Comparison

My vs HaloPesa

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

Head to head
About

My

Manage your mobile money transactions with ease. View your balance, send money, pay bills, and buy goods and services quickly. Secure login with biometrics and convenient access to frequent contacts and payment options.

Highlights
  • View M-PESA balance
  • Biometric login
  • Send money via QR, contacts, or favorites
  • Pay bills easily
  • Buy goods and services
  • Withdraw cash
  • Buy airtime
Read full description

Your Entire Digital Life in One Place My OneApp brings together everything you need—your M‑PESA balance, airtime, data, SMS, Bonga points, and essential services—right on your home screen. No switching between apps. No hassle. A Fresh New Experience Get instant visibility of what matters most from your M-PESA, bundle and even bonga balance Simpler Navigation Access your quick actions and frequent transactions faster Do More With Your Money Unlock more possibilities with M‑PESA – Invest, Borrow, Insure Connectivity Made Easy Buy airtime, data bundles, and home fibre quickly and conveniently Make Payments Faster Pay quickly and securely with Scan to Pay QR, AI Pay and NFC payments Care, Right at Your Fingertips Handle essential support requests directly from your phone

About

HaloPesa

Easily send and receive money, pay bills, and manage your finances on the go. This app offers secure transactions, airtime purchases, and merchant payments with a user-friendly interface. Access your bank accounts and cash out from agents conveniently.

Highlights
  • Send and receive money
  • Purchase airtime and bundles
  • Pay bills and merchants
  • View transaction history
  • Check account balance
  • QR code payments
  • Transfer to bank accounts
Features
Read full description

Mobile money is the easiest, fastest and affordable way to send and receive money and also make other transactions anywhere and at anytime. HaloPesa, the best mobile money service in Tanzania that is determined to bring you the best mobile money experience at the power of your fingertips by launching the HaloPesa App. The App brings to our customers the best mobile money experience and through the HaloPesa App our customers can send and receive money to and from their loved ones, pay for commodities, access their bank accounts and be able to make other digital payments at anytime and anywhere. App Features: - Secured log in access to your HaloPesa account with you 4 digit code. Remember to keep your code secret and for your eyes only. - Send money to other HaloPesa and non HaloPesa customer with ease. - Purchase airtime and bundles with convenience. - View your transaction history with the full history feature in your HaloPesa App. - Check your account balance anytime and anywhere. - Make payments to different merchants by just selecting within the option given to you by the HaloPesa App. - Make Payments through QR code in paying the merchants. - Transfer money from your virtual wallet to your bank account. - Participate in different extra curriculum activities such as betting, and be able to place your bet through the HaloPesa App. - Be able to make government payment with just a single tap. - Manage your HaloPesa App anytime and anywhere with the condition that you have the access of data connection. - Cash out from the many agents in your surroundings. - Reverse a transaction in the spot without any loss. - Make various payments such as paying bill at the power of your fingertips. - Choose between the language Swahili and English for your comfort ability. What’s New: Promotional content - The user will be able to view promotional content in the HaloPesa App as to see what is new in the HaloPesa world. - The User will be able to catch new products and services that the HaloPesa mobile service will launch. - Such information will be displayed so that the user can be up-to-date with new products and services from HaloPesa. Security Enhancements - A user will be provided with a one time password (OTP) at every transaction whereby the OTP will be sent to the user via SMS to ensure security of the transaction. - The user’s transactions will be highly secured and situations such as theft transactions will be avoided. Contact Enhancement - A user will be able to access his/her contacts via the HaloPesa App and hence making such transactions with ease. - Users when adding contacts will be able to save their contacts and rest assured be able to use them directly from the App when making transactions. Accessibility Enhancement. - User will be able to use the HaloPesa App in any device. - User must not register first upon using a different device than the one that is normally in use for the HaloPesa App.

Screenshots

My4 screens
HaloPesa4 screens

Verdict

The call

The clearest difference is rating: My at 3.8 against HaloPesa's 3.1. My also leads on ratings volume (187 vs 10) and iOS requirement (13.0 vs 15.6). HaloPesa's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, 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

My holds the better App Store score, 3.8 against 3.1. That said, the two scores are not equally well evidenced: My has 187 ratings behind it against 10, so its average is the more settled of the two. Written reviews complicate that: 90% of My's written reviews are positive against 100% of HaloPesa's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

My ships an update monthly, HaloPesa every 5 weeks. The most recent releases landed on September 23, 2026 and July 30, 2026 respectively.

Scorecard6 real differences · 4 level
My versus HaloPesa: the parameters behind the verdict, then further details
ParameterMyHaloPesa
PriceFreeFree
Rating3.8 (187 ratings) — better3.1 (10 ratings)
Positive reviews89.6% of reviews100.0% of reviews — better
Number of ratings187 — better10
Update frequencyMonthly — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size248 MB61 MB
Age rating9+4+
DeveloperSafaricom LimitedHaloPesa

Customer experience

My

All ratings187 ratings
Positive69.0%
Neutral4.8%
Negative26.2%
Written reviews1,099 reviews
Positive89.6%
Neutral3.5%
Negative6.9%

HaloPesa

All ratings10 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

My

Reported bugs

3 issues
  • Incomplete or missing transaction details
  • Issues with reversing or recovering sent payments
  • Compatibility problems on certain devices or OS versions

Requested features

4 requests
  • Allow customization of transaction categories
  • Improve transaction history and statement viewing
  • Provide offline access or data-free usage
  • Integrate with other financial apps and services

HaloPesa

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

My

No in-app purchases

None

HaloPesa

No in-app purchases

Questions

Is My free?
My is free to download, with no in-app purchases.
Is HaloPesa free?
HaloPesa is free to download, with no in-app purchases.
Which has better reviews, My or HaloPesa?
My is rated higher. My averages 3.8 out of 5 from 187 ratings, while HaloPesa averages 3.1 from 10 ratings.
Do My or HaloPesa have ads?
My shows ads; HaloPesa does not.
Which is updated more often, My or HaloPesa?
My ships an update monthly, and HaloPesa every 5 weeks. Most recently, My was updated on September 23, 2026 and HaloPesa on July 30, 2026.

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