Comparison

Fundall vs Pay

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Pay-per-minute insurance
  • Comprehensive motor coverage
  • Affordable insurance options
  • Flexible payment plans
Features
Read full description

Pay-U allows you to pay for comprehensive motor insurance on a per minute basis.

Screenshots

Fundall4 screens
Pay4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Fundall ships an update monthly, Pay every 2 weeks. The most recent releases landed on October 18, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 8 level
Fundall versus Pay: the parameters behind the verdict, then further details
ParameterFundallPay
PriceFreeFree
Rating4.4 (87 ratings)4.5 (2 ratings) — better
Positive reviews37.5% of reviews100.0% of reviews — better
Number of ratings87 — better2
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size145 MB53 MB
Age rating4+4+
DeveloperFundall Company LimitedPay-U Technologies LLC

Customer experience

Fundall

All ratings87 ratings
Positive81.6%
Neutral9.2%
Negative9.2%
Written reviews8 reviews
Positive37.5%
Neutral0.0%
Negative62.5%

Pay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Fundall

No in-app purchases

None

Pay

No in-app purchases

Questions

Is Fundall free?
Fundall is free to download, with no in-app purchases.
Is Pay free?
Pay is free to download, with no in-app purchases.
Which has better reviews, Fundall or Pay?
Pay is rated higher. Fundall averages 4.4 out of 5 from 87 ratings, while Pay averages 4.5 from 2 ratings.
Do Fundall or Pay have ads?
Neither Fundall nor Pay shows ads.
Which is updated more often, Fundall or Pay?
Fundall ships an update monthly, and Pay every 2 weeks. Most recently, Fundall was updated on October 18, 2026 and Pay on October 4, 2026.

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