Local Pay vs MoMo App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Local Pay
Easily make payments with a network of contracted partners. Earn points on your transactions that can be redeemed as cash. Start managing your payments conveniently.
- Easy payment processing
- Earn points on purchases
- Redeem points as cash
- Network of contracted partners
- Convenient transaction management
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You can make your payments easily using Local Pay in all contracted partners of Creditwest Bank. You earn points for your payments and can use your points as cash anytime you want in Local Pay. Download and start to use Local Pay now with your customer number.
MoMo App
Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.
- All financial needs in one place
- Secure biometric login
- Send and receive money
- Instant bill payments
- Access loans and advances
- Virtual card for online shopping
- Scan and pay with QR codes
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Send and receive money locally and internationally effortlessly with MoMo. Features: • Send and receive money locally and internationally • Pay bills quickly and securely • Deposit and CashOut with ease • Scan and pay with QR codes • Shop online safely with a virtual card • Access loans and advances when you need them • Grow your money with savings and investment options • Buy airtime and data instantly • Buy tickets for events and services • Secure biometric login for fast access App Availability: Available in Benin, Cameroon, Congo-Brazzaville, Côte d'Ivoire, Ghana, Uganda, and Zambia. South Africa and Nigeria users can download their dedicated local MoMo apps.
Screenshots
Verdict
The clearest difference is review sentiment: Local Pay at 100% against MoMo App's 22%. Local Pay also leads on device support (3 vs 1) and iOS requirement (12.2 vs 16.0). MoMo App's advantage is chart position (#209 vs unranked). On price, update cadence, 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.
Local Pay ships an update every 3 weeks, MoMo App monthly. The most recent releases landed on October 3, 2026 and October 22, 2026 respectively.
| Parameter | Local Pay | MoMo App |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.5 (1.3K ratings) — better |
| Positive reviews | 100.0% of reviews — better | 22.3% of reviews |
| Number of ratings | — | 1.3K — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Best chart rank | — | #209 — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 12.2 — better | 16.0 |
| Further details — not scored | ||
| Size | 171 MB | 90 MB |
| Age rating | 4+ | 17+ |
| Developer | Creditwestbank Ltd. | MTN FINTECH(PTY) LTD |
Customer experience
Local Pay
MoMo App
Bugs and requests
Local Pay
Not enough reviews yet to summarise bugs or requests.
MoMo App
Reported bugs
5 issues- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM
Requested features
5 requests- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance
In-app purchases
Local Pay
No in-app purchases
MoMo App
No in-app purchases
