Comparison

HaloPesa vs PesaPlan

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

Head to head
About

HaloPesa

Easily send and receive money, pay bills, and manage your finances on the go. This app offers secure transactions, airtime purchases, and merchant payments with a user-friendly interface. Access your bank accounts and cash out from agents conveniently.

Highlights
  • Send and receive money
  • Purchase airtime and bundles
  • Pay bills and merchants
  • View transaction history
  • Check account balance
  • QR code payments
  • Transfer to bank accounts
Features
Read full description

Mobile money is the easiest, fastest and affordable way to send and receive money and also make other transactions anywhere and at anytime. HaloPesa, the best mobile money service in Tanzania that is determined to bring you the best mobile money experience at the power of your fingertips by launching the HaloPesa App. The App brings to our customers the best mobile money experience and through the HaloPesa App our customers can send and receive money to and from their loved ones, pay for commodities, access their bank accounts and be able to make other digital payments at anytime and anywhere. App Features: - Secured log in access to your HaloPesa account with you 4 digit code. Remember to keep your code secret and for your eyes only. - Send money to other HaloPesa and non HaloPesa customer with ease. - Purchase airtime and bundles with convenience. - View your transaction history with the full history feature in your HaloPesa App. - Check your account balance anytime and anywhere. - Make payments to different merchants by just selecting within the option given to you by the HaloPesa App. - Make Payments through QR code in paying the merchants. - Transfer money from your virtual wallet to your bank account. - Participate in different extra curriculum activities such as betting, and be able to place your bet through the HaloPesa App. - Be able to make government payment with just a single tap. - Manage your HaloPesa App anytime and anywhere with the condition that you have the access of data connection. - Cash out from the many agents in your surroundings. - Reverse a transaction in the spot without any loss. - Make various payments such as paying bill at the power of your fingertips. - Choose between the language Swahili and English for your comfort ability. What’s New: Promotional content - The user will be able to view promotional content in the HaloPesa App as to see what is new in the HaloPesa world. - The User will be able to catch new products and services that the HaloPesa mobile service will launch. - Such information will be displayed so that the user can be up-to-date with new products and services from HaloPesa. Security Enhancements - A user will be provided with a one time password (OTP) at every transaction whereby the OTP will be sent to the user via SMS to ensure security of the transaction. - The user’s transactions will be highly secured and situations such as theft transactions will be avoided. Contact Enhancement - A user will be able to access his/her contacts via the HaloPesa App and hence making such transactions with ease. - Users when adding contacts will be able to save their contacts and rest assured be able to use them directly from the App when making transactions. Accessibility Enhancement. - User will be able to use the HaloPesa App in any device. - User must not register first upon using a different device than the one that is normally in use for the HaloPesa App.

About

PesaPlan

Manage your finances, track spending, and build savings with this comprehensive personal finance app. It offers budgeting tools, investment tracking, debt management, and a financial health score to help you achieve your financial goals.

Highlights
  • Budget creation and tracking
  • Transaction logging and filtering
  • Multiple savings account management
  • Investment portfolio monitoring
  • Debt tracking and payoff planning
  • Net worth calculation
  • Financial health scoring
  • Gamified financial behaviors
Features
Read full description

PesaPlan - Your Personal Finance Companion Take control of your money and build the financial future you deserve. PesaPlan is the all-in-one personal finance app that makes managing money simple, rewarding, and even fun. COMPLETE BUDGET MANAGEMENT Create budgets that work. Track spending across categories like Housing, Food, and Entertainment. Visual progress bars show exactly where you stand—green for on-track, red for over-budget. Copy budgets from previous months with one tap. TRACK EVERYTHING Log all your transactions—income, expenses, savings, investments, and debt payments—in one place. Powerful search and filtering helps you find any transaction instantly. BUILD YOUR SAVINGS Create multiple savings accounts for different goals. Track contributions and watch your money grow with beautiful charts. See your savings rate and stay motivated. GROW YOUR INVESTMENTS Monitor your investment portfolio across stocks, bonds, real estate, and crypto. Get diversification analysis and rebalancing recommendations in our Investment Center. CRUSH YOUR DEBT Track all debts and payments. Visualize your progress as balances decrease. Strategic planning helps you become debt-free faster. KNOW YOUR NET WORTH See your complete financial picture—assets minus liabilities. Track accounts, property, and investments. Watch your wealth grow over time. FINANCIAL HEALTH SCORE Get a single score (0-100) measuring your overall financial wellness based on cash flow, savings, debt, investments, and budget adherence. Receive personalized recommendations to improve. COMPETE & WIN Earn Pesa Points for positive financial behaviors. Unlock achievements and badges. Join the public leaderboard or create private leagues with friends and family. COMMUNITY SUPPORT Connect with other users through forums, success stories, and challenges. Learn from others on their financial journey. DETAILED REPORTS Generate Cash Flow and Financial Health reports. Export to PDF or Excel. Visualize trends with beautiful analytics charts. YOUR LANGUAGE, YOUR CURRENCY Available in English and Swahili. Supports 12 currencies including TZS, USD, EUR, KES, and more. Download PesaPlan today and start your journey to financial freedom! Mipango Ya Leo, Mafanikio Ya Kesho

Screenshots

HaloPesa4 screens
PesaPlan4 screens

Verdict

The call

The clearest difference is rating: PesaPlan at 5.0 against HaloPesa's 2.9. PesaPlan also leads on review sentiment (100% vs 67%). HaloPesa's advantage is ratings volume (11 vs 2) and iOS requirement (15.6 vs 18.4). 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

PesaPlan holds the better App Store score, 5.0 against 2.9. That said, the two scores are not equally well evidenced: HaloPesa has 11 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 67% of HaloPesa's written reviews are positive against 100% of PesaPlan's.

UpkeepUpdate frequency

HaloPesa ships an update every 5 weeks, PesaPlan every 3 weeks. The most recent releases landed on October 3, 2026 and October 7, 2026 respectively.

Scorecard4 real differences · 6 level
HaloPesa versus PesaPlan: the parameters behind the verdict, then further details
ParameterHaloPesaPesaPlan
PriceFreeFree
Rating2.9 (11 ratings)5.0 (2 ratings) — better
Positive reviews66.7% of reviews100.0% of reviews — better
Number of ratings11 — better2
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.6 — better18.4
Further details — not scored
Size70 MB4 MB
Age rating4+4+
DeveloperHaloPesaFredrick Mbuya

Customer experience

HaloPesa

All ratings11 ratings
Positive45.5%
Neutral0.0%
Negative54.5%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

PesaPlan

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

HaloPesa

No in-app purchases

None

PesaPlan

No in-app purchases

Questions

Is HaloPesa free?
HaloPesa is free to download, with no in-app purchases.
Is PesaPlan free?
PesaPlan is free to download, with no in-app purchases.
Which has better reviews, HaloPesa or PesaPlan?
PesaPlan is rated higher. HaloPesa averages 2.9 out of 5 from 11 ratings, while PesaPlan averages 5.0 from 2 ratings.
Do HaloPesa or PesaPlan have ads?
Neither HaloPesa nor PesaPlan shows ads.
Which is updated more often, HaloPesa or PesaPlan?
HaloPesa ships an update every 5 weeks, and PesaPlan every 3 weeks. Most recently, HaloPesa was updated on October 3, 2026 and PesaPlan on October 7, 2026.

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