Best Ray Money alternatives: apps like Ray Money

10+ similar apps compared and reviewed

4.2 avg rating
10 free apps
Updated November 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
4.5(2 ratings)
Free
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Easily collect and make payments from anywhere. Generate payment links or QR codes for customers to pay via Mobile Money, or create group funds for events and projects. Secure transactions are protected with bank-level security standards.

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
(13)
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
(148)
free
6
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
(21)
free
7
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 oversee your financial assets and make informed investment decisions.

Wealth managementCredit trackingPersonal budgeting
💰 Finance
(5)
free
8
2Togo
2Togo
2Togo
by Evesis Software (Pty) Ltd
Free
💰 Finance
(0)
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
(375)
free
10
TRESOR MONEY
TRESOR MONEY
TRESOR MONEY
Tresor Money
Free

Manage your TresorMoney account effortlessly with this mobile app. Perform transfers, make payments, check balances, and view transaction history, all from your device without needing to visit a physical location.

One-click transfersPayment of revenue typesBalance consultation
💰 Finance
(367)
free