Rubies vs Nirra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rubies
This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.
- Financial conversations
- Global payments
- Banking services
- Lending features
- Messaging interface
Read full descriptionHide full description
Rubies is curated to power financial conversations between friends and brands across geographies. Payments, Banking and Lending in the way you send and receive messages.
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
Read full descriptionHide full description
Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Screenshots
Verdict
The clearest difference is review sentiment: Rubies at 76% against Nirra's 0%. Rubies also leads on rating (4.7 vs 2.3) and ratings volume (521 vs 16). Nirra's advantage is iOS requirement (13.0 vs 15.1). On price, update cadence, 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.
Rubies holds the better App Store score, 4.7 against 2.3. That said, the two scores are not equally well evidenced: Rubies has 521 ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 76% of Rubies's written reviews are positive against 0% of Nirra's.
Rubies ships an update fortnightly, Nirra every 2 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | Rubies | Nirra |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (521 ratings) — better | 2.3 (16 ratings) |
| Positive reviews | 75.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 521 — better | 16 |
| Update frequency | Fortnightly — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 96 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | RUBIES MICROFINANCE BANK LIMITED | Liberta Leasing Limited |
Customer experience
Rubies
Nirra
Bugs and requests
Rubies
Reported bugs
5 issues- Insufficient funds error despite adequate balance
- Login screen freezes
- Incompatibility with older devices
- Inability to add BVN
- OTP not being sent for password reset
Requested features
5 requests- Improve chat feature functionality
- Expand availability to non-Nigerian users
- Add dark mode option
- Enhance in-app security measures
- Streamline debit card request process
Nirra
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Rubies
No in-app purchases
Nirra
No in-app purchases
