HFCB vs Malipo Circles
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HFCB
Manage your finances on the go with this banking app. It allows you to control your account, transfer funds, pay bills, and track expenses from anywhere. Experience a new way to handle your money anytime, anywhere.
- Account management
- Cash transfers
- Bill payments
- Airtime purchases
- Expense tracking
- On-the-go access
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HF Whizz is a new banking experience that gives you control and access over your finances anywhere anytime. Enjoy the freedom to manage your account, transfer cash, pay bills, buy airtime, track your expenses and do so much more on the go. Whizz it any time any place. Powered by HFC
Malipo Circles
Manage group savings and loan applications with ease. This financial tool simplifies Chama collections and loan approvals for friends. Handle your group's finances conveniently through a user-friendly interface.
- Group savings management
- Loan application and approval
- Chama collection handling
- Convenient financial management
- User-friendly interface
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Malipo a financial product tailored to handle the ever so varied needs of friends in groups. You can now manage you Chama collection, apply and approve loans at the convenience of a button.
Screenshots
Verdict
The clearest difference is rating: Malipo Circles at 5.0 against HFCB's 2.6. HFCB's advantage is update cadence (every 2 weeks vs every 6 weeks) and ratings volume (10 vs 1). 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.
Malipo Circles holds the better App Store score, 5.0 against 2.6. That said, the two scores are not equally well evidenced: HFCB has 10 ratings behind it against 1, so its average is the more settled of the two.
HFCB ships an update every 2 weeks, Malipo Circles every 6 weeks. The most recent releases landed on June 22, 2026 and September 9, 2026 respectively.
| Parameter | HFCB | Malipo Circles |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (10 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | — |
| Number of ratings | 10 — better | 1 |
| Update frequency | Every 2 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.3 |
| Further details — not scored | ||
| Size | 127 MB | 78 MB |
| Age rating | 4+ | 4+ |
| Developer | HFC Limited | MALIPO CIRCLES LIMITED |
Customer experience
HFCB
Malipo Circles
In-app purchases
HFCB
No in-app purchases
Malipo Circles
No in-app purchases
