Comparison

UMB SpeedApp vs KOWRI

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

Head to head
About

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.

Highlights
  • Check account balances
  • View transaction history
  • Airtime top-up
  • Bill payment
  • Request services
  • Funds transfer
  • Loan services
Features
Read full description

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

About

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.

Highlights
  • 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
Read full description

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

UMB SpeedApp4 screens
KOWRI4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

UMB SpeedApp ships an update every 3 months, KOWRI every 2 weeks. Both last shipped on November 3, 2026.

Scorecard5 real differences · 5 level
UMB SpeedApp versus KOWRI: the parameters behind the verdict, then further details
ParameterUMB SpeedAppKOWRI
PriceFreeFree
Rating2.9 (65 ratings)4.5 (123 ratings) — better
Positive reviews16.7% of reviews30.0% of reviews — better
Number of ratings65123 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS11.1 — better15.5
Further details — not scored
Size21 MB102 MB
Age rating4+12+
DeveloperUniversal Merchant Bank LtdDreamOval Ltd.

Customer experience

UMB SpeedApp

All ratings64 ratings
Positive45.3%
Neutral3.1%
Negative51.6%
Written reviews18 reviews
Positive16.7%
Neutral0.0%
Negative83.3%

KOWRI

All ratings122 ratings
Positive86.1%
Neutral4.1%
Negative9.8%
Written reviews10 reviews
Positive30.0%
Neutral0.0%
Negative70.0%

In-app purchases

None

UMB SpeedApp

No in-app purchases

None

KOWRI

No in-app purchases

Questions

Is UMB SpeedApp free?
UMB SpeedApp is free to download, with no in-app purchases.
Is KOWRI free?
KOWRI is free to download, with no in-app purchases.
Which has better reviews, UMB SpeedApp or KOWRI?
KOWRI is rated higher. UMB SpeedApp averages 2.9 out of 5 from 65 ratings, while KOWRI averages 4.5 from 123 ratings.
Do UMB SpeedApp or KOWRI have ads?
Neither UMB SpeedApp nor KOWRI shows ads.
Which is updated more often, UMB SpeedApp or KOWRI?
UMB SpeedApp ships an update every 3 months, and KOWRI every 2 weeks. Most recently, UMB SpeedApp was updated on November 3, 2026 and KOWRI on November 3, 2026.

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