Comparison

NMB Mkononi vs HaloPesa

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

Head to head
About

NMB Mkononi

Manage your finances with a comprehensive banking app. Track spending, set budgets, control cards, and access loans, investments, and insurance. Features include global accessibility, mini-apps for travel and group accounts, and advanced security.

Highlights
  • Personal finance management
  • Card and limit control
  • Instant micro-loans
  • Scheduled transactions
  • Investment and FDR access
  • Diaspora banking
  • Mini-apps for lifestyle
Features
Read full description

Welcome to the New NMB Mkononi Super App! We’ve completely reimagined your banking experience. This update brings a fresh look, smarter features, and more control—whether you are in Tanzania or anywhere across the globe. A Fresh, Modern Experience • New UI/UX: Enjoy a sleek, intuitive design with a revamped interface and seamless navigation. • Seamless Journeys: Faster, smoother flows for fund transfers, bill payments, and account opening. NEW: Personal Finance Management (PFM) • Smart Analytics: Track your spending habits with real-time visual reports and automated expense categorization. • Budgeting Tools: Set financial goals and get deep insights into your money to help you spend smarter and save more. Complete Card & Limit Control • Advanced Card Management: Full control of your Debit, Credit, Virtual, and Prepaid cards. Block/unblock, link cards, or enable/disable online payments instantly. • Custom Limits: Set your own daily transaction limits for enhanced security and peace of mind. Smart Financial Tools • Mshiko Fasta: Need a quick boost? Access instant micro-loans directly from the app. • Spend to Save: Save as you spend by automatically rounding up or setting a percentage of your transactions aside. • Scheduled Transactions: Set it and forget it! Let the app handle your recurring payments and transfers. • Investment & FDR: Grow your wealth with easy access to UTT, DSE, and Fixed Deposit Receipts (FDR). • Link Other NMB Accounts: View and manage all your NMB accounts in one unified dashboard. Global & Accessible • Diaspora Banking: Whether you're at home or abroad, access your account and register seamlessly using biometrics. • Financial Board: Stay updated with a live Forex board and use the Loan Calculator to plan your future. • Locator Feature: Find the nearest ATM, Agency, or NMB Branch with our integrated map. Mini-Apps & Lifestyle • Kikundi (Group Accounts): Easily manage and contribute to your groups and social circles. • Umebima: Purchase and manage your insurance policies and payments directly. • Travel & Transport: Book and pay for your SGR tickets in just a few taps. Security First: Secure your app with advanced biometric login (Fingerprint & Face ID).

About

HaloPesa

Easily send and receive money, pay bills, and manage your finances on the go. This app offers secure transactions, airtime purchases, and merchant payments with a user-friendly interface. Access your bank accounts and cash out from agents conveniently.

Highlights
  • Send and receive money
  • Purchase airtime and bundles
  • Pay bills and merchants
  • View transaction history
  • Check account balance
  • QR code payments
  • Transfer to bank accounts
Features
Read full description

Mobile money is the easiest, fastest and affordable way to send and receive money and also make other transactions anywhere and at anytime. HaloPesa, the best mobile money service in Tanzania that is determined to bring you the best mobile money experience at the power of your fingertips by launching the HaloPesa App. The App brings to our customers the best mobile money experience and through the HaloPesa App our customers can send and receive money to and from their loved ones, pay for commodities, access their bank accounts and be able to make other digital payments at anytime and anywhere. App Features: - Secured log in access to your HaloPesa account with you 4 digit code. Remember to keep your code secret and for your eyes only. - Send money to other HaloPesa and non HaloPesa customer with ease. - Purchase airtime and bundles with convenience. - View your transaction history with the full history feature in your HaloPesa App. - Check your account balance anytime and anywhere. - Make payments to different merchants by just selecting within the option given to you by the HaloPesa App. - Make Payments through QR code in paying the merchants. - Transfer money from your virtual wallet to your bank account. - Participate in different extra curriculum activities such as betting, and be able to place your bet through the HaloPesa App. - Be able to make government payment with just a single tap. - Manage your HaloPesa App anytime and anywhere with the condition that you have the access of data connection. - Cash out from the many agents in your surroundings. - Reverse a transaction in the spot without any loss. - Make various payments such as paying bill at the power of your fingertips. - Choose between the language Swahili and English for your comfort ability. What’s New: Promotional content - The user will be able to view promotional content in the HaloPesa App as to see what is new in the HaloPesa world. - The User will be able to catch new products and services that the HaloPesa mobile service will launch. - Such information will be displayed so that the user can be up-to-date with new products and services from HaloPesa. Security Enhancements - A user will be provided with a one time password (OTP) at every transaction whereby the OTP will be sent to the user via SMS to ensure security of the transaction. - The user’s transactions will be highly secured and situations such as theft transactions will be avoided. Contact Enhancement - A user will be able to access his/her contacts via the HaloPesa App and hence making such transactions with ease. - Users when adding contacts will be able to save their contacts and rest assured be able to use them directly from the App when making transactions. Accessibility Enhancement. - User will be able to use the HaloPesa App in any device. - User must not register first upon using a different device than the one that is normally in use for the HaloPesa App.

Screenshots

NMB Mkononi4 screens
HaloPesa4 screens

Verdict

The call

The clearest difference is review sentiment: HaloPesa at 67% against NMB Mkononi's 11%. NMB Mkononi's advantage is rating (3.2 vs 2.9) and ratings volume (38 vs 11). 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

NMB Mkononi holds the better App Store score, 3.2 against 2.9. Both are backed by a comparable volume of ratings — 38 and 11 respectively. Written reviews complicate that: 11% of NMB Mkononi's written reviews are positive against 67% of HaloPesa's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NMB Mkononi ships an update every 2 months, HaloPesa every 5 weeks. The most recent releases landed on October 6, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 7 level
NMB Mkononi versus HaloPesa: the parameters behind the verdict, then further details
ParameterNMB MkononiHaloPesa
PriceFreeFree
Rating3.2 (38 ratings) — better2.9 (11 ratings)
Positive reviews11.1% of reviews66.7% of reviews — better
Number of ratings38 — better11
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size188 MB70 MB
Age rating4+4+
DeveloperNMB Bank PLCHaloPesa

Customer experience

NMB Mkononi

All ratings38 ratings
Positive50.0%
Neutral7.9%
Negative42.1%
Written reviews18 reviews
Positive11.1%
Neutral11.1%
Negative77.8%

HaloPesa

All ratings11 ratings
Positive45.5%
Neutral0.0%
Negative54.5%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

NMB Mkononi

No in-app purchases

None

HaloPesa

No in-app purchases

Questions

Is NMB Mkononi free?
NMB Mkononi is free to download, with no in-app purchases.
Is HaloPesa free?
HaloPesa is free to download, with no in-app purchases.
Which has better reviews, NMB Mkononi or HaloPesa?
NMB Mkononi is rated higher. NMB Mkononi averages 3.2 out of 5 from 38 ratings, while HaloPesa averages 2.9 from 11 ratings.
Do NMB Mkononi or HaloPesa have ads?
Neither NMB Mkononi nor HaloPesa shows ads.
Which is updated more often, NMB Mkononi or HaloPesa?
NMB Mkononi ships an update every 2 months, and HaloPesa every 5 weeks. Most recently, NMB Mkononi was updated on October 6, 2026 and HaloPesa on October 3, 2026.

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