Comparison

OVO vs moolahPAY

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

Head to head
About

OVO

This all-in-one app simplifies payments and savings for everyday needs and online shopping. Enjoy secure, fast transactions with numerous rewards, including cashback and discounts. Upgrade to access exclusive deals and bonus points.

Highlights
  • Secure and fast mobile payments
  • Cashback on transactions
  • Exclusive discounts and deals
  • Bill payment options
  • Savings account features
  • Welcome treats for new users
Read full description

Indonesia’s all-in-one app: Pay and Save with ease From the local market to your favorite online stores, from daily essentials to special treats, OVO fits for everyone. Whether you’re paying, shopping, or saving, OVO makes it easy and rewarding. Say goodbye to carrying cash. OVO let you handle your daily needs from your phone, securely, quickly, and with plenty of perks. Wanna see what’s in it for you? Welcome treats for new users > First top-up = zero admin fees. > Cashback up to 20.000 OVO Points (min. total transaction Rp30.000) Upgrade to OVO Nabung and enjoy more > Claim 10.000 OVO Points bonus (T&C applied). > Up to 99% off at Hokben, D’Crepes, Solaria, Alfagift, MyTelkomsel, and more. > GrabFood 75% discount up to Rp50.000. Deals that follow you everywhere > Online shopping? Cashback up to Rp1.000.000 is ready. > Cashback up to 500.000 for groceries, foods, gas station, and more. Pay your bills with Harga Jongkok > PLN token Rp10.000 for only Rp8.888. > Cashback up to 3% (max 50.000 OVO Points) for bill payments (min. Rp25.000). > Pay SBN investments and get 1% cashback (max 100.000 OVO Points). Download OVO now and unlock a simpler way to pay, save, and enjoy life, plus a bunch of deals you don’t want to miss. Instagram.com/ovo_id www.ovo.id

About

moolahPAY

This payment super app allows users to exchange currencies, send money internationally at competitive rates, and make local payments. It offers rewards for transactions and secure top-up options.

Highlights
  • International money remittance
  • Multi-currency exchange
  • Local PayNow payments
  • Cashless QR code payments
  • Transaction rewards (mCoins)
  • Secure e-wallet top-ups
Features
Read full description

We've Re-branded to moolahPAY! • After 2.5 years of winning the hearts of Singapore consumers, we've decided to name your beloved payment app to "moolahPAY". Read more about our name change here: https://www.moolahgo.com/moolahgo-rebrands-its-popular-consumer-e-wallet-app-to-moolahpay/ Latest Promotion • All New to moolahPAY users will get a Special Privilege of much higher exchange rates and fee waiver for your 1st cross-border transfer transaction! moolahPAY e-Wallet • moolahPAY is a Singapore payment super app that gives you access to extremely attractive currency exchange rates, remit money to over 20 countries at good rates, purchase your multi-currencies for travel or investment needs, make PayNow SGQR payments and many more. • Best thing is, 1st Timer Users get to enjoy special privileges such as Fees Waiver and Exchange Rates even higher than market rate! What can you do with moolahPAY? Top-up • Conveniently top up your eWallet securely via multiple methods including international Credit/Debit cards, PayNow, QR-code scanning and Bank transfer • Top up for immediate use or auto-debited for future payments Send Money (Cross-border Remittances) • Send money at highly competitive exchange rates, seamlessly and on real-time • Send from Singapore to over 20+ countries • SG's 1st e-Wallet capable of sending money to Indonesia wallets at just 50 Cents per transaction Exchange Currencies • Exchange your currencies at the same competitive rates in your multi-currency eWallet Pay Now (Peer-to-Peer Payments) • Send money locally in SG to your friends free of charge • Pay your friends using Singapore's PayNow network • Handy and more rewarding alternative to your bank app Buy Now (Cashless Payments) • Pay for your purchases without using cash • Scan SGQR PayNow QR Codes Earn Rewards • Get rewarded for your transactions (including top-ups!) • Accumulate our reward points named mCoins® when you transact • Redeem for vouchers at popular retailers About Moolahgo We are an ambitious and rapidly growing digital multi-currency payments Fintech with the mission to challenge the status quo and make financial services fair and accessible to everyone (businesses and individuals). Why Moolahgo? • Licensed and regulated by The Monetary Authority of Singapore as a Major Payments Institution (License No.: PS20200262) • Your money is strictly separated from our own funds so they are secure • Well capitalized - multi-million dollars in paid-up capital. Plus, security deposit held with MAS • Secure – PCI DSS security standards for cards processing, Biometric sign-in, PIN enforcement before wallet deduction Ready to gain control of your finances and get rewarded for it? Download moolahPAY now, sign up for your free account, and start saving with us! --------- Send from: Singapore (SGD) To: Australia (AUD), Bangladesh (BDT), Canada (CAD), China (CNY, CNH), Europe (EUR), Great Britain (GBP), Hong Kong (HKD), Indonesia (IDR), India (INR), Japan (JPY), Kenya (KES), Malaysia (MYR), Nepal (NPR), New Zealand (NZD), Philippines (PHP), South Korea (KRW), Sri Lanka (LKR), Switzerland (CHF), Taiwan (TWD), Thailand (THB), United States (USD), Vietnam (VND), and more... --------- Term of use at https://www.moolahgo.com/index.php/view/tos Privacy policy at https://www.moolahgo.com/index.php/view/privacy Find out more about us at https://www.moolahgo.com/ Follow us on LinkedIn (https://sg.linkedin.com/company/moolahgo), Facebook (https://www.facebook.com/MoolahGoFintech/), and Instagram (https://www.instagram.com/moolahgo/)

