M36 vs Kegow Wallet
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!
Kegow Wallet
Manage your finances on the go with this mobile wallet. Fund your account, pay bills, buy airtime, and transfer money to friends. It also allows for payments for goods and services, with options to cash out via agents or fund your wallet using a card.
- Fund wallet via card
- Pay bills
- Purchase airtime
- Transfer money to friends
- Pay for goods and services
- Cash out via agents
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Kegow Mobile Wallet is a mobile wallet that you can fund and use to pay bills and purchase airtime. You can also transfer money to your friends and use it to pay for goods and services. You can transfer to agents and get your cash out, and you can fund your wallet via a card.
Screenshots
Verdict
The clearest difference is review sentiment: Kegow Wallet at 100% against M36's 60%. Kegow Wallet also leads on rating (4.5 vs 4.0) and monetization model (free vs ad-supported). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Kegow Wallet holds the better App Store score, 4.5 against 4.0. Both are backed by a comparable volume of ratings — 7 and 6 respectively. Written reviews point the same way: 60% of M36's written reviews are positive against 100% of Kegow Wallet's.
M36 ships an update every 5 weeks, Kegow Wallet every 2 months. Both last shipped on October 12, 2026.
| Parameter | M36 | Kegow Wallet |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (7 ratings) | 4.5 (6 ratings) — better |
| Positive reviews | 60.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 — better | 6 |
| Update frequency | Every 5 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.3 | 16.0 — better |
| Further details — not scored | ||
| Size | 210 MB | 91 MB |
| Age rating | 17+ | 17+ |
| Developer | Union Bank of Nigeria Plc | Chamsmobile Limited |
Customer experience
M36
Kegow Wallet
In-app purchases
M36
No in-app purchases
Kegow Wallet
No in-app purchases
