Baines Credit vs Wayabank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Baines Credit
Manage your finances with ease. Check account balances, view statements, and perform transactions like airtime recharge and bill payments. Facilitates inter- and intra-bank transfers and card requests.
- Check account balance
- View account statement
- Airtime recharge
- Bill payments
- Inter-bank transfer
- Intra-bank transfer
- Card request
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FEATURES - Check Account balance - View Account statement - Airtime Recharge - Bills Payment e.g. DSTv, GoTv, PHCN - Inter-bank Transfer - Intra-bank Transfer - Card Request
Wayabank
Manage your finances with a secure digital banking solution. Easily send and receive money using just a phone number or email. Pay bills, top up data, and transfer funds to other banks.
- Send and receive money
- Transfer to phone number or email
- Withdraw to other banks
- Bill payments (Airtime, Data, Utility)
- Secure digital banking
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Easy, Fast and Safe way to send and receive money. You can receive money into your accounts by transfer to just your phone number or email. You can also withdraw money from your wayabank account to your other banks. You can make bills payment such as; Airtime, Data, Utility, Betting etc.
Screenshots
Verdict
The clearest difference is rating: Baines Credit at 5.0 against Wayabank's 3.3. Wayabank's advantage is update cadence (every 6 days vs every 6 weeks). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Baines Credit holds the better App Store score, 5.0 against 3.3. Both are backed by a comparable volume of ratings — 2 and 4 respectively.
Baines Credit ships an update every 6 weeks, Wayabank every 6 days. Both last shipped on November 3, 2026.
| Parameter | Baines Credit | Wayabank |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 3.3 (4 ratings) |
| Positive reviews | — | 50.0% of reviews |
| Number of ratings | 2 | 4 — better |
| Update frequency | Every 6 weeks | Every 6 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 — better | 15.6 |
| Further details — not scored | ||
| Size | 108 MB | 94 MB |
| Age rating | 4+ | 4+ |
| Developer | Baines Credit Microfinance Bank | WAYA MULTI LINK TECHNOLOGY LTD |
Customer experience
Baines Credit
Wayabank
In-app purchases
Baines Credit
No in-app purchases
Wayabank
No in-app purchases
