Cowry vs Moniger
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
Moniger
This app helps you manage your money by saving, budgeting, and tracking expenses. It offers a smart, all-in-one solution for seamless financial management.
- Save money
- Budgeting tools
- Expense tracking
- Smart financial management
- All-in-one solution
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The All-In-One Smart Way To Manage Your Money. Save, Budget, and Track expenses seamlessly. Manage your finances smartly with our powerful all-in-one solution. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is review sentiment: Moniger at 100% against Cowry's 55%. Moniger also leads on rating (4.8 vs 3.4) and update cadence (every 3 weeks vs every 2 months). Cowry's advantage is in-app purchases (none vs 4) and ratings volume (58 vs 8). On price, ads, device support and iOS requirement 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. Moniger sells 4 in-app purchases, starting at $0.99 per month. Cowry asks for nothing beyond the download.
Moniger holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: Cowry has 58 ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 55% of Cowry's written reviews are positive against 100% of Moniger's.
Cowry ships an update every 2 months, Moniger every 3 weeks. Both last shipped on October 24, 2026.
| Parameter | Cowry | Moniger |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (58 ratings) | 4.8 (8 ratings) — better |
| Positive reviews | 54.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 58 — better | 8 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.5 — better |
| Further details — not scored | ||
| Size | 88 MB | 201 MB |
| Age rating | 4+ | 4+ |
| Developer | Touch and Pay Technologies Limited | Moniger |
Customer experience
Cowry
Moniger
In-app purchases
Cowry
No in-app purchases
Moniger
- Moniger Black$0.991 Month
- Moniger Gold$0.991 Month
- Moniger Black Plan$0.99
- Moniger Gold Plan$0.99
