Comparison

KongaPay vs Payvice Avantus

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

KongaPay

This mobile wallet simplifies payments, transfers, and savings. It offers instant money transfers, bill payments, and tools for businesses. Earn rewards on savings and enjoy discounts on purchases.

Highlights
  • Instant money transfers
  • Bill and subscription payments
  • Savings with interest
  • Loyalty rewards on balance
  • Discounts on Konga.com
  • Business tools for vendors
Features
Read full description

KongaPay is Nigeria’s all-in-one mobile wallet designed to make payments simple, secure, and seamless from instant transfers to bill payments, savings, and business tools. KongaPay gives you total control of your money. What You Can Do With KongaPay: - Send & Receive Money Instantly: Transfer funds conveniently with high success rates and no failed transactions. - Pay Bills, Subscriptions & More: Settle airtime, data, electricity, and cable bills all in one tap. - Save with K-Save: Fix your income and grow your money effortlessly. Earning up to 24% per annum. - Loyalty Rewards: Earn 6% per annum on your wallet balance with no minimum balance. - Shop & Pay on Konga.com with Discounts: Get frequent discounts when you pay with KongaPay on Konga.com. It's smart and secure shopping. - Safe, Simple & Trusted: KongaPay is licensed by the Central Bank of Nigeria (CBN) and insured by - Go Pro Feature: Unlock tools made for small businesses, vendors, and freelancers: Request a POS terminal, create payment links to get paid via card, transfer, or USSD, track your inventory, and increase your daily transfer limits up to ₦25 million. Why Users Love KongaPay: . Fast and reliable transfers . Secure POS access for businesses . Easy-to-use interface for savings and spending . 24/7 customer support . Built for both personal and business needs Download KongaPay today and take complete control of your personal and business finances in one app.

About

Payvice Avantus

Manage personal and business finances with this all-in-one mobile banking solution. Perform seamless transfers, smart savings, secure payments, and access powerful business tools. It offers bill payments, fund transfers, and business account management.

Highlights
  • Seamless transfers
  • Smart savings
  • Secure payments
  • Business tools
  • Bill payments
  • Fund transfers
  • Business account management
Features
Read full description

Payvice in partnership with Avantus Microfinance Bank, is your all-in-one mobile banking solution designed to simplify your finances, whether personal or business. From seamless transfers and smart savings to secure payments and powerful business tools, Payvice puts you in total control of your money, anytime, anywhere. Payvice is an easy-to-use banking app for bill payments, transfers, and withdrawals. With over 30 bills listed, an easy and fast withdrawal and funds transfer process, and new amazing features, you are guaranteed a successful personal and business banking experience. More about Payvice Banking •⁠ ⁠Manage your existing Payvice business account and or add more outlets to your business. •⁠ ⁠New businesses can join Payvice in a few easy steps. •⁠ ⁠Easy Withdrawal using cards, NQR and USSD. •⁠ ⁠Fund Transfer to all banks and financial institutions listed on NIBSS Instant Payment. •⁠ ⁠Pay all available bills for your customers and earn commission as you transact. •⁠ ⁠Keep track of your business outlets' performance. •⁠ ⁠Upgrade your accounts to do even more without limits. •⁠ ⁠Buy airtime, Data and earn. •⁠ ⁠Live chat with customer support. •⁠ ⁠Earn when you refer a friend to join Payvice banking services. •⁠ ⁠No more disconnections on your cable TV. You can recharge at ease. What's NEW •⁠ ⁠Now you can instantly fund your outlets by simply doing a fund transfer from your bank app to the virtual accounts assigned to your account. •⁠ ⁠Perform more transactions as a merchant. •⁠ ⁠Monitor your daily, weekly and monthly performance. •⁠ ⁠Create new outlets and import your existing outlets, which means you can manage all your stores with just one account. •⁠ ⁠Bank account opening made easy. •⁠ ⁠Enjoy a special experience with our dark mode feature. •⁠ ⁠Secure your app with the unique pattern lock. Your security is our top priority. We are a CBN licensed financial Technology Contact us We are always happy to hear your feedback, questions or concerns.

Screenshots

KongaPay4 screens
Payvice Avantus4 screens

Verdict

The call

The clearest difference is review sentiment: KongaPay at 52% against Payvice Avantus's 0%. KongaPay also leads on rating (4.4 vs 2.9) and ratings volume (149 vs 8). Payvice Avantus's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

KongaPay holds the better App Store score, 4.4 against 2.9. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 52% of KongaPay's written reviews are positive against 0% of Payvice Avantus's.

UpkeepUpdate frequency

KongaPay ships an update fortnightly, Payvice Avantus every 3 weeks. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

Scorecard4 real differences · 6 level
KongaPay versus Payvice Avantus: the parameters behind the verdict, then further details
ParameterKongaPayPayvice Avantus
PriceFreeFree
Rating4.4 (149 ratings) — better2.9 (8 ratings)
Positive reviews52.0% of reviews — better0.0% of reviews
Number of ratings149 — better8
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.5 — better
Further details — not scored
Size103 MB89 MB
Age rating4+4+
DeveloperKonga Online Shopping LimitedItex Integration Services

Customer experience

KongaPay

All ratings149 ratings
Positive83.2%
Neutral3.4%
Negative13.4%
Written reviews25 reviews
Positive52.0%
Neutral0.0%
Negative48.0%

Payvice Avantus

All ratings8 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

KongaPay

No in-app purchases

None

Payvice Avantus

No in-app purchases

Questions

Is KongaPay free?
KongaPay is free to download, with no in-app purchases.
Is Payvice Avantus free?
Payvice Avantus is free to download, with no in-app purchases.
Which has better reviews, KongaPay or Payvice Avantus?
KongaPay is rated higher. KongaPay averages 4.4 out of 5 from 149 ratings, while Payvice Avantus averages 2.9 from 8 ratings.
Do KongaPay or Payvice Avantus have ads?
Neither KongaPay nor Payvice Avantus shows ads.
Which is updated more often, KongaPay or Payvice Avantus?
KongaPay ships an update fortnightly, and Payvice Avantus every 3 weeks. Most recently, KongaPay was updated on October 24, 2026 and Payvice Avantus on October 27, 2026.

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