Comparison

Remita vs Causality | Time is money

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

Head to head
About

Remita

Manage your finances with ease. Send money to Nigerian and African banks, pay bills, book flights, and top up airtime. Track expenses, set budgets, and automate recurring payments. Facilitates group payments and contactless transactions.

Highlights
  • Money transfers to Nigerian and African banks
  • Bill payments (electricity, TV, school fees)
  • Flight booking and comparison
  • Airtime and data top-up
  • Consolidated bank account view
  • Budgeting and expense tracking
  • Automated recurring payments
  • QR code payments
Features
Read full description

Send Money Anywhere: Transfer to all Nigerian banks, including microfinance banks and wallets, plus send to banks across Africa. Pay Bills Easily: Electricity, water, Pay TV, school fees, insurance, government agencies and more. Book Flights: Search, compare, book, and pay for local and international flights. Top Up Airtime & Data: Recharge for yourself, others, or multiple beneficiaries instantly. View All Your Accounts: See balances across all your profiled bank accounts on one screen. Budget & Track Expenses: Plan ahead and spend wisely. Recurring Payments: Never miss any time-bound payment again! Simply automate it with Remita. Split Bills: Super easy way to pull funds together for a common purpose-hangout, support for a friend, project, etc. Snap or Tap to Pay: Scan QR codes or tap to complete payments at shops, schools, restaurants, and more. Business Ready: Review and securely authorise payments for SME, businesses, SME, NGOs, faith institutions, governments and others on the go.

About

Causality | Time is money

Features
Read full description

APP PROGRAM BREAKTHROUGH: "numbers" and "letters" share same "entry" now NEW DYNAMICS: moving columns allow "profit flow" Could you be your own accountant? Would you like your own "accounting firm" in the form of an app? (Technically, you should have never wanted to be your own accountant because no one pays for your time regardless if gain or loss is discovered, so you would once pay another to be your accountant whilst you continue whatever you were doing resulting with accounting, but my app takes away "time," so read further how accounting's core "matching principle" is redesigned whilst taking advantage of this app's unique "entry" innovation) Do you want to know your bottom line at any time? Do you want to avoid bankruptcy? Do you want to discover the greatest profit? Would you like a computational tool at the speed of light? Why bother to remember a long list of figures when a program can do it for you? This is a new form of accounting. You do not have to check equations, the numbers that you input will not vanish, and you do not have to learn accounting terminology (new or original) to understand this dynamic matching principle. Forget about spreadsheet cells that divide letters or numbers because you can now have slots that can have both. It is pairing the positive and the negative of an infinite series. It is like combining all accounting statements into one form. The positive column represent "Assets." The negative column represent "Liabilities." Again, each slot can be described in letters and numbers. The tapping rules remain the same. Tapping once is to select a slot or scroll between slots. Tapping a slot twice is to interact. Tapping "Description" twice interacts with the alphabet. Tapping "Amount" twice interacts with the numbers. Scrolling changes the "Cumulative" and the "Sum" relationships, but not inside the slots. The "Sum" is the horizontal difference between slots. The "Cumulative" is the sum of differences of all of the above. The "bottom line" is still at the bottom. You can use any vocabulary you want because the mathematics stays the same. Hours of procedure have been removed. Avoiding bankruptcy and ascending to fortune is possible, because you would know when decisions should occur. The interactions here are as fast as freelance liquid finance. Starting from the center, there are two ways to use this tool. The first style is to layer downwards and such will resemble the traditional thinking pattern with plenty of space above for the unexpected. The second style is to layer the positive entries upwards and layer the negative entries downwards so that scrolling geometrically substitutes "time" itself. Either way, what you then have is (1) budgeting, (2) auditing, and (3) the matching principle digitally streamlined simultaneously. No longer do the numbers have to be grouped to fit a normal page because this is a scrolling digital page with 3,000 slots per column. It is an overlooked feature of the app, but if one were to share their Digital Cloud Account then one side could supply data and the other side could act on the data. There is no limit to sharing size. And if you are really up to the challenge of complexity, you can combine "acronyms" and "dates" into the Description area of slots, simultaneously "coding" the figures. Such was "speed accounting" before preparation of the final accounting statements, but now it can be taken at face value. And, unlike all previous office space, the Digital Cloud allows a separation between "hardware" and "data," which reduces typical business risk and requisite insurance for operations. This app is like a ledger accountant (ancient) telling you your "bottom line" whenever you want (new). The app is like infinite ledger accountants representing privacy.

Screenshots

Remita4 screens
Causality | Time is money2 screens

Verdict

The call

The clearest difference is in-app purchases: Remita at none against Causality | Time is money's 1. Causality | Time is money's advantage is iOS requirement (13.0 vs 16.0). On price, update cadence, ads 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. Causality | Time is money sells 1 one-off in-app purchase. Remita asks for nothing beyond the download.

UpkeepUpdate frequency

Remita ships an update every 5 days, Causality | Time is money every 8 days. The most recent releases landed on November 2, 2026 and October 12, 2026 respectively.

Scorecard2 real differences · 8 level
Remita versus Causality | Time is money: the parameters behind the verdict, then further details
ParameterRemitaCausality | Time is money
PriceFreeFree
Rating3.1 (24 ratings) — better—
Positive reviews6.7% of reviews—
Number of ratings24 — better—
Update frequencyEvery 5 days — betterEvery 8 days
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.013.0 — better
Further details — not scored
Size186 MB32 MB
Age rating4+4+
DeveloperSystemspecs LimitedPRICELESS LLC

In-app purchases

None

Remita

No in-app purchases

1 purchases

Causality | Time is money

One-time1
  • Causality remove ads$19.99

Questions

Is Remita free?
Remita is free to download, with no in-app purchases.
Is Causality | Time is money free?
Causality | Time is money is free to download, with in-app purchases available.
Do Remita or Causality | Time is money have ads?
Neither Remita nor Causality | Time is money shows ads.
Which is updated more often, Remita or Causality | Time is money?
Remita ships an update every 5 days, and Causality | Time is money every 8 days. Most recently, Remita was updated on November 2, 2026 and Causality | Time is money on October 12, 2026.

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