Rubies vs Aku Agents
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
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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.
Aku Agents
This digital banking platform enables seamless transactions and wealth growth through savings and credit access. It transforms mobile phones into PoS terminals, simplifying payments, airtime purchases, and account creation for users and agents across Nigeria.
- Customer deposits and withdrawals
- Instant electronic transfers
- Utility bill payments
- Airtime purchases
- Account creation
- Mobile PoS terminal functionality
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Aku is a digital banking platform that allows customers and traders to transact seamlessly and grow wealth through savings and access to credit. The Aku app provides access to financial services at the base of the pyramid, converting every mobile phone to a PoS terminal. Aku simplifies transactions such as sending and receiving money, buying airtime, and paying for goods and services throughout Nigeria. As an Aku Transacting Agent, you can provide the following banking services: • Customer/trader deposits and withdrawals • Instant electronic transfers • Utility bill payments and airtime purchases • Aku account creation
Screenshots
Verdict
The clearest difference is ads: Rubies at none against Aku Agents's shown. Rubies also leads on ratings volume (522 vs 2) and monetization model (free vs ad-supported). Aku Agents's advantage is review sentiment (100% vs 76%) and rating (5.0 vs 4.7). On price, update cadence, in-app purchases and device support 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.
Aku Agents holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Rubies has 522 ratings behind it against 2, 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 100% of Aku Agents's.
Rubies ships an update fortnightly, Aku Agents every 4 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | Rubies | Aku Agents |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (522 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 75.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 522 — better | 2 |
| Update frequency | Fortnightly — better | Every 4 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 96 MB | 104 MB |
| Age rating | 4+ | 4+ |
| Developer | RUBIES MICROFINANCE BANK LIMITED | Aku Fintech Inc |
Customer experience
Rubies
Aku Agents
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
Aku Agents
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Rubies
No in-app purchases
Aku Agents
No in-app purchases
