Best MTN MoMo alternatives: apps like MTN MoMo

10+ similar apps compared and reviewed

4.0 avg rating

10 free apps

Updated October 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😞(1.3K 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

2.6(127 ratings)

FreeAds

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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😞(32K 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

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

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings

Compare with 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

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 daily interest, shop online with virtual cards, and grow your money through simple investing. Manage all your cross-border financial needs from your phone.

Send money across Africa and to US bank accountsReceive payments in USDShop online with virtual dollar cards

free with in-app purchases

Compare with MTN MoMo

This app provides a secure online payment gateway for individuals and businesses to make and accept payments using various cards and mobile wallets. It offers a user-friendly interface for managing accounts, paying bills, and accessing banking services on the go.

Online payment gatewayAccount transfers (intra, inter, inter-bank)Bill and data payments

Compare with MTN MoMo

Paga - Send, Pay, and Bank

Paga - Send, Pay, and Bank

Paga - Send, Pay, and Bank

Borderless living

Manage US Dollar and Nigerian Naira accounts from one app. Send, pay, and receive money globally with competitive rates. Get physical and virtual Visa debit cards for seamless transactions.

Open and manage US and Nigerian bank accountsSend, pay, and receive across currenciesPhysical and virtual Visa debit cards

free with in-app purchases

Compare with MTN MoMo