Comparison

Kiakia P2P vs Monibac

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

Head to head
About

Kiakia P2P

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

Highlights
  • Invest in loans and businesses
  • Earn 12%-40% returns
  • Access personal and business loans
  • Automated interest and profit crediting
  • Secure online platform
  • No processing fees or hidden charges
Read full description

Earn between 12% -40% (Quarterly, Bi-annual and Per annum) by investing in loans and businesses. KiaKia is the leading and best Peer-to-Peer lending investment platform in Nigeria (Inclusive Finance Conference and Awards, 2019) KiaKia as a licensed lender originates, books, structures, facilitates and funds secured personal and business loans of between N10,000 and N100,000,000 of tenures ranging from 30 days to 24 months via its online platform. To achieve this, we essentially do what the banks do with less bureaucracy and administrative encumbrances. By lending out people’s funds. We believe that your money should work for you instead of someone else. In 2017, we launched the KiaKia P2P on this principle. We created a peer-to-peer product to aggregate funds of those who have money to invest and lent it out to those who want to borrow it. We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive and speedy loan that respects the time value of money for entrepreneurs. You fund, we lend, you earn Rather than leave funds stashed and idle, you can provide it as capital which kiakia uses to fund individuals and businesses to earn interests or share profits (if that is what suits your faith). With as little as N50,000 and as high as N2,500,000, you can earn as much as 40% interest depending the tenure election. You can also share profits from the earnings of businesses in selected industries. Simple, Secure and Better earnings With over N4,500,000,000 successfully lent out through KiaKia P2P with capital provided by individuals across the world, you can be one of those who put their money to good use in order to grow without any risk of losing it as a result of the security that backs all transactions. The App is safe and secure. Users do not need to make withdrawal of interest or profit requests as interests or profits and capital are automatically credited to accounts on file. KiaKia P2P is not a savings nor payment processing service. Capital provided are lent out for individuals and businesses carefully profiled by KiaKia for interest and profit sharing. We have implemented the best grade of internet security….so, no fears. There are no processing fees nor hidden charges. What you see is what you get with us.

About

Monibac

This app allows users to save money and earn interest by locking their funds for a specified period. It offers easy top-ups and withdrawals with no charges on deposits. Eligibility requires users to be over 18 and reside in Nigeria.

Highlights
  • Earn interest on locked savings
  • No charges on deposits
  • Easy top-up and withdrawal
  • Account registration
  • Savings lock periods
Features
Read full description

Monibac is an app where you can save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? There are no charges on deposits. You earn interest when you lock your savings. You can easily top up and withdraw to your account. How it works Install the Monibac App from the App Store Register your account Start saving Lock your savings for a specified period of time to earn interest. For example, if you save for 3 months, you get 3% of your savings; for 6 months, you get 5%. Eligibility Above 18 years Lives in Nigeria Contact Us Customer service Email: admin@monibac.com Customer service Hotline: 07060953139 Address: Block A211, Sura Shopping Complex, Lagos Island, Lagos State.

Screenshots

Kiakia P2P4 screens
Monibac4 screens

Verdict

The call

The clearest difference is update cadence: Monibac at every 3 months against Kiakia P2P's every 22 months. Monibac also leads on review sentiment (18% vs 0%) and ratings volume (87 vs 20). Kiakia P2P's advantage is rating (3.0 vs 2.8). On price, ads, in-app purchases and monetization model 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

Kiakia P2P holds the better App Store score, 3.0 against 2.8. Both are backed by a comparable volume of ratings — 20 and 87 respectively. Written reviews complicate that: 0% of Kiakia P2P's written reviews are positive against 18% of Monibac's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Kiakia P2P ships an update every 22 months, Monibac every 3 months. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
Kiakia P2P versus Monibac: the parameters behind the verdict, then further details
ParameterKiakia P2PMonibac
PriceFreeFree
Rating3.0 (20 ratings) — better2.8 (87 ratings)
Positive reviews0.0% of reviews17.9% of reviews — better
Number of ratings2087 — better
Update frequencyEvery 22 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.5 — better
Further details — not scored
Size24 MB68 MB
Age rating4+17+
DeveloperKiakia Bits LimitedPrime Zone Limited

Customer experience

Kiakia P2P

All ratings18 ratings
Positive44.4%
Neutral5.6%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Monibac

All ratings87 ratings
Positive39.1%
Neutral13.8%
Negative47.1%
Written reviews28 reviews
Positive17.9%
Neutral0.0%
Negative82.1%

In-app purchases

None

Kiakia P2P

No in-app purchases

None

Monibac

No in-app purchases

Questions

Is Kiakia P2P free?
Kiakia P2P is free to download, with no in-app purchases.
Is Monibac free?
Monibac is free to download, with no in-app purchases.
Which has better reviews, Kiakia P2P or Monibac?
Kiakia P2P is rated higher. Kiakia P2P averages 3.0 out of 5 from 20 ratings, while Monibac averages 2.8 from 87 ratings.
Do Kiakia P2P or Monibac have ads?
Neither Kiakia P2P nor Monibac shows ads.
Which is updated more often, Kiakia P2P or Monibac?
Kiakia P2P ships an update every 22 months, and Monibac every 3 months. Most recently, Kiakia P2P was updated on November 3, 2026 and Monibac on November 7, 2026.

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