Mkobo vs Figur
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mkobo
This neo-bank offers fair, simple, and affordable financial services to underserved populations. It provides interest on balances, free transfers, and cashback rewards, aiming to help users achieve their financial goals.
- Interest on balances
- 30 free transfers monthly
- Savings growth with Mkolo
- No account maintenance fees
- Bill payments with no extra cost
- Cashback on airtime and data
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Mkobobank is a neo-bank providing financial services that is fair, simple, and affordable to the underserved demography which will ultimately help to realise your dreams your. Download the Mkobobank app today Why Mkobobank? - Fairplay - Enjoy our Fairplay promise - say goodbye to those unfair bank charges! You earned the money and you deserve to keep it! - Interest on balances - Earn daily interest on your sitting balance! - Free Transfers - Get 30 Free transfers monthly! Thats 1 per day! - Mkolo - Grow your savings with Mkolo earn great return on your savings. - 0 Charges - NO account maintenance, NO minimum balance! - Bill payments - Pay for airtime, Electricity bill, Internet Data Subscription, etc at no extra cost. - Cash backs - Enjoy cashback on airtime and data subscription How to get started - Download the Mkobobank app - Sign up and create your bank account - Update and complete your profile - Upgrade to tier 2 or 3 by providing the required KYC. Enjoy fairplay banking Mkobobank - “Every Kobo Counts” Security Mkobo takes your security very seriously. We use highly bank-grade encryption to secure your personal data Regulatory Mkobo.bank is owned and managed by Mkobo Microfinance Bank Limited which is fully licensed by the Central Bank of Nigeria (CBN). All Customer deposits are protected by the Nigeria Deposit Insurance Corporation (NDIC). Get in Touch You can always reach us via the following channels: Social media: @mkobobank on Instagram, Twitter, LinkedIn, and Facebook. Email address - help@mkobo.com.ng Website - https://mkobo.bank We’d love to hear from you!
Figur
Manage your finances with this app, offering virtual dollar cards for global online shopping, cheap data and airtime top-ups, and instant airtime to cash conversion. It also facilitates gift card trading and bill payments, with tools for personal and business accounts.
- Virtual Dollar Card for global payments
- Cheap data and airtime top-ups
- Convert airtime to cash
- Trade gift cards
- Bill payments (electricity, TV)
- Personal and business accounts
- Invoicing and revenue tracking
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Figur is your all-in-one finance app for easy payments, online shopping, airtime to cash, gift card trading, and business tools — fast, secure, and reliable. Crypto: Swap, Send, and Receive USDT, USDC, BTC & ETH in minutes. Create a Virtual Dollar Card: Pay globally on Amazon, Meta, X, AliExpress, Shein, Temu, and more. Buy Cheap Data & Airtime: Instant top-ups for MTN, Airtel, Globacom, and 9mobile. Convert Airtime to Cash Instantly Trade Gift Cards: Sell App Store & PlayStation gift cards at competitive rates. Pay Bills Easily: Pay for electricity, cable TV like DStv & GOtv, airtime, and data. Personal & Business Accounts: Send, receive, create invoices, track revenue, and access a free online store. Secure. Fast. Built for your financial growth. Download Figur today.
Screenshots
Verdict
Mkobo and Figur both sit at 3.6 stars, but that hides the real split: 100% of Mkobo's written reviews are positive against 27% of Figur's. Figur's advantage is ratings volume (27 vs 7). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 3.6 for Mkobo against 3.7 for Figur. Both are backed by a comparable volume of ratings — 7 and 27 respectively. Written reviews are what separate them: 100% of Mkobo's written reviews are positive against 27% of Figur's.
Mkobo ships an update every 9 days, Figur every 5 days. The most recent releases landed on October 3, 2026 and October 12, 2026 respectively.
| Parameter | Mkobo | Figur |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (7 ratings) | 3.7 (27 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 27.3% of reviews |
| Number of ratings | 7 | 27 — better |
| Update frequency | Every 9 days | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.4 |
| Further details — not scored | ||
| Size | 77 MB | 93 MB |
| Age rating | 17+ | 4+ |
| Developer | MKOBO Microfinance Bank | Truparse Nigeria Limited |
Customer experience
Mkobo
Figur
In-app purchases
Mkobo
No in-app purchases
Figur
No in-app purchases
