# UBA Mobile App vs Monibac

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 (977 vs 87) and iOS requirement (13.0 vs 15.5). On price, rating, review sentiment and update cadence there is nothing between them.

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 977 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 27, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | UBA Mobile App | Monibac |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (977 ratings)](https://appshunter.io/ios/app/uba-mobile-app/id1529761664/reviews) | **[2.8 (87 ratings)](https://appshunter.io/ios/app/monibac/id1670621261/reviews)** |
| Number of ratings | **977** | 87 |
| Positive reviews | 12.5% of reviews | **17.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 157 MB | 68 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [United Bank For Africa Plc](https://appshunter.io/developer/1125912796) | [Prime Zone Limited](https://appshunter.io/developer/1670621263) |

## What reviewers say

### UBA Mobile App

[App page](https://appshunter.io/ios/app/uba-mobile-app/id1529761664)

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.

**Highlights:** Manage accounts, Send money, Schedule and pay bills, Set spending limits, Save for goals, Card management, Open new accounts

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 👍 Simple and intuitive interface
- 🔒 Secure login options
- 💡 Useful features like PDF transaction history

**What reviewers complain about**

- 🐛 Frequent crashes and freezes
- ⚠️ Unreliable connectivity and loading issues
- 🔍 Lack of detailed transaction history
- 🤔 Confusing account management

**Reported bugs**

- Unable to log in or register account
- Disappearing accounts and lost transaction data
- Compatibility issues with newer devices

**Requested features**

- Option to hide account balance
- Biometric authentication for transactions
- Improved customer support and communication


### Monibac

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

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.

**Highlights:** Collateral-free loans, Earn interest on savings, Loans up to 150% of savings, Transparent loan terms, Monthly repayment reminders, Lock savings for interest

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is UBA Mobile App free?

UBA Mobile App 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, UBA Mobile App or Monibac?

Monibac is rated higher. UBA Mobile App averages 2.7 out of 5 from 977 ratings, while Monibac averages 2.8 from 87 ratings.

### Do UBA Mobile App or Monibac have ads?

Neither UBA Mobile App nor Monibac shows ads.

### Which is updated more often, UBA Mobile App or Monibac?

UBA Mobile App ships an update every 2 months, and Monibac every 3 months. Most recently, UBA Mobile App was updated on October 27, 2026 and Monibac on October 22, 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.*