# MTN MoMo vs Secured pay

The clearest difference is rating: Secured pay at 5.0 against MTN MoMo's 3.1. Secured pay also leads on update cadence (fortnightly vs every 4 months). MTN MoMo's advantage is ratings volume (572 vs 1) and device support (3 vs 1). 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.

Secured pay holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: MTN MoMo has 572 ratings behind it against 1, so its average is the more settled of the two.

MTN MoMo ships an update every 4 months, Secured pay fortnightly. The most recent releases landed on September 23, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | MTN MoMo | Secured pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.1 (572 ratings)](https://appshunter.io/ios/app/mtn-momo/id1474080783/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/secured-pay/id6756720444/reviews)** |
| Number of ratings | **572** | 1 |
| Positive reviews | 7.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 21 MB | 67 MB |
| Requires iOS | **10.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [MTN](https://appshunter.io/developer/727555818) | [SECURED PAY LTD](https://appshunter.io/developer/1862483677) |

## 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


### Secured pay

[App page](https://appshunter.io/ios/app/secured-pay/id6756720444)

This platform simplifies and secures international money transfers for individuals and businesses. It offers features like escrow protection, transaction tracking, and receiver confirmation to enhance trust and transparency in global commerce.

**Highlights:** Cross-border transactions, Escrow protection, Receiver confirmation, Transaction tracking, KYC verification, Fraud prevention

**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 Secured pay free?

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

### Which has better reviews, MTN MoMo or Secured pay?

Secured pay is rated higher. MTN MoMo averages 3.1 out of 5 from 572 ratings, while Secured pay averages 5.0 from 1 ratings.

### Do MTN MoMo or Secured pay have ads?

Neither MTN MoMo nor Secured pay shows ads.

### Which is updated more often, MTN MoMo or Secured pay?

MTN MoMo ships an update every 4 months, and Secured pay fortnightly. Most recently, MTN MoMo was updated on September 23, 2026 and Secured pay on September 14, 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.*