Comparison

M36 vs Wealth.ng

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

Head to head
About

M36

Manage your wealth and investments with personalized online products and services. Access loans, travel allowances, and estate planning. Offers a 24/7 digital concierge and investment advisors.

Highlights
  • Personalized investment products
  • Digital concierge service 24/7
  • Investment advisors
  • Loans and asset-backed financing
  • Estate planning services
  • Wealth management by invitation
Features
Read full description

As our world becomes more digitally-connected, there's an increasing need for an innovative, dynamic, and on-demand solution to wealth management needs. M36 by Union Bank is poised to meet this need by delivering personalised online investment products and services. Our suite of tailored investment and lifestyle products and services has been carefully curated to help bring our users closer to their financial goals, M36 . Investments: Whether you're a first time investor, a seasoned professional, or you just want to track your investments more easily, we've got you covered with our simplified, user-friendly app. With our different returns percentages, from Eurobonds to Treasury Bills, we have created a very competitive and responsive platform that allows you to easily choose how you would like to invest, based on each your personalized risk profile. Introducing the Digital Concierge Our digital concierge service is available 24/7 to answer any questions you may have and help with all your investment needs, from building and growing your investment portfolio, to funding your wallet, and so much more. Investment Advisors: Our investment advisors are available to make the most of your investments and actively manage your portfolio if required. Life Essentials: From cash and asset backed loans to personal travel allowance to setting up a will, we’ve created a bouquet of solutions to help you live your best life without compromising your wealth goals. Wealth Management: Enjoy exclusive products and services with our wealth management service. We offer a bespoke service with investment advisors available to manage your investments. Our wealth management proposition is strictly by invitation. Contact our Concierge for more information.  NO deposit fees. NO monthly fees. Bank-level security. Welcome to M36 – the Freedom to Choose!

About

Wealth.ng

Invest in a variety of assets like bonds, stocks, and real estate through an intuitive platform. Simplify your investment journey with flexible payment and withdrawal options, all secured with bank-level protection.

Highlights
  • Invest in bonds, eurobonds, stocks, T-bills
  • Real estate and agriculture investments
  • Intuitive and easy-to-use platform
  • Flexible payment and withdrawal options
  • Bank-level security for funds and information
  • Multiple investment options on one platform
Read full description

Invest in Bonds, Eurobonds, Stocks, Treasury Bills, Real Estate, and Agriculture Invest Now Invest in Bonds, Eurobonds, Stocks, Treasury Bills, Real Estate, and Agriculture. Wealth.ng has products that are suitable for you no matter what kind of investor you are. Investing Made Easy Do away with the convoluted requirements and paperwork; Wealth.ng offers you an intuitive way to invest using a platform that is as easy to use as your social media applications. Let us handle the complicated stuff while you focus on building your wealth for the future. Multiple Investment Options Wealth.ng is Nigeria's first investment marketplace. You no longer have to manage each investment type on a different platform. Wealth.ng offers you rewarding investment options, with competitive returns, across a wide range of asset classes. Flexible Payment and Withdrawal Options Funding your Wealth.ng account is secure and uncomplicated. You can pay using your card or from your bank account. Getting your money out is equally as simple; returns are paid directly into your Wealth.ng cash balance, and you can transfer to any bank account. Bank-level Security We know you want your money to be safe; we do too. Wealth.ng uses industry-standard security measures to ensure that your confidential information is protected, and your funds are always secure. Disclosure Wealth.ng is a product of WealthTech Limited, a subsidiary of Sankore Investments Limited. All investments on Wealth.ng are provided by Sankore Securities, which is regulated by the Securities and Exchange Commission

Screenshots

M364 screens
Wealth.ng4 screens

Verdict

The call

The clearest difference is rating: M36 at 4.0 against Wealth.ng's 3.5. M36 also leads on review sentiment (60% vs 33%). Wealth.ng's advantage is monetization model (free vs ad-supported) and iOS requirement (12.0 vs 16.3). On price, ratings volume, 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

M36 holds the better App Store score, 4.0 against 3.5. Both are backed by a comparable volume of ratings — 7 and 12 respectively. Written reviews point the same way: 60% of M36's written reviews are positive against 33% of Wealth.ng's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on August 15, 2026 and August 27, 2026 respectively.

Scorecard4 real differences · 6 level
M36 versus Wealth.ng: the parameters behind the verdict, then further details
ParameterM36Wealth.ng
PriceFreeFree
Rating4.0 (7 ratings) — better3.5 (12 ratings)
Positive reviews60.0% of reviews — better33.3% of reviews
Number of ratings712 — better
Update frequencyEvery 5 weeksEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.312.0 — better
Further details — not scored
Size210 MB55 MB
Age rating17+4+
DeveloperUnion Bank of Nigeria PlcWealthTech Limited

Customer experience

M36

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews5 reviews
Positive60.0%
Neutral0.0%
Negative40.0%

Wealth.ng

All ratings12 ratings
Positive58.3%
Neutral8.3%
Negative33.3%
Written reviews9 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

In-app purchases

None

M36

No in-app purchases

None

Wealth.ng

No in-app purchases

Questions

Is M36 free?
M36 is free to download, with no in-app purchases.
Is Wealth.ng free?
Wealth.ng is free to download, with no in-app purchases.
Which has better reviews, M36 or Wealth.ng?
M36 is rated higher. M36 averages 4.0 out of 5 from 7 ratings, while Wealth.ng averages 3.5 from 12 ratings.
Do M36 or Wealth.ng have ads?
Neither M36 nor Wealth.ng shows ads.
Which is updated more often, M36 or Wealth.ng?
M36 ships an update every 5 weeks, and Wealth.ng every 5 weeks. Most recently, M36 was updated on August 15, 2026 and Wealth.ng on August 27, 2026.

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