Best MTN MoMo alternatives: apps like MTN MoMo

10+ similar apps compared and reviewed

4.0 avg rating

10 free apps

Updated November 2026

MTN

MTN MoMo is great, but it's not the only option. Explore 10+ similar apps for iPhone and iPad, each reviewed and rated by real users. Find free alternatives, premium upgrades, and hidden gems.

Top Alternatives to MTN MoMo

#1

MoMo App by MTN FINTECH(PTY) LTD

Your Ultimate Financial App

Editor's Choice

3.5😞(1.4K ratings)

Free

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Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

What We Love

🚀 Fast transactions
💡 Innovative features
👍 User-friendly interface

Room to Improve

🐛 Bugs and glitches
🔒 Security issues
🔋 Performance problems
👎 Poor user experience

#2

MoMo PSB NG by MTN FINTECH(PTY) LTD

Save, send & spend with MoMo

Strong Contender

2.7(153 ratings)

FreeAds

#70in Finance

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Manage your finances with this mobile money app, offering services for sending, spending, saving, and bill payments. It also provides virtual and physical debit cards for online and in-store transactions. Currently available only to customers in Nigeria.

#3

Moniepoint Personal Banking by Moniepoint

Savings account | Send money

Worth Considering

4.6😞(33K ratings)

Free

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This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

What We Love

🚀 Fast transactions
👍 Smooth onboarding
🔒 Secure banking
💡 Innovative features

Room to Improve

🐛 Login issues
🐛 Transfer failures
🔒 Account restrictions
💸 Unexpected charges

More apps like MTN MoMo

Moniepoint Business Banking

Moniepoint Business Banking

Moniepoint Business Banking

Mobile bank account|POS|Loans

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests

free with in-app purchases

Compare with MTN MoMo

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

Manage your finances with a digital bank that offers free transfers, savings tools, and investment opportunities. Open an account in minutes, pay bills, and enjoy secure payment options. Earn rewards and access premium features for enhanced financial management.

Free money transfersAutomatic savingsUS stock investments

Compare with MTN MoMo

GhanaPay Customer

GhanaPay Customer

GhanaPay Customer

Your Money, Your Way.

A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.

Send moneyPay billsBuy airtime

Compare with MTN MoMo

FairMoney: Save, Spend, Credit

FairMoney: Save, Spend, Credit

FairMoney: Save, Spend, Credit

Instant Loan App For Fast Cash

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest

Compare with MTN MoMo

Accrue: Send. Spend. Sell.

Accrue: Send. Spend. Sell.

Accrue: Send. Spend. Sell.

The cross-border payment app

Easily send and receive money across Africa and the US. Save in USD to earn interest, shop online with virtual cards, and invest with minimal starting capital. Manage your finances for personal and business needs all in one place.

Send money across Africa and USSave in USD and earn daily interestShop online with virtual dollar cards

Compare with MTN MoMo

Paga - Send, Pay, and Bank

Paga - Send, Pay, and Bank

Paga - Send, Pay, and Bank

Borderless living

Manage both US Dollar and Nigerian Naira accounts from a single app. Send, pay, and receive money across borders seamlessly, with physical and virtual Visa debit cards for global spending. Connect to other financial apps and enjoy secure, borderless transactions.

Dual currency account management (USD & NGN)International money transfersPhysical and virtual Visa debit cards

Compare with MTN MoMo

Yangaplug: Travel, Card, Bills

Yangaplug: Travel, Card, Bills

Yangaplug: Travel, Card, Bills

Virtual Card, Flights & Data

Manage finances, book travel, and pay bills all in one place. Get a virtual USD card for online purchases, book flights and hotels, buy eSIMs, and top up data. Pay bills instantly and earn rewards.

Virtual USD MastercardFlight and hotel bookingsTravel eSIMs and data bundles

Compare with MTN MoMo