Comparison

Sahay vs Coop

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

Head to head
About

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.

Highlights
  • Peer-to-peer money transfer
  • Cash withdrawal and deposit
  • Airtime and bill payments
  • Digital micro-loans
  • Merchant payments
  • Uqub/Hagbad/Tablebanking
Features
Read full description

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

About

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.

Highlights
  • Account management
  • Fund transfers
  • Bill payments
  • Quick login
  • Real-time updates
  • 24/7 support
Features
Read full description

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

Sahay4 screens
Coop4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
Sahay versus Coop: the parameters behind the verdict, then further details
ParameterSahayCoop
PriceFreeFree
Rating3.6 (17 ratings) — better2.8 (33 ratings)
Positive reviews—0.0% of reviews
Number of ratings1733 — better
Update frequencyEvery 3 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size32 MB220 MB
Age rating4+4+
DeveloperRays Microfinance Institution SCCooperative Bank Of Oromia

Customer experience

Sahay

All ratings17 ratings
Positive58.8%
Neutral11.8%
Negative29.4%

Coop

All ratings27 ratings
Positive51.9%
Neutral0.0%
Negative48.1%
Written reviews5 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Sahay

No in-app purchases

None

Coop

No in-app purchases

Questions

Is Sahay free?
Sahay is free to download, with no in-app purchases.
Is Coop free?
Coop is free to download, with no in-app purchases.
Which has better reviews, Sahay or Coop?
Sahay is rated higher. Sahay averages 3.6 out of 5 from 17 ratings, while Coop averages 2.8 from 33 ratings.
Do Sahay or Coop have ads?
Neither Sahay nor Coop shows ads.
Which is updated more often, Sahay or Coop?
Sahay ships an update every 3 weeks, and Coop every 4 months. Most recently, Sahay was updated on October 6, 2026 and Coop on October 24, 2026.

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