UBA Mobile App vs Monibac
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UBA Mobile App
Manage your finances, send money, pay bills, and save for your goals with this personal financial manager. It offers features like setting spending limits, instant notifications, and card management. Users can also open new accounts and find nearby branches or ATMs.
- Manage accounts
- Send money
- Schedule and pay bills
- Set spending limits
- Save for goals
- Card management
- Open new accounts
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Manage your accounts, send money, top-up airtime, schedule your bills, save for your goals, and much more... The UBA Mobile App is your Personal Financial Manager and It's Made for you! What's great about the new UBA Mobile App? Everything! You can: Set spending limit Schedule and pay bills Make transfers Get instant notifications Save for your goals Open a new account Interact in multiple languages Sort out transaction disputes easily Find a branch or ATM near you Lock, freeze, cancel and block your card Organise your dashboard Select themes to suit your mood Wave over your phone camera to hide your balance Send money to phone numbers Confirm, request, and stop cheques To get started If you have a UBA account, select Sign-up and register as a new user by choosing from any of the options below: 1. UBA Debit/Prepaid Card 2. UBA Secure Pass 3. USSD PIN 4. Activation Code Only (limited access) 5. In-branch activation If you do not have a UBA account 1. Click the menu on the top-left corner of your app 2. Select "Open an Account" 3. Choose your preferred account type 4. Fill in your details and your account number will be sent to you via SMS 5. Conclude your signup process 6. Start Banking
Monibac
Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.
- Collateral-free loans
- Earn interest on savings
- Loans up to 150% of savings
- Transparent loan terms
- Monthly repayment reminders
- Lock savings for interest
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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
Verdict
The clearest difference is monetization model: UBA Mobile App at free against Monibac's free with in-app purchases. UBA Mobile App also leads on ratings volume (975 vs 87) and iOS requirement (13.0 vs 15.5). On price, rating, review sentiment and update cadence 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.
On the App Store both sit at effectively the same score — 2.7 for UBA Mobile App against 2.8 for Monibac. That said, the two scores are not equally well evidenced: UBA Mobile App has 975 ratings behind it against 87, so its average is the more settled of the two. Written reviews are what separate them: 13% of UBA Mobile App's written reviews are positive against 18% of Monibac's.
UBA Mobile App ships an update every 2 months, Monibac every 3 months. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.
| Parameter | UBA Mobile App | Monibac |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (975 ratings) | 2.8 (87 ratings) — better |
| Positive reviews | 12.5% of reviews | 17.9% of reviews — better |
| Number of ratings | 975 — better | 87 |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 157 MB | 68 MB |
| Age rating | 4+ | 17+ |
| Developer | United Bank For Africa Plc | Prime Zone Limited |
Customer experience
UBA Mobile App
Monibac
Bugs and requests
UBA Mobile App
Reported bugs
3 issues- Unable to log in or register account
- Disappearing accounts and lost transaction data
- Compatibility issues with newer devices
Requested features
3 requests- Option to hide account balance
- Biometric authentication for transactions
- Improved customer support and communication
Monibac
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UBA Mobile App
No in-app purchases
Monibac
No in-app purchases
