# WAAFI APP vs My

The clearest difference is review sentiment: My at 90% against WAAFI APP's 33%. My also leads on rating (4.6 vs 4.0) and iOS requirement (13.0 vs 15.0). WAAFI APP's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, ratings volume, in-app purchases and device support there is nothing between them.

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

My holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 930 and 1.3K respectively. Written reviews point the same way: 33% of WAAFI APP's written reviews are positive against 90% of My's.

WAAFI APP ships an update every 2 weeks, My monthly. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | WAAFI APP | My |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (930 ratings)](https://appshunter.io/ios/app/waafi-app/id1164281864/reviews) | **[4.6 (1.3K ratings)](https://appshunter.io/ios/app/my-oneapp/id1496784664/reviews)** |
| Number of ratings | 930 | **1.3K** |
| Positive reviews | 33.1% of reviews | **89.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 485 MB | 239 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Salaam African Bank](https://appshunter.io/developer/1164281863) | [Safaricom Limited](https://appshunter.io/developer/1089092649) |

## What reviewers say

### WAAFI APP

[App page](https://appshunter.io/ios/app/waafi-app/id1164281864)

This app integrates mobile money services, communication tools, and booking functionalities into a single platform. Users can send and receive money, make affordable calls, and book travel and accommodations with special discounts.

**Highlights:** Send and receive money instantly, Cash-in/Cash-out via agents and ATMs, Affordable international calls, Book flights and hotels, Access special partner discounts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient money management
- 💡 Useful for calling home
- 🌟 Great app overall

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🕰️ Slow performance
- 💰 Expensive service fees
- 🔄 Forced updates disrupt usage

**Reported bugs**

- Login and OTP issues
- Inconsistent app behavior
- Balance and transaction tracking problems
- Incompatibility with iOS devices

**Requested features**

- Improved customer support
- Compatibility with older devices
- Reduce mandatory update frequency
- Add more banking/financial features


### My

[App page](https://appshunter.io/ios/app/my-oneapp/id1496784664)

Manage your mobile money transactions with ease. View your balance, send money, pay bills, and buy goods and services quickly. Secure login with biometrics and convenient access to frequent contacts and payment options.

**Highlights:** View M-PESA balance, Biometric login, Send money via QR, contacts, or favorites, Pay bills easily, Buy goods and services, Withdraw cash, Buy airtime

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient and easy to use
- 🚀 Reliable and efficient transactions
- 🚀 Accessible from anywhere with internet
- 🚀 Seamless integration with contacts and payment methods
- 🚀 Helpful for managing finances while abroad

**What reviewers complain about**

- 🐛 Occasional app crashes or freezes
- 🐛 Delayed transaction history updates
- 🐛 Inability to view full transaction history
- 🐛 Difficulty accessing the app while roaming or using WiFi
- 🐛 Inconsistent performance across devices

**Reported bugs**

- Incomplete or missing transaction details
- Issues with reversing or recovering sent payments
- Compatibility problems on certain devices or OS versions

**Requested features**

- Allow customization of transaction categories
- Improve transaction history and statement viewing
- Provide offline access or data-free usage
- Integrate with other financial apps and services


## Frequently asked questions

### Is WAAFI APP free?

WAAFI APP is free to download, with no in-app purchases.

### Is My free?

My is free to download, with no in-app purchases.

### Which has better reviews, WAAFI APP or My?

My is rated higher. WAAFI APP averages 4.0 out of 5 from 930 ratings, while My averages 4.6 from 1.3K ratings.

### Do WAAFI APP or My have ads?

My shows ads; WAAFI APP does not.

### Which is updated more often, WAAFI APP or My?

WAAFI APP ships an update every 2 weeks, and My monthly. Most recently, WAAFI APP was updated on October 29, 2026 and My on October 30, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*