KongaPay vs PremiumTrust Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Instant money transfers
- Bill and subscription payments
- Savings with interest
- Loyalty rewards on balance
- Discounts on Konga.com
- Business tools for vendors
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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.
PremiumTrust Mobile
Manage personal and business finances with features like instant account opening, bill payments, and automated investments. Enjoy multilingual transaction support and enhanced security options for a convenient banking experience.
- Instant account opening
- Bills payment
- Airtime and data top-up
- Intra and interbank transfers
- Automated investment options
- Multilingual transaction support
- Enhanced security modes
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The PremiumTrust Bank Mobile app has exciting features just right for you. The app has a distinctive language convenience feature, which enables customers to carry out their transactions in three major Nigerian languages (Yoruba, Hausa, and Igbo). You can carry out your personal and business transactions via the app, which include instant account opening, bills payment, airtime and data top-up, intra and interbank transfers, automated investment options, access to online transaction history, account statements, get monthly movie tickets at discounted prices and lots more. The app comes with special security features such as panic, mask, and sleep modes to keep you secured all year round. Additionally, there is a light and dark mode feature for your viewing experience.
Screenshots
Verdict
The clearest difference is rating: KongaPay at 4.4 against PremiumTrust Mobile's 3.4. KongaPay also leads on review sentiment (52% vs 13%) and update cadence (fortnightly vs every 4 months). PremiumTrust Mobile's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
KongaPay holds the better App Store score, 4.4 against 3.4. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 28, 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 13% of PremiumTrust Mobile's.
KongaPay ships an update fortnightly, PremiumTrust Mobile every 4 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | KongaPay | PremiumTrust Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (149 ratings) — better | 3.4 (28 ratings) |
| Positive reviews | 52.0% of reviews — better | 12.5% of reviews |
| Number of ratings | 149 — better | 28 |
| Update frequency | Fortnightly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 — better | 16 |
| Further details — not scored | ||
| Size | 103 MB | 184 MB |
| Age rating | 4+ | 4+ |
| Developer | Konga Online Shopping Limited | PremiumTrust Bank Limited |
Customer experience
KongaPay
PremiumTrust Mobile
In-app purchases
KongaPay
No in-app purchases
PremiumTrust Mobile
No in-app purchases
Questions
Is KongaPay free?
Is PremiumTrust Mobile free?
Which has better reviews, KongaPay or PremiumTrust Mobile?
Do KongaPay or PremiumTrust Mobile have ads?
Which is updated more often, KongaPay or PremiumTrust Mobile?
Other comparisons
