Fundall vs Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Fundall
Manage, spend, and grow your money with a unified digital financial platform. Enjoy seamless transactions, earn interest on savings, and access investment products. This app simplifies your financial life by consolidating services and offering rewards.
- Earn interest on savings
- Budgeting and spending tracker
- Referral rewards
- Zero-cost Fundaller to Fundaller transfers
- Virtual dollar card for online payments
- Save on spending
- Accumulate reward points
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Fundall is a personalised digital financial platform that makes spending, managing and growing your money simple, safe, and secure. We allow individuals and businesses to handle all things money in one place and access investment products and services. Our seamless and easy-to-use platform allows customers to enjoy wholesome financial services without having to sign up on multiple platforms, risk their security, or bother about transaction charges when moving funds from one platform to another. Fundall is duly registered with the Corporate Affairs Commission, Nigeria, with a physical office at The Abebi, 23B Tinubu Close, Off Coker Road, Ilupeju, Lagos. Its savings and loans scheme is duly registered under the Co-operative Societies Laws of Lagos State Here’s all you can achieve on the Fundall app: Earn amazing interest on your savings. Take full control of your spending habit with our budget tool and spending tracker. Make money every time you refer your friends to the Fundall app. Transfer from Fundaller to Fundaller at zero cost. Shop online and across the world and pay for subscriptions using our virtual dollar card. Save up to 20% every time you spend on the Fundall app. Accumulate reward points when you make a transaction on Fundall. We are on a mission to provide Africans and the world's unbanked with a single platform to access all financial services.
Pay
This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.
- Pay-per-minute insurance
- Comprehensive motor coverage
- Affordable insurance options
- Flexible payment plans
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Pay-U allows you to pay for comprehensive motor insurance on a per minute basis.
Screenshots
Verdict
Fundall and Pay both sit at 4.4 stars, but that hides the real split: 100% of Pay's written reviews are positive against 38% of Fundall's. Fundall's advantage is ratings volume (87 vs 2). 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 — 4.4 for Fundall against 4.5 for Pay. That said, the two scores are not equally well evidenced: Fundall has 87 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 38% of Fundall's written reviews are positive against 100% of Pay's.
Fundall ships an update monthly, Pay every 2 weeks. The most recent releases landed on October 18, 2026 and October 4, 2026 respectively.
| Parameter | Fundall | Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (87 ratings) | 4.5 (2 ratings) — better |
| Positive reviews | 37.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 87 — better | 2 |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 145 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Fundall Company Limited | Pay-U Technologies LLC |
Customer experience
Fundall
Pay
In-app purchases
Fundall
No in-app purchases
Pay
No in-app purchases









