Past Its Closing Date, MonieWorld's Site Has Not Changed

MonieWorld, the UK-to-Nigeria money transfer service run by Moniepoint, was reported to close completely on 15 September. Six days later, on 21 September, its website was still live and still inviting new customers to get started.

HaiPay first checked the site on 4 September. The home page and the terms and conditions on 21 September were identical to that check, word for word.

What changed, and what did not

On 4 September HaiPay fetched seven public pages, five on monieworld.com and two on moniepoint.com, and searched them for any notice of closure. It found none. The same seven URLs were fetched again on 21 September.

All seven still returned a live page. No closure notice appeared on any of them. The terms and conditions still produced matches for words such as "cease" and "no longer," and they were the same ordinary contract clauses as before: what happens if a customer leaves the UK, how the referral scheme can end, how an account closes if a customer rejects new terms.

For the two pages HaiPay had archived in full, it compared the text directly. The home page ran to 1,808 words on both dates and the terms to 15,125, and neither had a single line added, removed or altered. Their checksums matched.

The home page still says "Easily send funds to Nigeria from the UK in seconds and at great rates." It still offers "Zero transfer fees | Usually arrives in seconds," a "Get started" button, a QR code to download the app, and a careers link headed "We're often hiring."

The app and the licence

The MonieWorld app was still listed on the UK App Store on 21 September, published by Moniepoint Inc. Its most recent version is dated 19 August 2026, four days after the date trade reports gave for the last transactions.

The regulated entity behind the service has not changed status either. The FCA Register, which HaiPay could not read in its first check, showed Moniepoint UK Ltd, firm reference 900098, as an authorised electronic money institution, with the complaints contact given as help@monieworld.com.

That authorisation is older than the product. The register dates it to 13 March 2018. Companies House shows the company, number 07930355, was incorporated in January 2012 under the name Bancom Europe Ltd, and carried that name until 12 September 2025. MonieWorld launched in April 2025, according to trade reporting, so the licence was already seven years old when the brand arrived, and the brand arrived before the company was renamed to match it.

Why this is worth a second look

None of this means customers were left uninformed. Firms winding down a payment service normally tell account holders directly, by email or inside the app, and a check of public web pages cannot see either channel. The closure may also have happened exactly as planned behind the login, with only the marketing site left untouched.

But the gap between announcement and product is the part an outsider can actually measure, and here it has now been measured twice. On 4 September the site was selling a service reported to close in eleven days. On 21 September it was selling the same service six days after that date, in the same words.

For anyone who lands on the page now, there is no signal on it that anything has changed. For a regulated payment brand, that is the whole of the public record.

What the record will show next

The next document with numbers in it is due within days. Companies House lists Moniepoint UK Ltd's accounts for the year to 31 December 2025 as due by 30 September 2026. That year covers MonieWorld's launch and the rest of 2025, and the filing will be public.

The FCA status matters for a different reason. An electronic money institution that stops issuing e-money can keep its authorisation, cancel it, or transfer the business. Which of those happens will decide whether this is the end of a product or Moniepoint's exit from the UK market, and the register will show it.

What HaiPay could not establish

Whether MonieWorld has in fact stopped operating. HaiPay did not create an account, attempt a transfer or contact Moniepoint, so it cannot say what an existing customer sees after logging in.

Whether the 15 September date moved. HaiPay found no reporting of a change, but also found no statement from Moniepoint confirming the original date; every date in this piece other than HaiPay's own checks comes from trade reporting of 25 and 26 August.

What the firm's two registered trading names are. The FCA Register lists two, behind a view HaiPay did not capture.

What to watch

The home page, which is the cheapest possible signal. A closure notice, a redirect or a take-down would each say more than the silence so far.

The accounts due on 30 September.

And the FCA Register entry for firm 900098, where any cancellation or change of permission would appear.

This piece reads public web pages and public registers on two dates. It is not a finding that any customer was harmed or misled.