UnionMobile vs Monibac
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UnionMobile
Manage your finances on the go with a comprehensive banking app. Easily pay bills, transfer funds, buy airtime, and view transaction history. Enjoy convenient features like cardless ATM withdrawals and personalized profiles.
- Pay bills
- View account balances and history
- Transfer funds
- Buy airtime and data
- Cardless ATM withdrawal
- ATM and branch locator
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We’ve made banking simple so you can focus on what matters most to you. With new features and updates, you can: · Pay bills: DSTV, GOTV, LCC, PHCN etc. · View your account balances and transaction history · Transfer to Union Bank and other bank accounts · Buy airtime and data bundles · Get quick tips, updates on new features, and promotional offers. · Cardless Withdrawal: You or a beneficiary can make withdrawals from our ATMs without debit cards · Verify transactions via a self-selected PIN, an SMS token or a hardware token (obtained from any of our branches). Other features include: · ATM and Branch locator · News on the go · Instant account statement · Weather forecast · Manage and save beneficiaries · Personalized profiles: Upload your picture on your profile How to register: Existing UnionOnline users: · Download the app · Click on the “Log in” icon · Type in your UnionOnline username and password · Follow prompts and generate a transaction PIN Prospective users/ Existing UnionMobile users without UnionOnline. · Download the app · Click the “Get Started” icon · Follow prompts to complete registration
Monibac
Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.
- Collateral-free loans
- Earn interest on savings
- Loans up to 150% of savings
- Transparent loan terms
- Monthly repayment reminders
- Lock savings for interest
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Monibac is an app where you can save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? There are no charges on deposits. You earn interest when you lock your savings. You can easily top up and withdraw to your account. How it works Install the Monibac App from the App Store Register your account Start saving Lock your savings for a specified period of time to earn interest. For example, if you save for 3 months, you get 3% of your savings; for 6 months, you get 5%. Eligibility Above 18 years Lives in Nigeria Contact Us Customer service Email: admin@monibac.com Customer service Hotline: 07060953139 Address: Block A211, Sura Shopping Complex, Lagos Island, Lagos State.
Screenshots
Verdict
The clearest difference is rating: UnionMobile at 3.1 against Monibac's 2.8. UnionMobile also leads on monetization model (free vs free with in-app purchases) and ratings volume (680 vs 87). Monibac's advantage is review sentiment (18% vs 10%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UnionMobile holds the better App Store score, 3.1 against 2.8. That said, the two scores are not equally well evidenced: UnionMobile has 680 ratings behind it against 87, so its average is the more settled of the two. Written reviews complicate that: 10% of UnionMobile's written reviews are positive against 18% of Monibac's, so the app with the better star average is not the one people write more warmly about.
UnionMobile ships an update every 2 months, Monibac every 3 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.
| Parameter | UnionMobile | Monibac |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (680 ratings) — better | 2.8 (87 ratings) |
| Positive reviews | 9.6% of reviews | 17.9% of reviews — better |
| Number of ratings | 680 — better | 87 |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 72 MB | 68 MB |
| Age rating | 4+ | 17+ |
| Developer | Union Bank of Nigeria Plc | Prime Zone Limited |
Customer experience
UnionMobile
Monibac
Bugs and requests
UnionMobile
Reported bugs
3 issues- Login failures and app freezes
- Delayed OTP delivery for transactions
- Inconsistent app behavior across devices
Requested features
3 requests- Improve biometric login functionality
- Allow hiding of account balance during transactions
- Streamline airtime purchase process
Monibac
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UnionMobile
No in-app purchases
Monibac
No in-app purchases
