JumiaPay vs Neocash Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
JumiaPay
Easily pay for airtime, mobile data, and various bills like electricity and cable TV. Enjoy guaranteed bonuses on recharges and free bill payments, saving money on every transaction. Securely complete payments with bank accounts or credit cards.
- Airtime top-up with bonus
- Mobile data recharge
- Free electricity bill payments
- Cable TV recharge
- Internet recharge
- Toll gate payments
- Secure payment options
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JumiaPay is the easiest way to do an airtime top-up and pay for your mobile data & bills. All at the BEST price! With JumiaPay you enjoy: • Guaranteed Bonus on each airtime top-up & Mobile Data recharge • FREE bills payments, saving N100 on each bill • Secure payment via Bank account or credit card: 100% secured & certified by CBN • Attractive Bonus for 1st time user: no voucher code needed AIRTIME: Earn guaranteed Bonus on each Airtime top-up & Mobile data purchase! Airtime top-up with JumiaPay app is instant and easy. When making a mobile data recharge, you can browse through all the recharge plans and pick the best one for you. Do an airtime top-up for all major operators: • MTN • Airtel • Glo • 9Mobile CABLE TV RECHARGE: Enjoy FREE bills payment & save N100 on each cable TV bill payment! Cable TV recharge with JumiaPay app is simple & instant. Select your operator, fill in the customer id, choose your plan/amount, verify your account details on summary page & complete your payment. Recharge your cable TV for all the major service providers, such as: • DStv • GOtv • Startimes PAY ELECTRICITY BILLS: Enjoy FREE bills payment & save N100 when paying your electricity bills! Electricity bills payments with JumiaPay App takes less than a minute. Select your pre/postpaid meter type, choose your electricity distribution company, enter your meter number & amount, verify your account details on summary page & complete your payment. You will receive your applicable meter token straight away via email. We have all major Electricity Distribution Companies (DISCO) on JumiaPay app, such as: • EKO • IKEJA • ABUJA • KANO • ENUGU • JOS INTERNET RECHARGE: Enjoy FREE bills payment & save N100 on each internet recharge! It’s the best way to recharge your internet instantly. Select your internet provider, enter your customer ID, select your data plan/amount, verify your account details on summary page & complete your payment. You’re done, enjoy surfing! Recharge your internet with JumiaPay App for all major Internet Service Providers (ISP), such as: • Spectranet • Smile • SWIFT TOLL GATE PAYMENT: Enjoy FREE Toll payment & save N100 on each payment! It’s very simple. Select your Toll operator, enter your account number, fill in the amount, verify your account details on summary page & complete your payment. Your toll charges are paid. Pay for your e-tag easily on JumiaPay App. We support 2 major Toll companies in Lagos: • LCC • LTC Other Services JumiaPay is truly All-in-One. You can shop online, book a hotel, purchase a flight/bus ticket, book a Uber ride, order your favorite food at your doorstep, buy movie & event tickets, place your bets, read your favorite blogs, listen to radio. The list is endless: explore yourself! For more details, please visit: https://pay.jumia.com.ng Please send us your feedback through cs.one.ng@jumia.com
Neocash Mobile
This app offers quick and easy personal loans to Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.
- Loan application in 5 minutes
- Borrow up to ₦5,000,000
- Flexible repayment tenure
- No collateral or guarantor needed
- Fast fund disbursement
- Secure and reliable platform
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LAGOS STATE RESIDENTS ONLY Whatsapp: 08081250499 ₦5,000 to ₦25,000,000, apply in just 5 minutes! No Collateral, No Guarantor, No Time! NeoCash is a new app from Shepherd Trust Microfinance Bank. We have been providing financial services to all classes of Nigerians since 2011, and are now bringing the same quality customer service right into your hands. We are on a mission to give a human touch to digital banking and as we scale, we’re bringing with us the same people-centric, customer focused culture we’ve always strived to build locally. Download our app now and apply for a loan in less than 5 minutes. Why Use NeoCash? - Borrow up to ₦5,000,000 - Choose your payment tenure - Fast and easy access to loans, with no hidden charges - Account is credited as soon as the loan is approved - No collateral or guarantor needed for most loans - NeoCash Loan App is extremely secure and reliable Loan characteristics Loan amounts from ₦5,000 to ₦5,000,000 Repayment period from 61 days to 12 months APR from 30% to 120% per annum Loan Requirements - A steady and verifiable source of income (Job or Business) - Bank statement (to prove income) - Gov't issued ID Card - A good credit history An example of a NeoCash loan Borrow ₦100,000 over 3 months Interest (total cost of the loan): ₦7,500 (2.5% rate) Three monthly repayments: ₦35,833 Total amount payable: ₦107,500 Representative: 30% APR
Screenshots
Verdict
The clearest difference is rating: JumiaPay at 4.6 against Neocash Mobile's 3.4. JumiaPay also leads on review sentiment (50% vs 14%) and ratings volume (7.5K vs 8). Neocash Mobile's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support 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.
JumiaPay holds the better App Store score, 4.6 against 3.4. That said, the two scores are not equally well evidenced: JumiaPay has 7.5K ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 50% of JumiaPay's written reviews are positive against 14% of Neocash Mobile's.
JumiaPay ships an update every 5 weeks, Neocash Mobile every 3 weeks. The most recent releases landed on November 11, 2026 and November 12, 2026 respectively.
| Parameter | JumiaPay | Neocash Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (7.5K ratings) — better | 3.4 (8 ratings) |
| Positive reviews | 49.6% of reviews — better | 14.3% of reviews |
| Number of ratings | 7.5K — better | 8 |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 70 MB | 159 MB |
| Age rating | 4+ | 17+ |
| Developer | Africa Internet Group | Shephard Trust Bank |
Customer experience
JumiaPay
Neocash Mobile
Bugs and requests
JumiaPay
Reported bugs
4 issues- App crashes on sign-in
- Payment features not working
- Wallet balance not reflecting correctly
- Promotional codes not working as advertised
Requested features
4 requests- Restore iTunes gift card option for Nigeria
- Add Vodafone as alternative payment method
- Improve wallet balance withdrawal process
- Simplify login and account management
Neocash Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
JumiaPay
No in-app purchases
Neocash Mobile
No in-app purchases
