Mintyn vs Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mintyn
Manage all your finances in one place. Send and receive money, pay bills, shop, invest, and save. Offers free current accounts for individuals and businesses, plus tools for expense tracking and cardless withdrawals.
- Free current accounts
- Send and receive money
- Pay bills
- Shop for groceries and food
- Invest and save
- Expense tracking analytics
- Cardless ATM withdrawals
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About Mintyn. Mintyn Bank - Everything finance One app for everything finance; Send and receive money, pay bills, Gift your loved ones shopping voucher, shop for groceries and food supplies, invest and save for life emergencies. Features Free current account for individual Free current account for Solo business, Enterprise, and incorporated Trustees. Incorporate your business with CAC Apply for Tax Identification Number (TIN) Shop for food items and groceries Invest in risk free investment plan Save for emergency and earn decent interest Fund your betting wallet Purchase data bundle at ease Purchase airtime Book flight at ease Cardless Withdrawal; withdraw cash at ATM without card Analytics for expense tracking. Request Expense debit card. Privacy Policies and Security. We collect and process your information in accordance to Nigerian Data Protection Regulation (NDPR) guideline which are for; contractual & Legal duty, Legitimate interest, public interest, and vital interest or consent. As such your information are protected and can not be transferred to third party, except we are legally required. Mintyn Bank is Insured by Nigerian Deposit Insurance Corporation (NDIC) as such your deposit is save. Mintyn Bank is PCI DSS Certified. Mintyn bank is a product of Finex Microfinance bank; license by Central Bank of Nigeria (CBN)
Pay
This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.
- Pay-per-minute insurance
- Comprehensive motor coverage
- Affordable insurance options
- Flexible payment plans
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Pay-U allows you to pay for comprehensive motor insurance on a per minute basis.
Screenshots
Verdict
Mintyn and Pay both sit at 4.4 stars, but that hides the real split: 100% of Pay's written reviews are positive against 46% of Mintyn's. Pay also leads on iOS requirement (12.0 vs 15.0). Mintyn's advantage is ratings volume (334 vs 2). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 4.4 for Mintyn against 4.5 for Pay. That said, the two scores are not equally well evidenced: Mintyn has 334 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 46% of Mintyn's written reviews are positive against 100% of Pay's.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 17, 2026 and October 4, 2026 respectively.
| Parameter | Mintyn | Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (334 ratings) | 4.5 (2 ratings) — better |
| Positive reviews | 46.2% of reviews | 100.0% of reviews — better |
| Number of ratings | 334 — better | 2 |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 113 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Mint Financial Technology Service | Pay-U Technologies LLC |
Customer experience
Mintyn
Pay
Bugs and requests
Mintyn
Reported bugs
7 issues- Balance display shows XXXXX.XX instead of actual amount
- Eye logo to reveal balance is unresponsive
- App crashes during registration
- Network connection errors preventing login
- Transfer and payment processing failures
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- App freezes and stops responding
- Maintenance without user notification
Requested features
4 requests- Add more financial institutions to transaction list (e.g., Carbon bank)
- ATM card functionality
- Call/phone support option
- Better weekend support
Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Mintyn
No in-app purchases
Pay
No in-app purchases