Screenshots

OVO4 screens
moolahPAY4 screens

Verdict

The call

OVO and moolahPAY both sit at 3.9 stars, but that hides the real split: 100% of moolahPAY's written reviews are positive against 31% of OVO's. moolahPAY also leads on monetization model (ad-supported vs free with in-app purchases). OVO's advantage is ratings volume (329 vs 1) and update cadence (fortnightly vs every 5 weeks). On price, rating, 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

On the App Store both sit at effectively the same score — 3.9 for OVO against 4.0 for moolahPAY. That said, the two scores are not equally well evidenced: OVO has 329 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 31% of OVO's written reviews are positive against 100% of moolahPAY's.

UpkeepUpdate frequency

OVO ships an update fortnightly, moolahPAY every 5 weeks. The most recent releases landed on October 22, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
OVO versus moolahPAY: the parameters behind the verdict, then further details
ParameterOVOmoolahPAY
PriceFreeFree
Rating3.9 (329 ratings)4.0 (1 ratings) — better
Positive reviews31.3% of reviews100.0% of reviews — better
Number of ratings329 — better1
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size101 MB114 MB
Age rating17+4+
DeveloperVisionet Internasional, PtMoolahGo Pte Ltd

Customer experience

OVO

All ratings329 ratings
Positive71.4%
Neutral2.1%
Negative26.4%
Written reviews227 reviews
Positive31.3%
Neutral6.6%
Negative62.1%

moolahPAY

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews6 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

OVO

Reported bugs

4 issues
  • Inability to change language to English
  • Stuck transactions not resolved
  • Inconsistent app behavior
  • Delayed or missing top-up credits

Requested features

4 requests
  • Add English language option
  • Improve account closure process
  • Enhance security and privacy measures
  • Streamline transaction processing

moolahPAY

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OVO

No in-app purchases

None

moolahPAY

No in-app purchases

Questions

Is OVO free?
OVO is free to download, with no in-app purchases.
Is moolahPAY free?
moolahPAY is free to download, with no in-app purchases.
Which has better reviews, OVO or moolahPAY?
moolahPAY is rated higher. OVO averages 3.9 out of 5 from 329 ratings, while moolahPAY averages 4.0 from 1 ratings.
Do OVO or moolahPAY have ads?
Neither OVO nor moolahPAY shows ads.
Which is updated more often, OVO or moolahPAY?
OVO ships an update fortnightly, and moolahPAY every 5 weeks. Most recently, OVO was updated on October 22, 2026 and moolahPAY on October 30, 2026.

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