# M36 vs Kegow Wallet

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.

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.

## The numbers

| Metric | M36 | Kegow Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (7 ratings)](https://appshunter.io/ios/app/m36/id1473487545/reviews) | **[4.5 (6 ratings)](https://appshunter.io/ios/app/kegow-wallet/id1607236016/reviews)** |
| Number of ratings | **7** | 6 |
| Positive reviews | 60.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 210 MB | 91 MB |
| Requires iOS | 16.3 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 17+ | 17+ |
| Developer | [Union Bank of Nigeria Plc](https://appshunter.io/developer/950990898) | [Chamsmobile Limited](https://appshunter.io/developer/1607236018) |

## What reviewers say

### M36

[App page](https://appshunter.io/ios/app/m36/id1473487545)

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:** Vision Pro support

**In-app purchases:** none


### Kegow Wallet

[App page](https://appshunter.io/ios/app/kegow-wallet/id1607236016)

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.

**Highlights:** Fund wallet via card, Pay bills, Purchase airtime, Transfer money to friends, Pay for goods and services, Cash out via agents

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is M36 free?

M36 is free to download, with no in-app purchases.

### Is Kegow Wallet free?

Kegow Wallet is free to download, with no in-app purchases.

### Which has better reviews, M36 or Kegow Wallet?

Kegow Wallet is rated higher. M36 averages 4.0 out of 5 from 7 ratings, while Kegow Wallet averages 4.5 from 6 ratings.

### Do M36 or Kegow Wallet have ads?

Neither M36 nor Kegow Wallet shows ads.

### Which is updated more often, M36 or Kegow Wallet?

M36 ships an update every 5 weeks, and Kegow Wallet every 2 months. Most recently, M36 was updated on October 12, 2026 and Kegow Wallet on October 12, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*