Sahay vs DubeAle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sahay
A mobile wallet designed for making payments, transferring funds, purchasing airtime, and paying bills. It offers features for customers, agents, and merchants, including digital micro-loans and table banking.
- Peer-to-peer money transfer
- Cash withdrawal and deposit
- Airtime and bill payments
- Digital micro-loans
- Merchant payments
- Uqub/Hagbad/Tablebanking
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Rays Micro Finance Institution provides Mobile Wallet platform for its customers known as Sahay Pay. This wallet contains Customer, Agent and Merchant feature in a single app. The wallet is well designed to accommodate necessary requirements for making payments, funds transfer, airtime purchase as much more. The wallet boasts of the following features; 1. Customer a) Transfer Money to registered and unregistered user (peer to peer) b) Cash Withdrawal at Sahay Agent, Rays MFI branch (cash out) c) Airtime Purchase - Ethiotelecom d) Merchant Payments (Pay with Sahay) e) Bill Payments - (Ethiotelecom Postpaid, Ethiopian Airlines) f) Digital Micro Loan g) Uqub/Hagbad/Tablebanking 2. Agent a) Cash Deposit b) Cash Withdrawal c) Airtime Purchase d) Customer Registration e) Customer PIN Reset f) Bill Payment 3. Merchant a) Receive Cash b) Funds Transfer c) Airtime Purchase d) Bill Payment This wallet is convenient, fast and secure. Download the app to start enjoying transacting with Sahay Pay - The fastest growing Mobile Wallet in Ethiopia
DubeAle
Access your Dube customer account to view credit balance, payment due dates, and payment summaries. Request credit increments and explore payment options. Seamlessly link with Dube Pay merchants for convenient transactions.
- Account access
- Credit balance review
- Payment due date tracking
- Credit increment requests
- Dube Pay merchant linking
- Payment options
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The DubeAle mobile application is designed for Dube customers allowing access to their account with the credentials provided from the bank upon account creation. The platform allows users to review their accounts through simple login to DubeAle app. Users can access their credit balance, minimum monthly payment, payment due date, payment summary, credit increment request, payment options along with other functionalities once logged in. Further It enables users to link with Dube Pay merchants which makes it easier and reliable for both parties, since payments can be operated through the app .
Screenshots
Verdict
The clearest difference is iOS requirement: DubeAle at 11.0 against Sahay's 13.0. On price, rating, ratings volume 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.
Sahay holds the better App Store score, 3.6 against 3.4. Both are backed by a comparable volume of ratings — 17 and 18 respectively.
Sahay ships an update every 3 weeks, DubeAle monthly. Both last shipped on November 3, 2026.
| Parameter | Sahay | DubeAle |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (17 ratings) — better | 3.4 (18 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 17 | 18 — better |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 32 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | Rays Microfinance Institution SC | EAGLELION SYSTEM TECHNOLOGY PLC |
Customer experience
Sahay
DubeAle
In-app purchases
Sahay
No in-app purchases
DubeAle
No in-app purchases









