# TMB PaySecure vs Wave

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.

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.

## The numbers

| Metric | TMB PaySecure | Wave |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (1 ratings)](https://appshunter.io/ios/app/tmb-paysecure/id1444744056/reviews) | **[4.6 (3.6K ratings)](https://appshunter.io/ios/app/wave-mobile-money/id1523884528/reviews)** |
| Number of ratings | 1 | **3.6K** |
| Positive reviews | — | 74.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 76 MB | 59 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Trust Merchant Bank S.A.](https://appshunter.io/developer/1337049806) | [Wave Mobile Money](https://appshunter.io/developer/1523884530) |

## What reviewers say

### TMB PaySecure

[App page](https://appshunter.io/ios/app/tmb-paysecure/id1444744056)

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.

**Highlights:** Two-factor authentication, Soft token security, Passcode/PIN protection, Generates single-use PINs, Protects sensitive data

**Features:** macOS Compatibility

**In-app purchases:** none


### Wave

[App page](https://appshunter.io/ios/app/wave-mobile-money/id1523884528)

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.

**Highlights:** Send money at 1%, Free deposits and withdrawals, Fee-free bill payments, Buy airtime for all networks, Toll-free customer support

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 🔒 Secure and reliable
- 👍 User-friendly interface
- 💰 Free money transfers
- 🤑 Affordable fees

**What reviewers complain about**

- 🐛 Occasional crashes and bugs
- 🤖 Poor customer service
- 💳 Lack of international payment options
- 🔍 Difficulty finding account details
- 🙈 Lack of privacy/transaction visibility

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Delayed or missing fund transfers
- Unexplained account suspensions

**Requested features**

- 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


## Frequently asked questions

### Is TMB PaySecure free?

TMB PaySecure is free to download, with no in-app purchases.

### Is Wave free?

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

### Which has better reviews, TMB PaySecure or Wave?

Wave is rated higher. TMB PaySecure averages 4.0 out of 5 from 1 ratings, while Wave averages 4.6 from 3.6K ratings.

### Do TMB PaySecure or Wave have ads?

Neither TMB PaySecure nor Wave shows ads.

### Which is updated more often, TMB PaySecure or Wave?

TMB PaySecure ships an update every 9 months, and Wave fortnightly. Most recently, TMB PaySecure was updated on November 2, 2026 and Wave on November 7, 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.*