Comparison

FirstMonie vs Smart Wallet Data and Airtime

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

Head to head
About

FirstMonie

Manage your finances with a digital banking account. Open an account, send and receive money, pay bills, buy airtime, and save towards your goals. Offers secure access, multilingual support, and convenient funding options.

Highlights
  • Digital account opening
  • Send and receive money
  • Bill payments
  • Airtime and data purchases
  • Savings plans
  • Transaction tracking
  • Account management dashboard
Features
Read full description

Experience a smarter way to bank and manage your money with FirstMonie, FirstBank's next-generation digital financial account. Built for convenience, security, and financial inclusion, FirstMonie gives you access to everyday banking services directly from your mobile device. Why Choose FirstMonie? Open Your Account in Minutes Open your FirstMonie account using your mobile number Complete digital onboarding with real-time identity verification Upgrade to higher account tiers through self-service options Access multilingual support in English, French, and Simplified Chinese Secure and Reliable Access Secure login with PIN, biometrics, and device authentication Enhanced protection through OTP verification Self-service account recovery and reactivation Advanced transaction monitoring and fraud prevention controls Add Money Conveniently Fund your FirstMonie account through multiple channels: Bank transfers Debit card funding Linked bank accounts USSD payments QR payments Cash deposits through approved channels Quick account number sharing and copy functionality Send and Receive Money Instantly Transfer funds instantly to banks and supported accounts Receive money directly into your FirstMonie account Get real-time transaction notifications Enjoy secure transaction authorization and confirmation Buy Airtime and Data Purchase airtime for yourself or others Buy data bundles across supported mobile networks Repeat transactions quickly using saved beneficiaries and transaction history Pay Bills Easily Electricity Cable TV subscriptions Internet services Education payments Utility services Grow Your Finances with Built-in Savings Capabilities Create and manage savings plans Save towards personal financial goals Monitor balances and savings progress in real time Access savings services directly within the app Track Your Finances View account balances in real time Access complete transaction history Download account statements Monitor spending and account activity Receive instant transaction confirmations and updates Manage Your Account from a Single Dashboard Update personal information Manage security preferences Change language settings Access Terms and Conditions and Privacy Policy Locate nearby FirstMonie Agents and FirstBank Branches Perform self-service account management anytime Additional Features Include: Beneficiary management Recurring payments Electricity token retrieval Downloadable receipts and payment confirmations Download FirstMonie today!

About

Smart Wallet Data and Airtime

Easily manage utility payments, mobile recharges, and data top-ups from your fingertips. This finance app simplifies paying bills and staying connected.

Highlights
  • Mobile recharge
  • Data top-up
  • Utility bill payments
  • Cable bill payments
Features
Read full description

Smart Wallet: Recharge your Phone, Data, Cable and Utility at your Finger Tips.

Screenshots

FirstMonie4 screens
Smart Wallet Data and Airtime1 screens

Verdict

The call

The clearest difference is update cadence: FirstMonie at fortnightly against Smart Wallet Data and Airtime's every 25 months. FirstMonie also leads on ratings volume (65 vs 1). Smart Wallet Data and Airtime's advantage is iOS requirement (13.0 vs 15.5). On price, rating, 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

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

FirstMonie holds the better App Store score, 3.2 against 3.0. That said, the two scores are not equally well evidenced: FirstMonie has 65 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

FirstMonie ships an update fortnightly, Smart Wallet Data and Airtime every 25 months. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
FirstMonie versus Smart Wallet Data and Airtime: the parameters behind the verdict, then further details
ParameterFirstMonieSmart Wallet Data and Airtime
PriceFreeFree
Rating3.2 (65 ratings) — better3.0 (1 ratings)
Positive reviews20.7% of reviews—
Number of ratings65 — better1
Update frequencyFortnightly — betterEvery 25 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.513.0 — better
Further details — not scored
Size161 MB14 MB
Age rating4+4+
DeveloperFirst Bank of Nigeria LimitedSystems Technologies Limited

Customer experience

FirstMonie

All ratings65 ratings
Positive47.7%
Neutral9.2%
Negative43.1%
Written reviews29 reviews
Positive20.7%
Neutral0.0%
Negative79.3%

Smart Wallet Data and Airtime

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

FirstMonie

No in-app purchases

None

Smart Wallet Data and Airtime

No in-app purchases

Questions

Is FirstMonie free?
FirstMonie is free to download, with no in-app purchases.
Is Smart Wallet Data and Airtime free?
Smart Wallet Data and Airtime is free to download, with no in-app purchases.
Which has better reviews, FirstMonie or Smart Wallet Data and Airtime?
FirstMonie is rated higher. FirstMonie averages 3.2 out of 5 from 65 ratings, while Smart Wallet Data and Airtime averages 3.0 from 1 ratings.
Do FirstMonie or Smart Wallet Data and Airtime have ads?
Neither FirstMonie nor Smart Wallet Data and Airtime shows ads.
Which is updated more often, FirstMonie or Smart Wallet Data and Airtime?
FirstMonie ships an update fortnightly, and Smart Wallet Data and Airtime every 25 months. Most recently, FirstMonie was updated on November 7, 2026 and Smart Wallet Data and Airtime on November 3, 2026.

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