PenSmart vs 78 MFB
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PenSmart
This app provides pension fund administration services in Nigeria. It is licensed to manage pensions and disburse retirement benefits according to the Pension Reform Act 2014, aiming to offer clients hope for a secure financial future.
- Pension fund administration
- Retirement benefit payments
- Compliance with Pension Reform Act 2014
- Financial future planning
- Client-focused services
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NLPC Pensions (NLPC PFA) is the home of tested, trusted and effective pension fund administration in Nigeria. Licensed to administer pensions and pay retirement benefits in accordance with the Pension Reform Act 2014, we delight our clients by creating hope for a better and brighter tomorrow.
78 MFB
Manage your finances with a global banking app. Open savings and current accounts, make swift money transfers, and pay bills effortlessly. Schedule payments in advance and handle bulk transactions with ease.
- Savings and Current Accounts
- Swift Money Transfers
- Effortless Bills Payment
- Scheduled Payments
- Bulk Payments
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Welcome to 78 MFB – One global bank, every way your money moves! * Unlock Savings and Current Accounts * Swift Money Transfers * Effortless Bills Payment. * Never Miss a payment: schedule it and forget it! * Bulk Payments Made Easy We require location update capability to set up geofences around the designated location. This enables us to receive location updates in the background whenever the users enter or exit their created digital addresses. Over time, we can verify residency.
Screenshots
Verdict
The clearest difference is rating: 78 MFB at 3.8 against PenSmart's 3.0. 78 MFB also leads on update cadence (every 9 days vs every 5 weeks) and ratings volume (38 vs 1). PenSmart's advantage is iOS requirement (12.0 vs 15.6). 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.
78 MFB holds the better App Store score, 3.8 against 3.0. That said, the two scores are not equally well evidenced: 78 MFB has 38 ratings behind it against 1, so its average is the more settled of the two.
PenSmart ships an update every 5 weeks, 78 MFB every 9 days. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | PenSmart | 78 MFB |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (1 ratings) | 3.8 (38 ratings) — better |
| Positive reviews | — | 52.9% of reviews |
| Number of ratings | 1 | 38 — better |
| Update frequency | Every 5 weeks | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 38 MB | 124 MB |
| Age rating | 4+ | 12+ |
| Developer | NLPC PFA | BLAAIZ INNOVATIONS TECHNOLOGY LTD |
Customer experience
PenSmart
78 MFB
In-app purchases
PenSmart
No in-app purchases
78 MFB
No in-app purchases
