# UMB SpeedApp vs KOWRI

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.

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.

## The numbers

| Metric | UMB SpeedApp | KOWRI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (65 ratings)](https://appshunter.io/ios/app/umb-speedapp/id1289570658/reviews) | **[4.5 (123 ratings)](https://appshunter.io/ios/app/kowri/id1616706058/reviews)** |
| Number of ratings | 65 | **123** |
| Positive reviews | 16.7% of reviews | **30.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 21 MB | 102 MB |
| Requires iOS | **11.1** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Universal Merchant Bank Ltd](https://appshunter.io/developer/1289570657) | [DreamOval Ltd.](https://appshunter.io/developer/1039481648) |

## What reviewers say

### UMB SpeedApp

[App page](https://appshunter.io/ios/app/umb-speedapp/id1289570658)

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:** macOS Compatibility

**In-app purchases:** none


### KOWRI

[App page](https://appshunter.io/ios/app/kowri/id1616706058)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*