# Rubies vs Nirra

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.

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.

## The numbers

| Metric | Rubies | Nirra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (521 ratings)](https://appshunter.io/ios/app/rubies/id1458430556/reviews)** | [2.3 (16 ratings)](https://appshunter.io/ios/app/nirra/id1566928276/reviews) |
| Number of ratings | **521** | 16 |
| Positive reviews | **75.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Free | Free |
| Size | 96 MB | 23 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [RUBIES MICROFINANCE BANK LIMITED](https://appshunter.io/developer/1458430315) | [Liberta Leasing Limited](https://appshunter.io/developer/1566928278) |

## What reviewers say

### Rubies

[App page](https://appshunter.io/ios/app/rubies/id1458430556)

This app facilitates financial conversations and transactions between individuals and businesses globally. It integrates payments, banking, and lending into a messaging-like interface.

**Highlights:** Financial conversations, Global payments, Banking services, Lending features, Messaging interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Fast and efficient
- 💳 Flexible banking features
- 🥰 Excellent customer service
- 🤩 Innovative app design

**What reviewers complain about**

- 🐛 Occasional app crashes
- 💰 Unreasonable charges
- ⏱️ Slow app performance
- 🤔 Unresponsive customer support
- 🚫 Difficulty with KYC verification

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/nirra/id1566928276)

Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.

**Highlights:** Instant money transfers, Installment shopping, Loan applications, Receive money, Pay bills

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Rubies free?

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

### Is Nirra free?

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

### Which has better reviews, Rubies or Nirra?

Rubies is rated higher. Rubies averages 4.7 out of 5 from 521 ratings, while Nirra averages 2.3 from 16 ratings.

### Do Rubies or Nirra have ads?

Neither Rubies nor Nirra shows ads.

### Which is updated more often, Rubies or Nirra?

Rubies ships an update fortnightly, and Nirra every 2 weeks. Most recently, Rubies was updated on November 2, 2026 and Nirra on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*