Comparison

Octa. vs Nirra

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Octa.

Features
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Octa – Save and Invest Smartly Octa is a web and app-based savings and investment solution. Octa allows you automate your savings and investment towards a financially rewarding future. Octa guarantees you returns of up to 12% on savings and 18% on investments respectively. Welcome to smart savings. With Octa, you can: • Automate savings and investment Set up your automatic savings daily, weekly or monthly at schedules that fit your purse or lifestyle. • Invest in various instruments You don’t need millions to start investing. Invest in any investment instrument of your choice and get higher returns on investments at up to 18%. Available investment are always stated in the app. • Save towards one or multiple goals Octa makes financial goal setting simple by taking the stress of discipline and strictness off you. Octa is your best bet when you have multiple goals you want to achieve. • Save at your own terms: No lock, no frills Octa does not have a lock feature currently. We believe you should be free to determine what you want to do with your money and we also want to gain your trust. All withdrawals are at no charge. • Created with you in mind Octa is specifically designed for young and forward-thinking minds who are not afraid to explore new things. • Security We do not store your money or data. All transactions are done via a third-party payment gateway and your funds are managed by Page Financials, our parent company. Setting Up Octa Using Octa is easy and straight forward. • The first step after downloading is to register with your name, email and BVN connected phone number. • Next is to add a card from which you can then use to fund your savings or investment. • Then you can create a savings target or choose the investment option of your choice (when available). • Why BVN? BVN is a requirement by CBN as part of the KYC (Know Your Customer) process that helps us ensure no fraudulent practice occurs to your funds. Submitting your BVN is safe and secure as we’re safety conscious and regulated by relevant finance regulators. WITHDRAWALS AND CHARGES Octa does not charge deposit fees, SMS charges, monthly charge fees or withdrawal fees. You simply enjoy #ZeroCharge on any transaction on the app. New Offerings • At Octa, we are always innovating to find ways to deliver more value to you. We will notify you of any new offering via mail, our blog and social media channels. 24/7 Customer Support We can be reached via our contact us page. We look forward to delighting you. Reviews We value feedbacks in form of reviews, comments and ratings. Our goal is to create a product that meets your needs conveniently.

About

Nirra

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
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.

Screenshots

Octa.4 screens
Nirra4 screens

Verdict

The call

The clearest difference is iOS requirement: Octa. at 9.0 against Nirra's 13.0. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 26, 2026 and August 13, 2026 respectively.

Scorecard1 real difference · 9 level
Octa. versus Nirra: the parameters behind the verdict, then further details
ParameterOcta.Nirra
PriceFreeFree
Rating—2.2 (17 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—17 — better
Update frequencyEvery 2 weeksEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better13.0
Further details — not scored
Size20 MB23 MB
Age rating4+4+
DeveloperPage International Financial Company LimitedLiberta Leasing Limited

In-app purchases

None

Octa.

No in-app purchases

None

Nirra

No in-app purchases

Questions

Is Octa. free?
Octa. is free to download, with no in-app purchases.
Is Nirra free?
Nirra is free to download, with no in-app purchases.
Do Octa. or Nirra have ads?
Neither Octa. nor Nirra shows ads.
Which is updated more often, Octa. or Nirra?
Octa. ships an update every 2 weeks, and Nirra every 2 weeks. Most recently, Octa. was updated on September 26, 2026 and Nirra on August 13, 2026.

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