Comparison

GTWorld vs MTN MoMo

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

Head to head
About

GTWorld

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Highlights
  • Open new accounts with selfie verification
  • Biometric and facial recognition login
  • Incognito mode to hide balances
  • Quick transactions for transfers and airtime
  • Near Me money transfers
  • Pull money from other banks
  • Card control features
Features
Read full description

A newly redesigned GTWorld application beautifully engineered and enhanced to help you manage your mobile banking and finances Track, Pay & Grow your Money from one App. Introducing the new GTWorld application with a fresh new look and cool features that will allow you open an account, transfer money, pay bills, buy airtime or data, and more – all in one place! Key Features: - Open an account and onboard easily with a Selfie to verify your identity! - Faster login and transaction authentication with biometrics, facial recognition or a PIN - New Incognito mode - toggle to hide all your balances - Log a dispense error instantly after a transaction - 3-tap quick transactions for transfers, airtime and data purchases from springboard - Near Me transfer – which automatically locates other GTWorld users near you for you to send money - Keep your account funded by ‘pulling’ money from accounts in other bank using your GTWorld app - Upgrade your account to gain more flexibility, without coming to the branch - Switch between Dark and light mode based on your personal preference Manage your Finances: - Pay for bills, utilities and other services - More efficient transfers using your phone book contacts - Smarter transaction history - View and share receipts - Buy airtime and data for self, phone book contacts and others - Card control which allows you block your card payments by channel or by country - Download statements up to # months

About

MTN MoMo

Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.

Highlights
  • Send money to friends and family
  • Top up airtime
  • Purchase bundles
  • Pay bills
  • Pay merchants
  • Manage money
Features
Read full description

Welcome to the world of MoMo. With MoMo you can send money to friends & family, topup airtime, purchase bundles, pay your bills, merchants and much more. It's a one-stop shop for everything you need. MoMo makes it easy to keep track of your money. You can use MoMo services to manage your money..

Screenshots

GTWorld4 screens
MTN MoMo4 screens

Verdict

The call

The clearest difference is review sentiment: GTWorld at 95% against MTN MoMo's 8%. GTWorld also leads on rating (4.7 vs 3.1) and ratings volume (46K vs 572). MTN MoMo's advantage is iOS requirement (10.0 vs 14.0). On price, ads, in-app purchases and monetization model 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

GTWorld holds the better App Store score, 4.7 against 3.1. That said, the two scores are not equally well evidenced: GTWorld has 46K ratings behind it against 572, so its average is the more settled of the two. Written reviews point the same way: 95% of GTWorld's written reviews are positive against 8% of MTN MoMo's.

UpkeepUpdate frequency

GTWorld ships an update monthly, MTN MoMo every 4 months. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard5 real differences · 5 level
GTWorld versus MTN MoMo: the parameters behind the verdict, then further details
ParameterGTWorldMTN MoMo
PriceFreeFree
Rating4.7 (46K ratings) — better3.1 (572 ratings)
Positive reviews94.7% of reviews — better7.7% of reviews
Number of ratings46K — better572
Update frequencyMonthly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.010.0 — better
Further details — not scored
Size262 MB21 MB
Age rating17+4+
DeveloperGuaranty Trust Bank PLCMTN

Customer experience

GTWorld

All ratings45,863 ratings
Positive92.3%
Neutral4.0%
Negative3.8%
Written reviews6,474 reviews
Positive94.7%
Neutral2.4%
Negative2.9%

MTN MoMo

All ratings572 ratings
Positive47.6%
Neutral9.4%
Negative43.0%
Written reviews142 reviews
Positive7.7%
Neutral7.7%
Negative84.5%

User reviews

GTWorld

From 46K App Store ratings

What we love

  • 🚀 Fast and easy to use
  • 🔒 Secure banking app
  • 👍 Smooth and intuitive interface
  • 🚀 Seamless transactions
  • 👍 Reliable and consistent performance

Room to improve

  • 🐛 Occasional login and logout issues
  • 🐛 Inconsistent transaction history display
  • 🐛 Inability to add new beneficiaries
  • 🐛 Frequent app crashes and errors
  • 🐛 Confusing and cluttered UI after update

MTN MoMo

From 572 App Store ratings

What we love

  • 👍 Useful for money transfers
  • 💡 Suggestion for resending from transaction history
  • 👍 Decent app interface and design

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔒 Security issues with saved login details
  • 🔍 Difficult to log in and register
  • 🚫 Restricted to only MTN data, not compatible with WiFi
  • 💰 High transaction fees

Bugs and requests

GTWorld

Reported bugs

4 issues
  • Transaction failures and delays
  • Inability to update phone number for non-Nigerian users
  • Forced re-enrollment and limit resets
  • Unresponsive 'Continue' button during transactions

Requested features

5 requests
  • Ability to schedule recurring transfers
  • Option to hide account balance
  • Improved transaction search and filtering
  • Restore previous app features and functionalities
  • Optimize app for better performance on older devices

MTN MoMo

Reported bugs

5 issues
  • App not working on iOS 16
  • Incorrect pin errors
  • Unable to log in or register
  • Fails to send OTP codes
  • Deducts money without completing transactions

Requested features

5 requests
  • Add ability to cancel scheduled transfers
  • Expand bank integration for transfers
  • Improve security with biometric login
  • Allow usage on WiFi networks
  • Reduce transaction fees

In-app purchases

None

GTWorld

No in-app purchases

None

MTN MoMo

No in-app purchases

Questions

Is GTWorld free?
GTWorld is free to download, with no in-app purchases.
Is MTN MoMo free?
MTN MoMo is free to download, with no in-app purchases.
Which has better reviews, GTWorld or MTN MoMo?
GTWorld is rated higher. GTWorld averages 4.7 out of 5 from 46K ratings, while MTN MoMo averages 3.1 from 572 ratings.
Do GTWorld or MTN MoMo have ads?
Neither GTWorld nor MTN MoMo shows ads.
Which is updated more often, GTWorld or MTN MoMo?
GTWorld ships an update monthly, and MTN MoMo every 4 months. Most recently, GTWorld was updated on September 24, 2026 and MTN MoMo on September 23, 2026.

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