# FirstMonie vs Paymonetra

The clearest difference is rating: FirstMonie at 3.2 against Paymonetra's 2.5. FirstMonie also leads on ratings volume (65 vs 2). Paymonetra's advantage is review sentiment (50% vs 21%) and update cadence (every 4 days vs fortnightly). 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.

FirstMonie holds the better App Store score, 3.2 against 2.5. That said, the two scores are not equally well evidenced: FirstMonie has 65 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 21% of FirstMonie's written reviews are positive against 50% of Paymonetra's, so the app with the better star average is not the one people write more warmly about.

FirstMonie ships an update fortnightly, Paymonetra every 4 days. The most recent releases landed on November 7, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | FirstMonie | Paymonetra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.2 (65 ratings)](https://appshunter.io/ios/app/firstmonie/id1492034108/reviews)** | [2.5 (2 ratings)](https://appshunter.io/ios/app/paymonetra/id6799161930/reviews) |
| Number of ratings | **65** | 2 |
| Positive reviews | 20.7% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Free | Free |
| Size | 161 MB | 90 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First Bank of Nigeria Limited](https://appshunter.io/developer/969048464) | [Monetra Technologies LTD](https://appshunter.io/developer/6799161932) |

## What reviewers say

### FirstMonie

[App page](https://appshunter.io/ios/app/firstmonie/id1492034108)

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:** macOS Compatibility, Vision Pro support, iPhone Duo support

**In-app purchases:** none


### Paymonetra

[App page](https://appshunter.io/ios/app/paymonetra/id6799161930)

Manage your finances with a Nigerian app offering crypto trading, virtual dollar cards, and bill payments. Send and receive money instantly, and pay for airtime, data, and utilities.

**Highlights:** Buy and sell crypto in Naira, Virtual USD card for international payments, Send and receive money to Nigerian banks, Pay for airtime, data, TV, and power, Secure transactions with PIN and alerts, Funds held with licensed partner banks

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FirstMonie free?

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

### Is Paymonetra free?

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

### Which has better reviews, FirstMonie or Paymonetra?

FirstMonie is rated higher. FirstMonie averages 3.2 out of 5 from 65 ratings, while Paymonetra averages 2.5 from 2 ratings.

### Do FirstMonie or Paymonetra have ads?

Neither FirstMonie nor Paymonetra shows ads.

### Which is updated more often, FirstMonie or Paymonetra?

FirstMonie ships an update fortnightly, and Paymonetra every 4 days. Most recently, FirstMonie was updated on November 7, 2026 and Paymonetra on November 10, 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.*