# Kiakia P2P vs Monibac

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | Kiakia P2P | Monibac |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (20 ratings)](https://appshunter.io/ios/app/kiakia-p2p/id1526010726/reviews)** | [2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews) |
| Number of ratings | 20 | **87** |
| Positive reviews | 0.0% of reviews | **17.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 22 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 24 MB | 68 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Kiakia Bits Limited](https://appshunter.io/developer/1526010728) | [Prime Zone Limited](https://appshunter.io/developer/1670621263) |

## What reviewers say

### Kiakia P2P

[App page](https://appshunter.io/ios/app/kiakia-p2p/id1526010726)

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

**In-app purchases:** none


### Monibac

[App page](https://appshunter.io/ios/app/monibac/id1670621261)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*