Comparison

GTWorld vs MoMo App

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

MoMo App

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

Highlights
  • All financial needs in one place
  • Secure biometric login
  • Send and receive money
  • Instant bill payments
  • Access loans and advances
  • Virtual card for online shopping
  • Scan and pay with QR codes
Features
Currently charting
Read full description

Send and receive money locally and internationally effortlessly with MoMo. Manage your money anytime, anywhere with the new MoMo App. Send money, make payments, and access financial services securely and conveniently — all in one place. Features: • Send and receive money locally and internationally • Pay bills quickly and securely • Deposit and CashOut with ease • Scan and pay with QR codes • Shop online safely with a virtual card • Access loans and advances when you need them • Grow your money with savings and investment options • Buy airtime and data instantly • Buy tickets for events and services • Secure biometric login for fast access Take control of your finances with a secure, easy, and fast experience.

Screenshots

GTWorld4 screens
MoMo App4 screens

Verdict

The call

The clearest difference is review sentiment: GTWorld at 95% against MoMo App's 23%. GTWorld also leads on rating (4.7 vs 3.5) and ratings volume (46K vs 1.2K). MoMo App's advantage is chart position (#144 vs unranked). On price, update cadence, 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

GTWorld holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: GTWorld has 46K ratings behind it against 1.2K, 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 23% of MoMo App's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

Scorecard6 real differences · 5 level
GTWorld versus MoMo App: the parameters behind the verdict, then further details
ParameterGTWorldMoMo App
PriceFreeFree
Rating4.7 (46K ratings) — better3.5 (1.2K ratings)
Positive reviews94.7% of reviews — better22.5% of reviews
Number of ratings46K — better1.2K
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank—#144 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better16.0
Further details — not scored
Size262 MB114 MB
Age rating17+17+
DeveloperGuaranty Trust Bank PLCMTN FINTECH(PTY) LTD

Customer experience

GTWorld

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

MoMo App

All ratings1,211 ratings
Positive57.8%
Neutral11.4%
Negative30.8%
Written reviews204 reviews
Positive22.5%
Neutral11.3%
Negative66.2%

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

MoMo App

From 1.2K App Store ratings

What we love

  • 🚀 Fast transactions
  • 💡 Innovative features
  • 👍 User-friendly interface

Room to improve

  • 🐛 Bugs and glitches
  • 🔒 Security issues
  • 🔋 Performance problems
  • 👎 Poor user experience

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

MoMo App

Reported bugs

5 issues
  • OTP generation failure
  • Verification link issues
  • Inability to log in
  • Unresponsive app features
  • Incompatibility with eSIM

Requested features

5 requests
  • Add YelloSave feature
  • Improve verification process
  • Integrate more services
  • Allow profile picture customization
  • Optimize app performance

In-app purchases

None

GTWorld

No in-app purchases

None

MoMo App

No in-app purchases

Questions

Is GTWorld free?
GTWorld is free to download, with no in-app purchases.
Is MoMo App free?
MoMo App is free to download, with no in-app purchases.
Which has better reviews, GTWorld or MoMo App?
GTWorld is rated higher. GTWorld averages 4.7 out of 5 from 46K ratings, while MoMo App averages 3.5 from 1.2K ratings.
Do GTWorld or MoMo App have ads?
Neither GTWorld nor MoMo App shows ads.
Which is updated more often, GTWorld or MoMo App?
GTWorld ships an update monthly, and MoMo App monthly. Most recently, GTWorld was updated on September 24, 2026 and MoMo App on September 23, 2026.

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