Best apps like Ray Money

10+ similar apps compared and reviewed

4.2 avg rating
10 free apps
Updated August 2026

Whether you want more options like Ray Money or a completely different take on the same concept, our curated list of 10+ similar apps has you covered. Updated for 2026 with the latest ratings and comparisons.

Top Alternatives to Ray Money

nafolo#1

nafolo by Xearth

Editor's Choice
💰 Finance
5.0(2 ratings)
Free
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Manage your money effortlessly with a revolutionary finance platform. Perform secure online payments, send money instantly, and easily recharge balances. Save for your goals with a digital piggy bank and pay bills for utilities and communication services.

Nova-Send#2

Nova-Send by SANKOFA-LAB

Strong Contender
💰 Finance
5.0(1 ratings)
Free
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Send and receive money instantly and securely with this mobile payment app. It supports various mobile money accounts and offers low, transparent fees. Enjoy real-time transaction tracking and a user-friendly interface.

PeYa Pay#3

PeYa Pay by DJOGANA MONEY SERVICES S.A

Worth Considering
💰 Finance
2.0(1 ratings)
Free
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This app offers innovative payment and service solutions, integrating banking and payment methods with virtual and physical accounts. It aims to promote financial inclusion by enabling businesses to capture financial flows, especially from the informal sector, through prepaid accounts.

More apps like Ray Money

4
Send Chap
Send Chap
Send Chap
Transfert en toute sécurité !
Free

Send money securely across different mobile money networks in Côte d'Ivoire. This user-friendly app allows for fast, reliable, and hassle-free transactions to anyone, regardless of their mobile carrier.

Inter-network money transfersSupports WAVE, MOOV, MTN, ORANGESecure transactions
💰 Finance
(6)
free
5
Push CI
Push CI
Push CI
by Panelys SAS
Free

Manage your finances with an all-in-one account solution. Open an account easily, get a virtual card, and make fee-free transfers. Save for your goals with dedicated vaults and enjoy worldwide ATM withdrawals and online purchases.

Open account in clicksVirtual card with no monthly feesFee-free transfers
💰 Finance
(128)
free
6
WalliSend
WalliSend
WalliSend
Transferts inter-réseaux
Free

This application enables swift and secure money transfers across various digital wallets. It simplifies cross-network financial transactions for users.

Fast money transfersSecure transactionsCross-network compatibility
💰 Finance
(1)
free
7
Molo Molo Pay
Molo Molo Pay
Molo Molo Pay
Molo Molo Pay
Free

This app allows users to purchase items by saving up gradually over time. Reserve products, save progressively, and receive them once your savings goal is met. It offers a secure, interest-free way to buy goods without needing credit.

Reserve products and save graduallyPay in up to 365 installmentsCreate personalized savings goals
💰 Finance
(10)
free
8
SmartFin - App
SmartFin - App
SmartFin - App
by Colombe Djirebo
Free

Manage your wealth, credits, personal budgets, and investments with this innovative personal finance tool. It offers a simple and effective way to track your financial assets and liabilities.

Wealth managementCredit trackingPersonal budgeting
💰 Finance
(5)
ad-supported
9
Easytransfert - KAY BIC AFRICA
Easytransfert - KAY BIC AFRICA
Easytransfert - KAY BIC AFRICA
by KAY BIC AFRICA SARL
Free

Facilitates money transfers between various mobile money operators. Send funds from your mobile operator to others at significantly reduced fees. Aims to interconnect all existing payment systems for smoother transactions and increased financial inclusion.

Money transfers between operatorsReduced transfer feesSupports Orange, MTN, Moov, Wave, Tresor Money
💰 Finance
(336)
free
10
Money Fusion
Money Fusion
Money Fusion
by SC DIGIT@L LTD
Free

Simplify financial transactions across Africa with this innovative payment solution. It enables secure and fast sending and receiving of payments for businesses, entrepreneurs, and individuals. Integrate mobile payment options, create online stores, and generate payment links with ease.

Integrate mobile payments (Orange Money, MTN Money, Wave, etc.)Create an online storeGenerate personalized payment links
💰 Finance
(17)
free