# MTN MoMo vs SafulPay

The clearest difference is review sentiment: SafulPay at 100% against MTN MoMo's 8%. SafulPay also leads on rating (5.0 vs 3.1) and update cadence (monthly vs every 4 months). MTN MoMo's advantage is ratings volume (592 vs 1) and iOS requirement (10.0 vs 14.0.0). 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.

SafulPay holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: MTN MoMo has 592 ratings behind it against 1, 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 SafulPay's.

MTN MoMo ships an update every 4 months, SafulPay monthly. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | MTN MoMo | SafulPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (592 ratings)](https://appshunter.io/ios/app/mtn-momo/id1474080783/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/safulpay/id6480344064/reviews)** |
| Number of ratings | **592** | 1 |
| 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 | 64 MB |
| Requires iOS | **10.0** | 14.0.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [MTN](https://appshunter.io/developer/727555818) | [TECH'N GOODWILL (T&G) LIMITED](https://appshunter.io/developer/1726164890) |

## 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


### SafulPay

[App page](https://appshunter.io/ios/app/safulpay/id6480344064)

Manage your finances with instant transactions and bill payments. This app offers multiple wallet options and top-tier security for all users in Sierra Leone.

**Highlights:** Instant money transfers, Manage up to 5 wallets, Secure, encrypted transactions, Link mobile wallets and cards, Bill payment functionality

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MTN MoMo free?

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

### Is SafulPay free?

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

### Which has better reviews, MTN MoMo or SafulPay?

SafulPay is rated higher. MTN MoMo averages 3.1 out of 5 from 592 ratings, while SafulPay averages 5.0 from 1 ratings.

### Do MTN MoMo or SafulPay have ads?

Neither MTN MoMo nor SafulPay shows ads.

### Which is updated more often, MTN MoMo or SafulPay?

MTN MoMo ships an update every 4 months, and SafulPay monthly. Most recently, MTN MoMo was updated on October 29, 2026 and SafulPay on October 23, 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.*