Comparison

MTN MoMo vs Kwikx

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MTN MoMo

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
Read full description

Welcome to the world of MoMo. With MoMo you can send money to friends & family, topup airtime, purchase bundles, pay your bills, merchants and much more. It's a one-stop shop for everything you need. MoMo makes it easy to keep track of your money. You can use MoMo services to manage your money..

About

Kwikx

Features
Read full description

KwikX is a cross-border payment app built for fast, affordable transfers between Nigeria and West Africa. Convert multiple currencies in one app — Nigerian Naira (NGN), CFA Franc (XOF), and USDT. SEND & RECEIVE ACROSS BORDERS Transfer NGN to CFA or CFA to NGN in minutes. Send to mobile money wallets (MTN, Wave, Moov, Orange) or bank accounts across Benin, Senegal, Ivory Coast, Cameroon, and Nigeria. MULTI-CURRENCY WALLET Fund your NGN wallet via bank transfer. Fund your CFA wallet via mobile money. Hold USDT for stability. Swap between currencies directly inside the app at real-time rates. LOW, TRANSPARENT FEES See the exact fees and exchange rate before you confirm. No hidden charges. The rate you see is the rate you get. FAST & SECURE Every transaction is protected with PIN verification, biometric authentication, and encrypted communications. KwikX uses licensed payment providers for all deposits and payouts. REAL-TIME TRACKING Follow your transfer from start to finish with live status updates. Get instant push notifications when your money is sent, received, or exchanged. Download receipts for every transaction. IDENTITY VERIFICATION Complete KYC verification in minutes using biometric ID checks. Higher verification tiers unlock increased transaction limits. IN-APP SUPPORT Chat with our support team directly inside the app. Get help with transactions, account questions, or anything else — no email required. KEY FEATURES • NGN, CFA, and USDT wallets in one app • Cross-border exchanges between Nigeria and West Africa • Mobile money payouts (MTN, Wave, Moov, Orange) • Bank transfer payouts to Nigerian banks • Real-time exchange rates • Instant push notifications and receipts • PIN and biometric security • Tiered KYC with biometric verification • In-app live chat support • Available in English and French KwikX is designed for the African diaspora, traders, freelancers, and families who need a reliable way to move money across borders without delays or excessive fees. Download KwikX and start sending money today.

Screenshots

MTN MoMo4 screens
Kwikx4 screens

Verdict

The call

The clearest difference is update cadence: Kwikx at monthly against MTN MoMo's every 4 months. MTN MoMo's advantage is iOS requirement (10.0 vs 15.0). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

MTN MoMo ships an update every 4 months, Kwikx monthly. The most recent releases landed on October 20, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
MTN MoMo versus Kwikx: the parameters behind the verdict, then further details
ParameterMTN MoMoKwikx
PriceFreeFree
Rating3.1 (572 ratings) — better—
Positive reviews7.7% of reviews—
Number of ratings572 — better—
Update frequencyEvery 4 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS10.0 — better15.0
Further details — not scored
Size21 MB93 MB
Age rating4+4+
DeveloperMTNCrownphix Technologies LTD

Bugs and requests

MTN MoMo

Reported bugs

5 issues
  • 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

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

Kwikx

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MTN MoMo

No in-app purchases

None

Kwikx

No in-app purchases

Questions

Is MTN MoMo free?
MTN MoMo is free to download, with no in-app purchases.
Is Kwikx free?
Kwikx is free to download, with no in-app purchases.
Do MTN MoMo or Kwikx have ads?
Neither MTN MoMo nor Kwikx shows ads.
Which is updated more often, MTN MoMo or Kwikx?
MTN MoMo ships an update every 4 months, and Kwikx monthly. Most recently, MTN MoMo was updated on October 20, 2026 and Kwikx on October 10, 2026.

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