M36 vs Fundall
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Personalized investment products
- Digital concierge service 24/7
- Investment advisors
- Loans and asset-backed financing
- Estate planning services
- Wealth management by invitation
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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!
Fundall
Manage, spend, and grow your money with a unified digital financial platform. Enjoy seamless transactions, earn interest on savings, and access investment products. This app simplifies your financial life by consolidating services and offering rewards.
- Earn interest on savings
- Budgeting and spending tracker
- Referral rewards
- Zero-cost Fundaller to Fundaller transfers
- Virtual dollar card for online payments
- Save on spending
- Accumulate reward points
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Fundall is a personalised digital financial platform that makes spending, managing and growing your money simple, safe, and secure. We allow individuals and businesses to handle all things money in one place and access investment products and services. Our seamless and easy-to-use platform allows customers to enjoy wholesome financial services without having to sign up on multiple platforms, risk their security, or bother about transaction charges when moving funds from one platform to another. Fundall is duly registered with the Corporate Affairs Commission, Nigeria, with a physical office at The Abebi, 23B Tinubu Close, Off Coker Road, Ilupeju, Lagos. Its savings and loans scheme is duly registered under the Co-operative Societies Laws of Lagos State Here’s all you can achieve on the Fundall app: Earn amazing interest on your savings. Take full control of your spending habit with our budget tool and spending tracker. Make money every time you refer your friends to the Fundall app. Transfer from Fundaller to Fundaller at zero cost. Shop online and across the world and pay for subscriptions using our virtual dollar card. Save up to 20% every time you spend on the Fundall app. Accumulate reward points when you make a transaction on Fundall. We are on a mission to provide Africans and the world's unbanked with a single platform to access all financial services.
Screenshots
Verdict
The clearest difference is rating: Fundall at 4.4 against M36's 4.0. Fundall also leads on ratings volume (87 vs 7) and monetization model (free vs ad-supported). M36's advantage is review sentiment (60% vs 38%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Fundall holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Fundall has 87 ratings behind it against 7, so its average is the more settled of the two. Written reviews complicate that: 60% of M36's written reviews are positive against 38% of Fundall's, so the app with the better star average is not the one people write more warmly about.
M36 ships an update every 5 weeks, Fundall monthly. The most recent releases landed on October 12, 2026 and October 18, 2026 respectively.
| Parameter | M36 | Fundall |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (7 ratings) | 4.4 (87 ratings) — better |
| Positive reviews | 60.0% of reviews — better | 37.5% of reviews |
| Number of ratings | 7 | 87 — better |
| Update frequency | Every 5 weeks | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.3 | 13.0 — better |
| Further details — not scored | ||
| Size | 210 MB | 145 MB |
| Age rating | 17+ | 4+ |
| Developer | Union Bank of Nigeria Plc | Fundall Company Limited |
Customer experience
M36
Fundall
In-app purchases
M36
No in-app purchases
Fundall
No in-app purchases









