit Card provides easy access to your money
Use with Apple Pay and Google Pay
FREE nationwide ATMs through the Allpoint Network
FDIC insured

Goals are a beautiful thing with Monifi. Save for specific goals, set savings routines, splurge on something special or just watch your account grow.
No monthly fee
Earn interest on your goals in the Monifi App
Set custom names, photos, dates and more for your savings goals
Only spend what you have available in your Spend Balance
Stay up to date on account activity with alerts and notifications
Unlimited access to money in your Save Balance

We created Monifi as a new brand of mobile banking — one that’s backed by the strength of a real bank with the technology of a start-up and gives you the tools you need to save faster and spend wiser.
Create balance preferences for your Spend and Save Accounts
Send and receive money with Zelle®
Mobile Check Deposit
Easily transfer money between Monifi accounts
Set up automatic Bill Pay from the app
Direct deposit into your Monifi account
FREE nationwide ATMs through the Allpoint Network

Monifi keeps your money and information secure with a robust security profile. With the backing of one of the nation’s largest privately held banks, your security is always a top priority.
Transaction alerts and/or notifications to stay informed on account activity
Lock and unlock your Orange Card from the app
Biometric authentication
FDIC insured — you can validate our FDIC insurance at — simply search for Monifi

All digital doesn’t mean all robots behind the scenes. Whether you need an answer ASAP or are just looking for general information, the Monifi team is happy to help with any and all questions. Our customer service representatives are available 7 days a week.

With everything you need to conduct your daily banking, Monifi can be your bank and a whole lot more. Download the app and open your Monifi relationship today!

Monifi is a division of MidFirst Bank. Member FDIC.

What’s New

Version 1.9.16

Performance and Security Enhancements. Various Bug Fixes.

Ratings and Reviews

4.0 out of 5
238 Ratings

238 Ratings

ty.carlson ,

Super neat features!

On the surface it’s pretty straightforward: simple checking/savings accounts! But the subtle features are what set this apart. Cool looking debit card, transaction details that I can actually understand, seeing activity from other accounts, and categories to track where my money is going. Can definitely see myself using this as my main banking app.

runkasnorkraka ,

Trash bank has my money trapped in their account with no way to transfer out

Originally rated this as two stars mostly for lack of features, a poor app experience, glitches, and overall “cheap” vibe. Now downgrading to one star because for weeks now external transfers have failed, trapping my money in Monifi.

External transfers simply won’t work - I missed paying my mortgage because of this. Customer service has been polite but nobody can find out what’s wrong. They’ve wasted two weeks trying to fix this without any success. Just a bunch of apologies. They then suggested I use Zelle to get money out. I don’t feel I should need to use Zelle to access my money plus they only allow $500 a day to be moved with Zelle for new accounts. But I tried this anyway because I’m desperate and unfortunately even now my Zelle access is blocked without any explanation. I had to call to even confirm that’s what happened. Horrible experience overall. Thankfully I didn’t deposit more than I did or I would be truly screwed because this garbage bank.

I recently opened an account with Ally and it’s night and day between the two. Ally has been amazing, try them out instead of this trash bank.

Developer Response ,

Thank you for the honest feedback. We’re always looking for ways to make the app even better.

TheManHimselfNumberOne ,

Great bank and app

I’ve been using Monifi to create savings goals and have recurring transfers enabled. It’s very simple to set up. The interest rate is also very good compared to brick and mortar bank’s savings accounts. The app is a little slow, but it’s very secure which I like.

App Privacy

The developer, MidFirst Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Search History
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Search History
  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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