You can link external banks to your Lemonade Naira account to move money between them.  There are no fees when making a deposit or withdrawal to or from another account and you can use the steps below to get started.


  1. Log into the Lemonade app and tap the "Add funds" icon. 
  2. Enter the amount you want to fund your Naira account with. 
  3. On the "Fund Account" page, click "get started" to link your Nigerian bank account to Lemonade. 
  4. Tap Continue and then choose your bank from the list or search for your financial institution from the top of the screen. 
  5. You can link an external account instantly: Using your bank username and password and our secure partner, Mono, we can verify your ownership of the account and link it for use right away.


Please note: The account you link must be in your name.


As a note, if you experience an error message when signing into your account through Mono you should reach out to our support team via the app. 


We recommend linking private accounts but you can link other accounts types as well. There may be limits imposed by your bank, for example, if you link a savings account there are limits to the number of transfers and amount you can do per day which are regulated by the bank.