UMB SpeedApp vs KOWRI
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UMB SpeedApp
Manage your bank accounts and perform financial transactions conveniently and securely. Monitor your accounts in real-time, pay bills, transfer funds, and access various banking services through this digitized channel.
- Check account balances
- View transaction history
- Airtime top-up
- Bill payment
- Request services
- Funds transfer
- Loan services
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Full Description: Enjoy convenient and secure banking with this innovative digitized channel. The available services offer flexibility with account management and the ease of executing financial transactions seamlessly. Customers benefit from real time account monitoring in a secure and simplified way. Some of the key features of the UMB SpeedApp include the following: Check Account Balances -Check Transaction History -Airtime top up for Self & Others -Bill Payment Services -Request Services – Statement, Cheque Book, etc. -Locate Us – Branch & ATM -Product Information -Bancassurance Services -Funds Transfer Services -Loan Services -Investment Services -Card Services -Standing Order Services -Forex Rates -My Profile
KOWRI
This app simplifies financial management and payments across Africa. It allows users to link various accounts, make secure payments for bills and services, transfer money instantly, and discover local businesses. The platform also offers tools for wealth planning, subscription management, and spending tracking.
- Link bank accounts, mobile money, and cards
- Secure bill payments (electricity, water, insurance)
- Instant money transfers
- QR code payments
- Discover local businesses
- Personalized financial insights
- Automate recurring payments
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Kowri: The Way to Pay Kowri is your intelligent financial companion, created to simplify payments and revolutionize how you manage money across Africa. We built Kowri because financial management shouldn’t be stressful. From delayed transactions to poor support and fragmented services, we’ve all been there. Kowri changes that. Designed to work securely, seamlessly, and intelligently, Kowri is the way to pay. Everything in One App Kowri is more than a payments app—it’s a platform that connects your entire financial world. Whether you’re paying for utilities, transferring money, managing subscriptions, or buying car insurance, Kowri gives you the tools to handle it all in one place. What You Can Do with Kowri • Link All Your Accounts: Connect your bank accounts, mobile money wallets, and debit or credit cards for seamless transactions. • Make Secure Payments: Pay bills like electricity, water, or car insurance, all from your app. • Send Money Anywhere: Transfer money instantly to Kowri users, bank accounts, or mobile money wallets. • QR Code Payments: Share or receive payments effortlessly with your personal QR code. • Discover Businesses Nearby: Find and transact with local businesses that accept Kowri. • Plan for Wealth: Get personalized insights, automate recurring payments, and track your spending trends—all from a beautifully redesigned dashboard. Say goodbye to frustration. Say hello to Kowri. Download now and experience the smarter way to pay and grow your wealth. [:mav: 3.5.1]
Screenshots
Verdict
The clearest difference is rating: KOWRI at 4.5 against UMB SpeedApp's 2.9. KOWRI also leads on update cadence (every 2 weeks vs every 3 months) and review sentiment (30% vs 17%). UMB SpeedApp's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (11.1 vs 15.5). On price, ratings volume, 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.
KOWRI holds the better App Store score, 4.5 against 2.9. Both are backed by a comparable volume of ratings — 65 and 123 respectively. Written reviews point the same way: 17% of UMB SpeedApp's written reviews are positive against 30% of KOWRI's.
UMB SpeedApp ships an update every 3 months, KOWRI every 2 weeks. Both last shipped on November 3, 2026.
| Parameter | UMB SpeedApp | KOWRI |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (65 ratings) | 4.5 (123 ratings) — better |
| Positive reviews | 16.7% of reviews | 30.0% of reviews — better |
| Number of ratings | 65 | 123 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 21 MB | 102 MB |
| Age rating | 4+ | 12+ |
| Developer | Universal Merchant Bank Ltd | DreamOval Ltd. |
Customer experience
UMB SpeedApp
KOWRI
In-app purchases
UMB SpeedApp
No in-app purchases
KOWRI
No in-app purchases









