# Cowry vs Moniger

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.

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.

## The numbers

| Metric | Cowry | Moniger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (58 ratings)](https://appshunter.io/ios/app/cowry-payments-app/id1556632029/reviews) | **[4.8 (8 ratings)](https://appshunter.io/ios/app/moniger/id6444887586/reviews)** |
| Number of ratings | **58** | 8 |
| Positive reviews | 54.5% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | **Free** | Freemium |
| Size | 88 MB | 201 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Touch and Pay Technologies Limited](https://appshunter.io/developer/1556632031) | [Moniger](https://appshunter.io/developer/1657642628) |

## What reviewers say

### Cowry

[App page](https://appshunter.io/ios/app/cowry-payments-app/id1556632029)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Moniger

[App page](https://appshunter.io/ios/app/moniger/id6444887586)

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.

**Highlights:** Save money, Budgeting tools, Expense tracking, Smart financial management, All-in-one solution

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Moniger Black | $0.99 | per month |
| Moniger Gold | $0.99 | per month |
| Moniger Black Plan | $0.99 | one-time |
| Moniger Gold Plan | $0.99 | one-time |


## Frequently asked questions

### Is Cowry free?

Cowry is free to download, with no in-app purchases.

### Is Moniger free?

Moniger is free to download, with in-app purchases available.

### Which has better reviews, Cowry or Moniger?

Moniger is rated higher. Cowry averages 3.4 out of 5 from 58 ratings, while Moniger averages 4.8 from 8 ratings.

### Do Cowry or Moniger have ads?

Neither Cowry nor Moniger shows ads.

### Which is updated more often, Cowry or Moniger?

Cowry ships an update every 2 months, and Moniger every 3 weeks. Most recently, Cowry was updated on October 24, 2026 and Moniger on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*