# MTN MoMo vs 2Pay

The clearest difference is review sentiment: 2Pay at 100% against MTN MoMo's 8%. 2Pay also leads on rating (4.1 vs 3.1) and update cadence (monthly vs every 4 months). MTN MoMo's advantage is ratings volume (572 vs 9) and iOS requirement (10.0 vs 15.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

2Pay holds the better App Store score, 4.1 against 3.1. That said, the two scores are not equally well evidenced: MTN MoMo has 572 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 8% of MTN MoMo's written reviews are positive against 100% of 2Pay's.

MTN MoMo ships an update every 4 months, 2Pay monthly. The most recent releases landed on October 15, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | MTN MoMo | 2Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (572 ratings)](https://appshunter.io/ios/app/mtn-momo/id1474080783/reviews) | **[4.1 (9 ratings)](https://appshunter.io/ios/app/2pay/id6478923230/reviews)** |
| Number of ratings | **572** | 9 |
| Positive reviews | 7.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | Free |
| Size | 21 MB | 59 MB |
| Requires iOS | **10.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MTN](https://appshunter.io/developer/727555818) | [2Pay limited](https://appshunter.io/developer/1734437000) |

## What reviewers say

### MTN MoMo

[App page](https://appshunter.io/ios/app/mtn-momo/id1474080783)

Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.

**Highlights:** Send money to friends and family, Top up airtime, Purchase bundles, Pay bills, Pay merchants, Manage money

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Useful for money transfers
- 💡 Suggestion for resending from transaction history
- 👍 Decent app interface and design

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔒 Security issues with saved login details
- 🔍 Difficult to log in and register
- 🚫 Restricted to only MTN data, not compatible with WiFi
- 💰 High transaction fees

**Reported bugs**

- App not working on iOS 16
- Incorrect pin errors
- Unable to log in or register
- Fails to send OTP codes
- Deducts money without completing transactions

**Requested features**

- Add ability to cancel scheduled transfers
- Expand bank integration for transfers
- Improve security with biometric login
- Allow usage on WiFi networks
- Reduce transaction fees


### 2Pay

[App page](https://appshunter.io/ios/app/2pay/id6478923230)

Send money to loved ones quickly and affordably with this finance app. Register, select an amount, and enter recipient details for international transfers. Avoid long waits and poor exchange rates for a better money transfer experience.

**Highlights:** Fast money transfers, Affordable international sending, Simple registration process, Recipient details entry, Avoids lengthy waiting periods, Favorable exchange rates

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MTN MoMo free?

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

### Is 2Pay free?

2Pay is free to download, with no in-app purchases.

### Which has better reviews, MTN MoMo or 2Pay?

2Pay is rated higher. MTN MoMo averages 3.1 out of 5 from 572 ratings, while 2Pay averages 4.1 from 9 ratings.

### Do MTN MoMo or 2Pay have ads?

Neither MTN MoMo nor 2Pay shows ads.

### Which is updated more often, MTN MoMo or 2Pay?

MTN MoMo ships an update every 4 months, and 2Pay monthly. Most recently, MTN MoMo was updated on October 15, 2026 and 2Pay on October 7, 2026.

---

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