Comparison

M36 vs Fundall

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

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.

Highlights
  • 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
Features
Read full description

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

M364 screens
Fundall4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

M36 ships an update every 5 weeks, Fundall monthly. The most recent releases landed on October 12, 2026 and October 18, 2026 respectively.

Scorecard6 real differences · 4 level
M36 versus Fundall: the parameters behind the verdict, then further details
ParameterM36Fundall
PriceFreeFree
Rating4.0 (7 ratings)4.4 (87 ratings) — better
Positive reviews60.0% of reviews — better37.5% of reviews
Number of ratings787 — better
Update frequencyEvery 5 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.313.0 — better
Further details — not scored
Size210 MB145 MB
Age rating17+4+
DeveloperUnion Bank of Nigeria PlcFundall Company Limited

Customer experience

M36

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

Fundall

All ratings87 ratings
Positive81.6%
Neutral9.2%
Negative9.2%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

In-app purchases

None

M36

No in-app purchases

None

Fundall

No in-app purchases

Questions

Is M36 free?
M36 is free to download, with no in-app purchases.
Is Fundall free?
Fundall is free to download, with no in-app purchases.
Which has better reviews, M36 or Fundall?
Fundall is rated higher. M36 averages 4.0 out of 5 from 7 ratings, while Fundall averages 4.4 from 87 ratings.
Do M36 or Fundall have ads?
Neither M36 nor Fundall shows ads.
Which is updated more often, M36 or Fundall?
M36 ships an update every 5 weeks, and Fundall monthly. Most recently, M36 was updated on October 12, 2026 and Fundall on October 18, 2026.

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