Comparison

KongaPay vs Maxim

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

Maxim

Manage your credit card transactions, earn rewards, and control your finances with this app designed for Nigerians. It offers a convenient way to handle your financial management needs.

Highlights
  • Manage credit card transactions
  • Earn rewards
  • Control finances
  • Designed for Africans (Nigerians)
  • Convenient financial management
Features
Read full description

Live ambitiously. Maxim is a credit card and money app for Africans everywhere. Whether you are building at home or starting again somewhere new, it works the same way. Credit that doesn't ask where you've been Most credit systems assume a history you may not have where you now live. Maxim doesn't. Get a card, build your record from day one, and manage your limit and repayments on terms that suit you. One account, the currencies your life runs on Hold and spend across currencies without moving money between apps. See what lands before you send anything. Transfers you don't have to think about Fast, at rates you can see up front. No margin buried in the exchange rate. The everyday things, handled Airtime, data, electricity and more, in seconds. Maxim is built by people who understand both sides of the journey.

Screenshots

KongaPay4 screens
Maxim4 screens

Verdict

The call

The clearest difference is review sentiment: Maxim at 100% against KongaPay's 52%. Maxim also leads on rating (5.0 vs 4.4) and monetization model (free vs free with in-app purchases). KongaPay's advantage is ratings volume (149 vs 4). 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

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

Maxim holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 4, 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 100% of Maxim's.

UpkeepUpdate frequency

KongaPay ships an update fortnightly, Maxim weekly. The most recent releases landed on October 18, 2026 and October 10, 2026 respectively.

Scorecard5 real differences · 5 level
KongaPay versus Maxim: the parameters behind the verdict, then further details
ParameterKongaPayMaxim
PriceFreeFree
Rating4.4 (149 ratings)5.0 (4 ratings) — better
Positive reviews52.0% of reviews100.0% of reviews — better
Number of ratings149 — better4
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size103 MB83 MB
Age rating4+17+
DeveloperKonga Online Shopping LimitedMonsterlabs

Customer experience

KongaPay

All ratings149 ratings
Positive83.9%
Neutral3.4%
Negative12.8%
Written reviews25 reviews
Positive52.0%
Neutral0.0%
Negative48.0%

Maxim

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

KongaPay

No in-app purchases

None

Maxim

No in-app purchases

Questions

Is KongaPay free?
KongaPay is free to download, with no in-app purchases.
Is Maxim free?
Maxim is free to download, with no in-app purchases.
Which has better reviews, KongaPay or Maxim?
Maxim is rated higher. KongaPay averages 4.4 out of 5 from 149 ratings, while Maxim averages 5.0 from 4 ratings.
Do KongaPay or Maxim have ads?
Neither KongaPay nor Maxim shows ads.
Which is updated more often, KongaPay or Maxim?
KongaPay ships an update fortnightly, and Maxim weekly. Most recently, KongaPay was updated on October 18, 2026 and Maxim on October 10, 2026.

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