Hometown vs Folio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Hometown
Manage your finances with an all-in-one banking solution. Easily send and receive money, pay bills, grow savings with high interest, and access instant loans. Book flights, recharge airtime, and invest for the future, all from your mobile device.
- Send and receive money
- Pay bills for services
- Grow savings with interest
- Access instant loans
- Book flights
- Invest in flexible options
- Top-up airtime and data
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Welcome to a world of financial freedom and convenience, where your dreams become reality and banking becomes effortless. Experience Hometown - the online banking solution that empowers you, 24/7, no matter where you are. ◇ The Ultimate Banking Experience: Hometown is not just an app; it's your passport to financial bliss. Say hello to seamless online banking with just a few taps. We embody freedom, hope, and renewal - the pillars of your financial success. ◇ Transactions Made Simple: Sending and receiving money has never been easier. With Hometown, transfer funds to any Nigerian account effortlessly, and witness the magic of swift transactions. ◇ Pay with Ease: Why wait another minute? Settle essential services like DSTV, GoTV, Startimes, Showmax, PHCN subscriptions, and more in seconds, right from the Hometown app. ◇ Grow Your Savings: Unlock the power of the Akawo feature and watch your savings thrive with up to 12% interest. You can sleep soundly knowing your money is working tirelessly to secure your future. ◇ Get Instant Loans: You are not alone. Let’s help you ease the financial burdens. Get asses to the lowest-interest loans at the click of a button. ◇ Book Your Next Flight Flying to any destination now begins from home. Book your next local or international flight easily and at the best price with the Hometown. Hometown Advantage: ◯ Skip the Queues: No more wasting time in bank lines - transact from the Hometown app and access your account statement anytime, free of charge. ◯ Peace of Mind: Trust that your funds are in safe hands. Our automatic reversal system ensures your money always finds its way back without hassles. ◯ Bank Anywhere, Anytime: Embrace banking freedom. Manage your finances from the comfort of your home, office, or while you're on the move - 24/7 accessibility guaranteed. ◯ Customer Delight: Experience unparalleled customer service from a team that cares. Your satisfaction is our mission. ◇ Join the Revolution: With an ever-growing customer base, Hometown is revolutionizing online banking. Embrace a brighter financial future today. Your Financial Toolbox: * Invest in Tomorrow: Grow your wealth and withdraw anytime with our flexible investment options - "Open Akawo" or "Lock-up Akawo". * WAEC results: Pay for WAEC e-vouchers and access your results effortlessly through Hometown. * Recharge & Data: Stay connected. Top-up airtime and data for yourself, family, and friends - even Smile data subscriptions are covered. * Bet with Confidence: Never miss a bet. Fund betting accounts seamlessly through Hometown. * User-Friendly Design: Effortless navigation - bank smart without assistance. ONE APP FOR ALL TRANSACTIONS Experience the future of banking. Download Hometown now and take control of your financial destiny. Embrace hassle-free banking at your fingertips. GET IN TOUCH! The Hometown App is owned by Hometown Fintech Limited, a registered financial services company with the CAC. Our payment processing companies are CBN regulated and PCI DSS compliant. We can be reached via the following medium; * Email us at connect@gethometown.app * Like our Facebook page www.facebook.com/gethometown * Follow us on Twitter: www.twitter.com/apphometown * Follow us on Instagram: www.instagram.com/gethometown * Call us on +234 8031230668, +234 8138686589 * Visit our website: www.gethometown.app PS: Hometown loans are extremely useful in emergency situations. Customers are advised to apply for the Hometown Loan only when it is extremely necessary to do so. Please visit www.gethometown.app to learn more.
Folio
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Kia Ora Welcome to Folio, insurance that doesn't suck! We want Kiwis to have the most convenient and affordable insurance in the world. We created a mobile app to handle all your insurance for you while providing great insurance prices. WHO CAN USE THE APP - Anyone who wants to buy insurance or let Folio manage it for them. FEATURES FOR CLIENTS - One place to go for all your insurance needs - Have access to all your benefits at your fingertips - Instant help through our live chat with our expert advisers - View all of your insurance in one place
Screenshots
Verdict
The clearest difference is update cadence: Folio at every 2 weeks against Hometown's every 2 months. Hometown's advantage is iOS requirement (12.4 vs 15.2). 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.
Hometown ships an update every 2 months, Folio every 2 weeks. The most recent releases landed on October 15, 2026 and October 4, 2026 respectively.
| Parameter | Hometown | Folio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (667 ratings) — better | — |
| Positive reviews | 30.6% of reviews | — |
| Number of ratings | 667 — better | — |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.4 — better | 15.2 |
| Further details — not scored | ||
| Size | 69 MB | 85 MB |
| Age rating | 4+ | 4+ |
| Developer | Hometown Fintech Limited | Cognitiv Limited |
Bugs and requests
Hometown
Reported bugs
3 issues- Login and verification issues
- Inconsistent app functionality
- Delayed or failed transactions
Requested features
3 requests- Improve loan application process
- Enhance user-friendliness of the app
- Provide better communication and transparency
Folio
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Hometown
No in-app purchases
Folio
No in-app purchases
