Comparison

Hometown vs 9jaPay

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

Head to head
About

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.

Highlights
  • 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
Read full description

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.

About

9jaPay

Manage your finances with this comprehensive app. It offers budgeting, investing, banking, and bill payment features, simplifying your financial life. Secure transactions and easy money management tools are provided.

Highlights
  • Easy money management
  • Bill payments
  • Send and receive money
  • Secure transactions
  • Transfer scheduling
  • Budgeting and investing
Read full description

Introducing the ultimate solution for managing your finances - 9jaPay! Take control of your financial future and experience unparalleled convenience, all in one powerful application. We've got you covered, from budgeting and investing to banking and bill payments. Say goodbye to juggling multiple apps and hello to simplicity and efficiency. Download now and embark on a journey to financial freedom! Why 9jaPay? 9jaPay is the ultimate app for managing your finances with ease. From secure and effortless payments to value-added services, our app provides a comprehensive suite of features to simplify your life. Our app offers an incredible array of features to make your life easier, including: * Easy money management tools * Bill Payments * Send and receive money easily * An array of payment options * Secure transactions * Transfer scheduling Make the switch to convenience in 3 easy steps: Open a FREE account - Download the app and set up your account for free – it only takes a few minutes. Fund your account - You can add money to your 9jaPay account by sending money directly from any bank account or receiving a P2P credit from friends using your unique username or payment links. Start Transacting - Whether you need to send money to loved ones, schedule a transfer, or move money quickly, 9jaPay has you covered. Experience financial convenience like never before. Banking Services are provided by Amegy Microfinance Bank, licensed by the Central Bank of Nigeria. Download the app now and get started. For more information, visit www.9japay.com. Need help? Please email us at support@9japay.com

Screenshots

Hometown4 screens
9jaPay4 screens

Verdict

The call

The clearest difference is rating: Hometown at 4.3 against 9jaPay's 2.5. Hometown also leads on ratings volume (721 vs 10) and review sentiment (31% vs 20%). On price, update cadence, 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

Hometown holds the better App Store score, 4.3 against 2.5. That said, the two scores are not equally well evidenced: Hometown has 721 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 31% of Hometown's written reviews are positive against 20% of 9jaPay's.

UpkeepUpdate frequency

Hometown ships an update every 2 months, 9jaPay every 5 weeks. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Hometown versus 9jaPay: the parameters behind the verdict, then further details
ParameterHometown9jaPay
PriceFreeFree
Rating4.3 (721 ratings) — better2.5 (10 ratings)
Positive reviews30.6% of reviews — better20.0% of reviews
Number of ratings721 — better10
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.4 — better15.1
Further details — not scored
Size69 MB134 MB
Age rating4+4+
DeveloperHometown Fintech Limited9jaPay UK Limited

Customer experience

Hometown

All ratings668 ratings
Positive78.0%
Neutral6.4%
Negative15.6%
Written reviews62 reviews
Positive30.6%
Neutral4.8%
Negative64.5%

9jaPay

All ratings10 ratings
Positive40.0%
Neutral0.0%
Negative60.0%
Written reviews5 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

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

9jaPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Hometown

No in-app purchases

None

9jaPay

No in-app purchases

Questions

Is Hometown free?
Hometown is free to download, with no in-app purchases.
Is 9jaPay free?
9jaPay is free to download, with no in-app purchases.
Which has better reviews, Hometown or 9jaPay?
Hometown is rated higher. Hometown averages 4.3 out of 5 from 721 ratings, while 9jaPay averages 2.5 from 10 ratings.
Do Hometown or 9jaPay have ads?
Neither Hometown nor 9jaPay shows ads.
Which is updated more often, Hometown or 9jaPay?
Hometown ships an update every 2 months, and 9jaPay every 5 weeks. Most recently, Hometown was updated on October 24, 2026 and 9jaPay on October 24, 2026.

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