M36 vs Monicredit
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!
Monicredit
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Introducing the Monicredit Financial Mobile Application—a revolutionary solution designed to transform the way you manage your finances, offering a seamless and convenient experience right at your fingertips. We understand the challenges that come with financial management, and our app is specifically crafted to simplify and enhance every aspect of your financial journey. With its sleek and user-friendly interface, the Monicredit app empowers you to take complete control of your financial life with ease. Our robust features are meticulously designed to streamline your financial tasks, making them effortless and efficient. One of the standout features of our app is its real-time tracking capabilities. Gone are the days of manually logging your transactions and painstakingly updating your financial records. With Monicredit, you can effortlessly monitor your income and expenses in real-time. This means that at any given moment, you have a clear and accurate snapshot of your financial health. This real-time tracking empowers you to make informed decisions and adjust your spending habits accordingly, ultimately leading to better financial outcomes. To provide you with valuable insights into your financial patterns and behaviors, our app offers comprehensive categorization and insightful visualizations. Through these powerful tools, you can easily understand your spending habits, identify areas where you can save, and set realistic budgets to achieve your financial goals. The visual representations make it a breeze to comprehend where your money is going, allowing you to make necessary adjustments and stay on track. But that's not all—Monicredit takes personalization to the next level. Our app allows you to set personalized budgets tailored to your specific financial goals. Whether you're aiming to save for a down payment on a house, pay off debt, or plan for a dream vacation, Monicredit provides the necessary tools to set and track your progress towards these goals. Our intelligent notifications keep you informed when you're approaching your budget limits or when you've achieved a significant financial milestone, motivating you to stay on top of your financial game. We understand that security is of utmost importance when it comes to managing your finances. Rest assured, Monicredit has implemented state-of-the-art encryption and authentication measures to ensure that your financial data remains safe and confidential. Your sensitive information is protected at all times, giving you peace of mind as you manage your financial affairs. But the Monicredit app doesn't stop at basic financial tracking—it goes above and beyond. We've included a range of advanced features to further elevate your financial management experience. Set bill reminders, so you never miss a payment again. Schedule payments conveniently, avoiding late fees and maintaining an organized financial life. For those interested in investments, our app enables you to track your investment performance and manage your portfolio effectively, all within a single platform. In summary, the Monicredit Financial Mobile Application is your ultimate companion for managing your finances efficiently. It simplifies the complex tasks of tracking income, expenses, and budgets, providing you with actionable insights and powerful tools to achieve your financial goals. With our unwavering commitment to security, advanced features like bill reminders and investment tracking, and a user-centric design, Monicredit empowers you on your financial journey like never before. Don't wait—download our app today and experience the freedom, peace of mind, and boundless possibilities that come with effortless financial management.
Screenshots
Verdict
The clearest difference is device support: Monicredit at 3 against M36's 1. 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.
M36 ships an update every 5 weeks, Monicredit every 6 weeks. The most recent releases landed on August 15, 2026 and September 9, 2026 respectively.
| Parameter | M36 | Monicredit |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (7 ratings) — better | — |
| Positive reviews | 60.0% of reviews | — |
| Number of ratings | 7 — better | — |
| Update frequency | Every 5 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.3 | 15.5 — better |
| Further details — not scored | ||
| Size | 210 MB | 106 MB |
| Age rating | 17+ | 17+ |
| Developer | Union Bank of Nigeria Plc | Autocredit Technology Solutions |
In-app purchases
M36
No in-app purchases
Monicredit
No in-app purchases









