T vs R
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
T
Manage your finances with a dedicated account for easy remittances and transactions. This convenient app lets you send money, make payments, and purchase goods and services.
- Remittance services
- Financial transactions
- Fund transfers
- Withdrawals
- Bill payments
- Goods and services purchases
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T-Plus allows you to experience a whole new method of remittance and many financial transactions by maintaining a T-Plus account. This is both convenient and easy to use. You will be able to remit, withdraw, request, transfer funds as well as purchase goods and services and even pay your utility bills.
R
Send and receive money internationally with this licensed service. It facilitates fast, secure cross-border transactions between Kenya, Somalia, and Ethiopia using USD, KES, and ETB. Supports mobile money and bank transfers with competitive exchange rates.
- Cross-border money transfers
- Mobile money integration
- Bank transfers
- Currency exchange
- Secure transactions
- Real-time exchange rates
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R-Cash is a licensed international money transfer service provided and operated by Ramad Pay Inc., allowing users to send and receive funds across Kenya, Somalia, and Ethiopia. The app provides fast transaction processing, secure transfers, and transparent, competitive exchange rates. What you can do with R-Cash • Send money cross-border in USD, KES, and ETB with real-time rates. • Mobile money transfers with supported services like M-Pesa (Kenya), Zaad / Sahal / EVC Plus (Somalia), plus bank options. • Currency exchange between USD, KES, and ETB with live rate updates and instant execution • Kenya bank transfers to major banks and broader coverage across Kenya’s banking network. • Secure transactions using bank-grade protections and a compliance-focused setup.
Screenshots
Verdict
The clearest difference is rating: T at 4.2 against R's 3.0. T also leads on ratings volume (81 vs 2). R's advantage is review sentiment (50% vs 31%) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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.
T holds the better App Store score, 4.2 against 3.0. That said, the two scores are not equally well evidenced: T has 81 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 31% of T's written reviews are positive against 50% of R's, so the app with the better star average is not the one people write more warmly about.
T ships an update every 2 months, R every 3 weeks. The most recent releases landed on October 26, 2026 and October 28, 2026 respectively.
| Parameter | T | R |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (81 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 31.3% of reviews | 50.0% of reviews — better |
| Number of ratings | 81 — better | 2 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 91 MB | 49 MB |
| Age rating | 4+ | 17+ |
| Developer | SomBank Ltd | Ramad Pay Inc |
Customer experience
T
R
In-app purchases
T
No in-app purchases
R
No in-app purchases
