Comparison

MTN MoMo SA vs Zeam

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

Head to head
About

MTN MoMo SA

Manage your money easily and securely with this mobile finance app. Send money instantly, pay bills, buy airtime, and make purchases by scanning merchants. Register in minutes and avoid bank queues and carrying cash.

Highlights
  • Secure money storage
  • Instant money transfers
  • Airtime and bundle purchases
  • Merchant payments via scan
  • Bill payments
  • Quick account registration
Features
Read full description

MTN Mobile Money (MoMo) makes managing your money affordable, simple, and secure. MoMo is available for everyone, on any South African cellphone number, and using it is as easy as tapping your phone's screen or keypad! Use the MoMo app to register for a MoMo account in minutes! The future of banking is here - No monthly fees, - No endless queues at the bank, - No carrying cash Here are just some of the striking features of the MoMo app: Safely store money Keep your hard-earned cash safe and secure with our enhanced safety features Send money instantly Send money directly to another MoMo wallet or as a cash voucher to any South African cellphone number Buy airtime and bundles Buy airtime, data, voice and sms bundles at no extra cost – even if you’re not on our network! Pay merchants and shops Simply scan and pay for products and services from a growing number of businesses that have partnered with MoMo Pay your bills Keep your DSTV, prepaid electricity and other account up to date with no hassle Help us by being a part of this early release. Sharing your feedback and suggestions will help us create even better versions of the app in the future. Join the MoMo revolution and take control of your money by downloading the new MTN MoMo app. #Wegotu with MTN MoMo

About

Zeam

This app provides a comprehensive financial ecosystem with tools for payments, grocery shopping, service purchases, and international money transfers. It aims to offer value and support users on their financial journey, especially for those without traditional bank accounts.

Highlights
  • Pay casual workers without bank accounts
  • Shop groceries with ZEAM wallet
  • Purchase airtime and essential services
  • Send money internationally affordably
  • QR code and invoice link payments
Features
Read full description

ZEAM is more than just a financial ecosystem. It's a community that values and includes everyone, providing access to essential financial tools and ensuring unmatched value for all our users. We're here to support you on your financial journey, no matter where you are or what your needs may be. Our pioneering transactional system integrates deep compliance, detailed data capturing, and distributed financial operations at minimal to zero costs. Pay casual workers ZEAM is perfect for employers who have casual workers without bank accounts. Employers can pay workers quickly, while workers can request and receive payments via QR codes or invoice links. It's fast, convenient, and hassle-free. Shop groceries Shop for groceries hassle-free with your ZEAM wallet at participating local and international supermarkets. With our expanding network of supermarket partners across Africa, you can buy in-store or online, whether it's for yourself or your family back home. Buy services Simplify your life by effortlessly purchasing airtime and essential services online for yourself or your loved ones back home. Stay connected and provide support with just a few taps, ensuring everyone stays in touch and cared for. With this convenient service, you can streamline your responsibilities while keeping your family close, no matter where they are. Send money home With ZEAM, sending money across borders is not only simple but also incredibly affordable. Our transparent fee structure and super-low commissions ensure that you save more money with every transfer. You'll always know where your money is going, giving you the confidence and security you need to manage your finances effectively.

Screenshots

MTN MoMo SA4 screens
Zeam4 screens

Verdict

The call

The clearest difference is rating: MTN MoMo SA at 3.5 against Zeam's 1.0. MTN MoMo SA also leads on iOS requirement (9.0 vs 14.0.0). Zeam's advantage is ads (none vs shown) and update cadence (fortnightly vs every 5 months). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

MTN MoMo SA holds the better App Store score, 3.5 against 1.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

MTN MoMo SA ships an update every 5 months, Zeam fortnightly. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

Scorecard5 real differences · 5 level
MTN MoMo SA versus Zeam: the parameters behind the verdict, then further details
ParameterMTN MoMo SAZeam
PriceFreeFree
Rating3.5 (2 ratings) — better1.0 (1 ratings)
Positive reviews—66.7% of reviews
Number of ratings2 — better1
Update frequencyEvery 5 monthsFortnightly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS9.0 — better14.0.0
Further details — not scored
Size28 MB79 MB
Age rating4+17+
DeveloperMTN South Africa (Pty) LTDPaytec Netherlands B.V.

Customer experience

MTN MoMo SA

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Zeam

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews12 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

MTN MoMo SA

No in-app purchases

None

Zeam

No in-app purchases

Questions

Is MTN MoMo SA free?
MTN MoMo SA is free to download, with no in-app purchases.
Is Zeam free?
Zeam is free to download, with no in-app purchases.
Which has better reviews, MTN MoMo SA or Zeam?
MTN MoMo SA is rated higher. MTN MoMo SA averages 3.5 out of 5 from 2 ratings, while Zeam averages 1.0 from 1 ratings.
Do MTN MoMo SA or Zeam have ads?
MTN MoMo SA shows ads; Zeam does not.
Which is updated more often, MTN MoMo SA or Zeam?
MTN MoMo SA ships an update every 5 months, and Zeam fortnightly. Most recently, MTN MoMo SA was updated on November 3, 2026 and Zeam on November 4, 2026.

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