My vs Appra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- View M-PESA balance
- Biometric login
- Send money via QR, contacts, or favorites
- Pay bills easily
- Buy goods and services
- Withdraw cash
- Buy airtime
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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
Appra
Manage your international finances with multi-currency accounts and seamless money transfers. This platform offers transparent fees, competitive exchange rates, and real-time transaction tracking for global citizens, freelancers, and businesses.
- Multi-currency accounts
- International money transfers
- Transparent fees
- Competitive exchange rates
- Real-time transaction tracking
- Stablecoin payments
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Appra - Global Finance, Simplified. Send money internationally, open multi-currency accounts, and manage your finances from one secure platform. Appra is built for the modern global citizen — whether you are a freelancer getting paid from abroad, an entrepreneur running a cross-border business, or someone supporting family in another country. WHAT YOU CAN DO • Open multi-currency accounts and receive international payments with ease • Send money across borders instantly with full transparency on fees and rates • Hold and convert currencies in one place at competitive exchange rates • Track every transaction in real time with a clean, intuitive dashboard • Access modern financial tools designed for a borderless world • Send and receive using stablecoins as a fast, low-cost payment rail BUILT FOR EVERYONE Appra is designed for freelancers, remote workers, entrepreneurs, travelers, students, diaspora communities, and global businesses who need a reliable way to move money internationally without the complexity of traditional banking. SECURE AND TRUSTED Every Appra account is protected by mandatory identity verification before any financial feature is accessible. Your money and data are safeguarded by bank-level encryption and a network of regulated financial partners operating across North America, Europe, and Africa. GLOBAL REACH Appra connects you to the global financial system through trusted infrastructure, bringing emerging markets and established economies closer together. Available in the United States, Canada, United Kingdom, European Union, and 30+ African countries including Kenya, Nigeria, Ghana, South Africa, Tanzania, Uganda, and more. Download Appra today and experience money without borders. LEGAL Terms of Service: https://appraglobal.com/terms Privacy Policy: https://appraglobal.com/privacy Cookie Policy: https://appraglobal.com/cookies AML Policy: https://appraglobal.com/aml Acceptable Use: https://appraglobal.com/acceptable-use SUPPORT Help Center: https://appraglobal.com/help FAQ: https://appraglobal.com/faq Contact Support: https://appraglobal.com/support Delete Account: https://appraglobal.com/delete-account
Screenshots
Verdict
The clearest difference is rating: Appra at 5.0 against My's 4.6. Appra also leads on update cadence (every 9 days vs monthly) and monetization model (ad-supported vs free with in-app purchases). My's advantage is ratings volume (1.2K vs 1) and iOS requirement (13.0 vs 18.0). On price, ads, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Appra holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: My has 1.2K ratings behind it against 1, so its average is the more settled of the two.
My ships an update monthly, Appra every 9 days. The most recent releases landed on October 21, 2026 and October 6, 2026 respectively.
| Parameter | My | Appra |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.2K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 89.6% of reviews | — |
| Number of ratings | 1.2K — better | 1 |
| Update frequency | Monthly | Every 9 days — better |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 240 MB | 103 MB |
| Age rating | 9+ | 17+ |
| Developer | Safaricom Limited | Axstron Finance Inc |
Customer experience
My
Appra
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
Appra
Not enough reviews yet to summarise bugs or requests.
In-app purchases
My
No in-app purchases
Appra
No in-app purchases









