Sahay vs Coop
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
Coop
Manage your bank accounts, transfer funds, and pay bills securely from your mobile device. Access your finances anytime with real-time updates and quick login.
- Account management
- Fund transfers
- Bill payments
- Quick login
- Real-time updates
- 24/7 support
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Cooperative bank of Oromia is introducing CoopApp application – designed to keep you in control of your finances at all times, right from the palm of your hand! With our app, you can manage your accounts, transfer funds, pay bills, and much more, all with just a few clicks. CoopApp application offers a range of impressive features, such as: Quick and easy login: You can access your accounts using just your fingertips. No more fumbling around for your login details – just a simple touch and you're in! Real-time updates: Stay on top of your finances with our app's real-time updates. You'll be able to check your account balance and transaction history anytime, anywhere. Safe and secure: CoopApp implemented the latest security measures to ensure your information is always safe. So, you can rest assured that your information is in good hands. Easy payments: Our app simplifies the process of paying bills. You'll be able to make payments instantly and securely, without having to log into multiple portals. 24/7 support: If you need assistance, our customer service team is available 24/7 to assist you with any queries or issues. So, don't wait any longer – download CoopApp application today and stay in control of your finances, wherever you are.
Screenshots
Verdict
The clearest difference is rating: Sahay at 3.6 against Coop's 2.8. Sahay also leads on update cadence (every 3 weeks vs every 4 months). On price, ratings volume, 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
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 2.8. Both are backed by a comparable volume of ratings — 17 and 33 respectively.
Sahay ships an update every 3 weeks, Coop every 4 months. The most recent releases landed on October 6, 2026 and October 24, 2026 respectively.
| Parameter | Sahay | Coop |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (17 ratings) — better | 2.8 (33 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 17 | 33 — better |
| Update frequency | Every 3 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 32 MB | 220 MB |
| Age rating | 4+ | 4+ |
| Developer | Rays Microfinance Institution SC | Cooperative Bank Of Oromia |
Customer experience
Sahay
Coop
In-app purchases
Sahay
No in-app purchases
Coop
No in-app purchases









