TMB PaySecure vs Wave
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TMB PaySecure
This app provides a secure two-factor authentication solution using a soft token. It generates single-use PINs to protect your sensitive data and networked information, offering enhanced security with the convenience of a smartphone.
- Two-factor authentication
- Soft token security
- Passcode/PIN protection
- Generates single-use PINs
- Protects sensitive data
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Security tokens are generally used in environments with higher security requirements as part of a multi factor authentication system. Soft tokens give the same security advantages of multi factor authentication, while simplifying distribution and lowering costs. A soft token app is a two-factor authentication based on Passcode or PIN and something you have (an authenticator such as smartphone), protecting your sensitive networked information and data. A soft token is a software-based security token that generates a single-use 6 digit authentication PIN
Wave
This mobile money app offers affordable financial services in several African countries. Users can send money, deposit and withdraw funds for free, pay bills without fees, and buy airtime. It provides a user-friendly interface for managing finances on the go.
- Send money at 1%
- Free deposits and withdrawals
- Fee-free bill payments
- Buy airtime for all networks
- Toll-free customer support
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Wave is the most affordable mobile money network in Burkina Faso, Côte d'Ivoire, The Gambia, Mali, Senegal and Uganda :) - Send money for only 1% - Deposit and withdraw for FREE at any of our agents - Pay bills WITHOUT FEES - Buy airtime for all networks directly using the app (in Mali, Senegal and Uganda) - Call our toll-free numbers for support: - Burkina Faso: 80001257 - Côte D'Ivoire: 1315 - Mali: 80002221 - Senegal: 200600 - Uganda: 0800303064 - The Gambia: 1222
Screenshots
Verdict
The clearest difference is rating: Wave at 4.6 against TMB PaySecure's 4.0. Wave also leads on update cadence (fortnightly vs every 9 months) and ratings volume (3.6K vs 1). TMB PaySecure's advantage is iOS requirement (9.0 vs 15.0). 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.
Wave holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Wave has 3.6K ratings behind it against 1, so its average is the more settled of the two.
TMB PaySecure ships an update every 9 months, Wave fortnightly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.
| Parameter | TMB PaySecure | Wave |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (1 ratings) | 4.6 (3.6K ratings) — better |
| Positive reviews | — | 74.3% of reviews |
| Number of ratings | 1 | 3.6K — better |
| Update frequency | Every 9 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 9.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 76 MB | 59 MB |
| Age rating | 4+ | 4+ |
| Developer | Trust Merchant Bank S.A. | Wave Mobile Money |
Bugs and requests
TMB PaySecure
Not enough reviews yet to summarise bugs or requests.
Wave
Reported bugs
4 issues- Login screen freezes
- Incompatible with older devices
- Delayed or missing fund transfers
- Unexplained account suspensions
Requested features
5 requests- Add more storage/wallet options
- Improve UI/UX for better accessibility
- Integrate with more payment providers
- Provide e-receipts for transactions
- Allow hiding/locking of transactions
In-app purchases
TMB PaySecure
No in-app purchases
Wave
No in-app purchases
