# Local Pay vs MoMo App

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). On price, update cadence, 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.

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.

## The numbers

| Metric | Local Pay | MoMo App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.5 (1.3K ratings)](https://appshunter.io/ios/app/momo-app/id6532622230/reviews)** |
| Number of ratings | — | **1.3K** |
| Positive reviews | **100.0% of reviews** | 22.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 171 MB | 90 MB |
| Requires iOS | **12.2** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Creditwestbank Ltd.](https://appshunter.io/developer/958468878) | [MTN FINTECH(PTY) LTD](https://appshunter.io/developer/1756760151) |

## What reviewers say

### Local Pay

[App page](https://appshunter.io/ios/app/local-pay/id1328860932)

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.

**Highlights:** Easy payment processing, Earn points on purchases, Redeem points as cash, Network of contracted partners, Convenient transaction management

**Features:** Vision Pro support

**In-app purchases:** none


### MoMo App

[App page](https://appshunter.io/ios/app/momo-app/id6532622230)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast transactions
- 💡 Innovative features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🔒 Security issues
- 🔋 Performance problems
- 👎 Poor user experience

**Reported bugs**

- OTP generation failure
- Verification link issues
- Inability to log in
- Unresponsive app features
- Incompatibility with eSIM

**Requested features**

- Add YelloSave feature
- Improve verification process
- Integrate more services
- Allow profile picture customization
- Optimize app performance


## Frequently asked questions

### Is Local Pay free?

Local Pay is free to download, with no in-app purchases.

### Is MoMo App free?

MoMo App is free to download, with no in-app purchases.

### Do Local Pay or MoMo App have ads?

Neither Local Pay nor MoMo App shows ads.

### Which is updated more often, Local Pay or MoMo App?

Local Pay ships an update every 3 weeks, and MoMo App monthly. Most recently, Local Pay was updated on October 3, 2026 and MoMo App on October 22, 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.*