Paytent vs Mkobo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paytent
Manage multiple bank accounts from different institutions in one place. Perform various transactions remotely, including fund transfers, bill payments, and airtime top-ups, anytime and anywhere.
- Link multiple bank accounts
- Remote transactions
- Fund transfers
- Bill payments
- Airtime top-up
- Add beneficiaries
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Payattitude Digital is a single mobile app that welcomes you to a world of convenience of linking multiple accounts in different banks for remote/distant transactions. The app grants you 24/7 access to a wide variety of transaction types directly from your mobile phone wherever you are. Benefits: • Link accounts in different banks • Withdraw and pay through third party securely • Funds transfer • Airtime top-up • Bills payment • Account Statements • Enables the addition of beneficiaries directly from phone book for airtime top-up • Save beneficiary details for future transactions and much more
Mkobo
This neo-bank offers fair, simple, and affordable financial services to underserved populations. It provides interest on balances, free transfers, and cashback rewards, aiming to help users achieve their financial goals.
- Interest on balances
- 30 free transfers monthly
- Savings growth with Mkolo
- No account maintenance fees
- Bill payments with no extra cost
- Cashback on airtime and data
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Mkobobank is a neo-bank providing financial services that is fair, simple, and affordable to the underserved demography which will ultimately help to realise your dreams your. Download the Mkobobank app today Why Mkobobank? - Fairplay - Enjoy our Fairplay promise - say goodbye to those unfair bank charges! You earned the money and you deserve to keep it! - Interest on balances - Earn daily interest on your sitting balance! - Free Transfers - Get 30 Free transfers monthly! Thats 1 per day! - Mkolo - Grow your savings with Mkolo earn great return on your savings. - 0 Charges - NO account maintenance, NO minimum balance! - Bill payments - Pay for airtime, Electricity bill, Internet Data Subscription, etc at no extra cost. - Cash backs - Enjoy cashback on airtime and data subscription How to get started - Download the Mkobobank app - Sign up and create your bank account - Update and complete your profile - Upgrade to tier 2 or 3 by providing the required KYC. Enjoy fairplay banking Mkobobank - “Every Kobo Counts” Security Mkobo takes your security very seriously. We use highly bank-grade encryption to secure your personal data Regulatory Mkobo.bank is owned and managed by Mkobo Microfinance Bank Limited which is fully licensed by the Central Bank of Nigeria (CBN). All Customer deposits are protected by the Nigeria Deposit Insurance Corporation (NDIC). Get in Touch You can always reach us via the following channels: Social media: @mkobobank on Instagram, Twitter, LinkedIn, and Facebook. Email address - help@mkobo.com.ng Website - https://mkobo.bank We’d love to hear from you!
Screenshots
Verdict
The clearest difference is review sentiment: Mkobo at 100% against Paytent's 0%. Mkobo also leads on update cadence (every 10 days vs every 6 weeks). Paytent's advantage is rating (4.2 vs 3.6). On price, ratings volume, 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.
Paytent holds the better App Store score, 4.2 against 3.6. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews complicate that: 0% of Paytent's written reviews are positive against 100% of Mkobo's, so the app with the better star average is not the one people write more warmly about.
Paytent ships an update every 6 weeks, Mkobo every 10 days. The most recent releases landed on October 7, 2026 and October 20, 2026 respectively.
| Parameter | Paytent | Mkobo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) — better | 3.6 (7 ratings) |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 5 | 7 — better |
| Update frequency | Every 6 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 — better | 15.6 |
| Further details — not scored | ||
| Size | 47 MB | 118 MB |
| Age rating | 4+ | 17+ |
| Developer | PayAttitude | MKOBO Microfinance Bank |
Customer experience
Paytent
Mkobo
In-app purchases
Paytent
No in-app purchases
Mkobo
No in-app purchases
