Cowry vs ProvidusPlus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Cowry
Manage your micro-transaction payments easily. Top up credit via bank transfers or cash, track your payment history, and view your balance. Transfer credit to friends and family, and receive low balance notifications.
- Top up credit via bank transfers or cash
- Check payment history
- View pay as you go balance
- Transfer credit to friends and family
- Airtime recharge
- Low balance notifications
- Scan bus QR codes
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What's new about this Cowry Payments App Your phone is now your ticket. Browse bus and rail routes, buy tickets instantly, and scan your QR code to tap in and out, no card or cash needed. What’s great about The Cowry Payments app? • Top up pay as you go credit through bank transfers, or cash • Check payment history • Check all the bus routes • Check your pay as you go balance • Transfer credit among your friends and family • Airtime Recharge • Allow notifications when your pay as you go balance falls below a certain amount Keeping on top of your spend is easy; see the date, time and cost of your journeys as far back as possible. The Transport for Lagos Cowry and contactless app will request access to your camera. This is so that you can scan your bus QR code. We will never store the scanned pictures. Please provide any feedback using this link https://touchandpay.me/contact
ProvidusPlus
Manage your finances with this mobile banking application. Perform transactions, check balances, and access banking services conveniently from your smartphone.
- Seamless future forward banking
- On-the-go access
- Transaction management
- Account balance checks
- Banking services access
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Download ProvidusBank Mobile APP and enjoy seamless future forward banking on the go!
Screenshots
Verdict
The clearest difference is rating: Cowry at 3.4 against ProvidusPlus's 2.7. Cowry also leads on review sentiment (55% vs 14%) and update cadence (every 2 months vs every 6 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.
Cowry holds the better App Store score, 3.4 against 2.7. Both are backed by a comparable volume of ratings — 58 and 51 respectively. Written reviews point the same way: 55% of Cowry's written reviews are positive against 14% of ProvidusPlus's.
Cowry ships an update every 2 months, ProvidusPlus every 6 months. Both last shipped on October 24, 2026.
| Parameter | Cowry | ProvidusPlus |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (58 ratings) — better | 2.7 (51 ratings) |
| Positive reviews | 54.5% of reviews — better | 13.6% of reviews |
| Number of ratings | 58 — better | 51 |
| Update frequency | Every 2 months — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 88 MB | 68 MB |
| Age rating | 4+ | 4+ |
| Developer | Touch and Pay Technologies Limited | ProvidusBank |
Customer experience
Cowry
ProvidusPlus
In-app purchases
Cowry
No in-app purchases
ProvidusPlus
No in-app purchases
